OppFi (NYSE:OPFI) Downgraded to "Hold" Rating by Wall Street Zen

Key Points

• Wall Street Zen downgraded OppFi to “Hold” from “Buy,” while the broader analyst consensus is also “Hold,” with two Buy ratings, three Hold ratings and a $10.25 average price target.
• OppFi’s latest quarterly results missed expectations: EPS was $0.33 versus the $0.44 consensus, and revenue came in at $86.17 million versus estimates of $155.89 million. Analysts have also reduced price targets and earnings forecasts.
• Despite the cautious outlook, CEO Todd Schwartz purchased 20,000 shares at $7.20 each, and insiders collectively own 70.2% of the company; the stock recently opened at $7.16, near its 12-month low of $6.50.

OppFi (NYSE:OPFI - Get Free Report) was downgraded by analysts at Wall Street Zen from a "buy" rating to a "hold" rating in a note issued to investors on Sunday.

OPFI has been the subject of a number of other research reports. Zacks Research downgraded shares of OppFi from a "strong-buy" rating to a "hold" rating in a research note on Tuesday, July 28th. Citigroup reissued a "market outperform" rating on shares of OppFi in a research report on Tuesday. Citizens Jmp cut their price objective on OppFi from $15.00 to $11.00 and set a "market outperform" rating on the stock in a report on Tuesday, August 11th. Stephens reduced their target price on shares of OppFi from $11.00 to $9.50 and set an "equal weight" rating for the company in a report on Tuesday. Finally, Weiss Ratings reiterated a "hold (c)" rating on shares of OppFi in a research report on Friday, August 7th. Two analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the stock. According to MarketBeat, the stock has an average rating of "Hold" and a consensus price target of $10.25.

OppFi Stock Up 0.4%

OPFI stock opened at $7.16 on Friday. OppFi has a twelve month low of $6.50 and a twelve month high of $12.45. The stock has a 50-day simple moving average of $8.99 and a two-hundred day simple moving average of $8.81. The firm has a market capitalization of $610.02 million, a PE ratio of 3.79 and a beta of 1.77.

OppFi (NYSE:OPFI - Get Free Report) last issued its quarterly earnings data on Monday, August 10th. The company reported $0.33 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.44 by ($0.11). The company had revenue of $86.17 million for the quarter, compared to analysts' expectations of $155.89 million. OppFi had a net margin of 16.64% and a return on equity of 30.89%. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS. On average, equities research analysts anticipate that OppFi will post 1.4 EPS for the current fiscal year.

Insider Buying and Selling

In other news, Director Christina M. Favilla sold 30,000 shares of the business's stock in a transaction that occurred on Monday, June 8th. The shares were sold at an average price of $8.14, for a total transaction of $244,200.00. Following the completion of the sale, the director owned 156,737 shares in the company, valued at approximately $1,275,839.18. The trade was a 16.07% decrease in their position. The sale was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link. Also, CEO Todd G. Schwartz bought 20,000 shares of the stock in a transaction dated Friday, August 14th. The stock was bought at an average price of $7.20 per share, with a total value of $144,000.00. Following the acquisition, the chief executive officer owned 573,733 shares in the company, valued at approximately $4,130,877.60. This represents a 3.61% increase in their position. The disclosure for this purchase is available in the SEC filing. 70.20% of the stock is currently owned by company insiders.

Institutional Trading of OppFi

A number of large investors have recently bought and sold shares of the business. Quarry LP boosted its holdings in shares of OppFi by 669.2% in the third quarter. Quarry LP now owns 3,492 shares of the company's stock valued at $40,000 after acquiring an additional 3,038 shares in the last quarter. Russell Investments Group Ltd. raised its holdings in shares of OppFi by 217.6% in the second quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company's stock worth $65,000 after acquiring an additional 3,207 shares during the last quarter. Moran Wealth Management LLC purchased a new stake in shares of OppFi in the first quarter valued at $84,000. Lazard Asset Management LLC acquired a new stake in OppFi in the 1st quarter worth about $91,000. Finally, Kemnay Advisory Services Inc. acquired a new stake in OppFi in the 4th quarter worth about $95,000. Institutional investors and hedge funds own 7.10% of the company's stock.

Key Stories Impacting OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: CEO Todd G. Schwartz bought another 20,000 shares for approximately $144,000 at an average price of $7.20. Combined with his 60,000-share purchase earlier in the week, the CEO has acquired 80,000 shares recently—an indication of management confidence following the stock’s decline. SEC insider transaction filing
• Positive Sentiment: OppFi was reported to be trading higher after an analyst upgrade, providing a near-term catalyst and helping offset concerns about the company’s recent earnings performance. OppFi analyst upgrade article
• Positive Sentiment: A bullish investment view argues that OppFi trades at a steep discount to peers despite resilient revenue and free-cash-flow growth. The company’s tighter underwriting, improved recoveries and expense discipline could support portfolio quality and margins. The planned BNC National Bank acquisition is viewed as potentially transformative, with expected adjusted EPS growth and longer-term return targets. OppFi investment outlook
• Neutral Sentiment: Stephens reduced its price target to $9.50 from $11.00 and maintained an “equal weight” rating. The revised target remains above recent trading levels, but the cut reflects a more cautious earnings outlook. Stephens price target article
• Negative Sentiment: Northland Securities lowered its FY2026 EPS forecast to $1.38 from $1.80 and cut its Q4 estimate to $0.38 from $0.54, signaling weaker expected profitability.
• Negative Sentiment: OppFi’s latest quarterly results missed expectations: EPS was $0.33 versus the $0.44 consensus, while revenue was $86.17 million versus estimates of $155.89 million. Reduced loan originations and underwhelming 2026 guidance remain key risks.

OppFi Company Profile

OppFi NYSE: OPFI is a financial technology company that provides digital lending and credit solutions designed to meet the needs of near-prime consumers in the United States. Through its technology-driven platform, OppFi offers unsecured installment loans under the OppLoans brand, allowing borrowers to access credit online or via mobile devices. The company leverages proprietary data analytics and machine learning models to assess credit risk, streamline underwriting processes and deliver personalized loan products with transparent terms.

Headquartered in Chicago, Illinois, OppFi was founded in 2013 with a mission to increase financial inclusion for underserved and underbanked populations.

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