OppFi (NYSE:OPFI) Issues FY 2026 Earnings Guidance

Key Points

• OppFi issued FY 2026 guidance below analyst expectations, projecting EPS of $1.34–$1.51 versus the $1.79 consensus estimate and revenue of $600–$625 million versus the $658.3 million consensus.
• Analyst sentiment is mixed but leans neutral: OppFi has a consensus “Hold” rating from five analysts, with an average price target of $13.00.
• Shares fell $0.63 to $8.77 in Monday trading. Insiders own 70.2% of the company, while institutional investors and hedge funds hold 7.1%.

OppFi (NYSE:OPFI - Get Free Report) issued an update on its FY 2026 earnings guidance on Monday. The company provided earnings per share guidance of 1.340-1.510 for the period, compared to the consensus estimate of 1.790. The company issued revenue guidance of $600.0 million-$625.0 million, compared to the consensus revenue estimate of $658.3 million.

Analysts Set New Price Targets

Several analysts have commented on the stock. Zacks Research downgraded shares of OppFi from a "strong-buy" rating to a "hold" rating in a report on Tuesday, July 28th. Weiss Ratings raised shares of OppFi from a "sell (d+)" rating to a "hold (c)" rating in a research report on Tuesday, May 12th. Stephens raised their price objective on shares of OppFi from $9.00 to $11.00 and gave the stock an "equal weight" rating in a report on Friday, May 8th. Wall Street Zen cut shares of OppFi from a "strong-buy" rating to a "buy" rating in a research report on Saturday. Finally, Citigroup reaffirmed a "market outperform" rating on shares of OppFi in a research note on Friday, June 26th. Two analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the company's stock. According to data from MarketBeat.com, OppFi presently has a consensus rating of "Hold" and an average price target of $13.00.

OppFi Price Performance

NYSE:OPFI traded down $0.63 during trading hours on Monday, reaching $8.77. 766,230 shares of the stock were exchanged, compared to its average volume of 582,119. The stock has a market cap of $748.87 million, a PE ratio of 9.43 and a beta of 1.77. OppFi has a twelve month low of $7.36 and a twelve month high of $12.45. The firm has a 50 day moving average of $9.09 and a 200 day moving average of $8.89.

OppFi (NYSE:OPFI - Get Free Report) last posted its quarterly earnings data on Thursday, May 7th. The company reported $0.35 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.33 by $0.02. The company had revenue of $87.30 million for the quarter, compared to the consensus estimate of $151.14 million. OppFi had a net margin of 10.86% and a return on equity of 39.90%. Equities research analysts anticipate that OppFi will post 1.8 earnings per share for the current year.

Insider Activity at OppFi

In other news, Director Christina M. Favilla sold 30,000 shares of the stock in a transaction dated 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 transaction, the director directly owned 156,737 shares in the company, valued at $1,275,839.18. This represents a 16.07% decrease in their position. The transaction was disclosed in a filing with the SEC, which is available at the SEC website. 70.20% of the stock is currently owned by corporate insiders.

Institutional Inflows and Outflows

Several large investors have recently bought and sold shares of OPFI. Quarry LP increased its position in shares of OppFi by 669.2% during the 3rd quarter. Quarry LP now owns 3,492 shares of the company's stock worth $40,000 after purchasing an additional 3,038 shares during the last quarter. Russell Investments Group Ltd. increased its holdings in OppFi by 217.6% during the second quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company's stock worth $65,000 after buying an additional 3,207 shares during the last quarter. Quantbot Technologies LP raised its position in OppFi by 20.8% during the second quarter. Quantbot Technologies LP now owns 8,663 shares of the company's stock worth $121,000 after acquiring an additional 1,494 shares in the last quarter. Kemnay Advisory Services Inc. bought a new stake in OppFi during the fourth quarter worth $95,000. Finally, Jain Global LLC acquired a new stake in OppFi in the fourth quarter valued at $112,000. 7.10% of the stock is owned by institutional investors and hedge funds.

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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