OppFi (NYSE:OPFI) Shares Gap Up After Insider Buying Activity

Key Points

• OppFi shares opened higher at $7.30 after CEO Todd G. Schwartz bought 60,000 shares for approximately $423,000, increasing his direct ownership by 13.83%.
• Analyst sentiment remains cautious: OppFi has an average “Hold” rating, while Stephens and Citizens JMP lowered their price targets to $9.50 and $11, respectively. The consensus target remains $10.25.
• The company’s second-quarter results missed expectations, with EPS of $0.33 versus $0.44 expected and revenue of $86.17 million versus $155.89 million. FY2026 EPS guidance of $1.34–$1.51 also points to a weaker near-term outlook.

OppFi Inc. (NYSE:OPFI - Get Free Report) shares gapped up prior to trading on Thursday after an insider bought additional shares in the company. The stock had previously closed at $6.86, but opened at $7.30. OppFi shares last traded at $7.2520, with a volume of 227,589 shares changing hands.

Specifically, CEO Todd G. Schwartz purchased 60,000 shares of OppFi stock in a transaction that occurred on Wednesday, August 12th. The stock was purchased at an average price of $7.05 per share, for a total transaction of $423,000.00. Following the transaction, the chief executive officer directly owned 493,733 shares in the company, valued at approximately $3,480,817.65. This trade represents a 13.83% increase in their ownership of the stock. The acquisition was disclosed in a filing with the SEC, which is available through the SEC website.

Analyst Upgrades and Downgrades

OPFI has been the topic of several research analyst reports. Stephens lowered their price objective on OppFi from $11.00 to $9.50 and set an "equal weight" rating on the stock in a report on Tuesday. Wall Street Zen cut OppFi from a "strong-buy" rating to a "buy" rating in a report on Saturday, August 8th. Citizens Jmp decreased their target price on OppFi from $15.00 to $11.00 and set a "market outperform" rating on the stock in a research report on Tuesday. Weiss Ratings reiterated a "hold (c)" rating on shares of OppFi in a research report on Friday, August 7th. Finally, Zacks Research cut OppFi from a "strong-buy" rating to a "hold" rating in a research report on Tuesday, July 28th. Two investment analysts have rated the stock with a Buy rating and three have given a Hold rating to the stock. According to data from MarketBeat, the stock has an average rating of "Hold" and a consensus price target of $10.25.

Trending Headlines about OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: CEO Todd Schwartz bought 60,000 shares at an average price of $7.05, investing approximately $423,000 and increasing his direct ownership by 13.83%. The purchase may signal management’s confidence that the recent selloff has created an attractive entry point. SEC insider transaction filing
• Positive Sentiment: A Seeking Alpha analysis argues that OppFi trades at roughly 4.37 times forward non-GAAP earnings—more than 60% below the sector median—despite resilient cash flow. It views tighter underwriting, improved recoveries and expense discipline as supportive of portfolio quality and long-term margins. The expected BNC National Bank acquisition could expand the platform and potentially lift adjusted EPS by 25% in its first year, although these benefits remain dependent on execution. Seeking Alpha analysis
• Neutral Sentiment: Citizens JMP maintained a “market outperform” rating with an $11 price target, while Stephens kept an “equal weight” rating with a $9.50 target. Both targets are above recent levels, but the reductions from $15 and $11, respectively, reflect greater caution following the earnings report. Analyst price target coverage
• Negative Sentiment: OppFi’s second-quarter results missed expectations: EPS was $0.33 versus a $0.44 consensus, while revenue of $86.17 million was well below the $155.89 million estimate. Management’s FY2026 EPS guidance of $1.34–$1.51 also indicates a weaker near-term outlook. Second-quarter coverage
• Negative Sentiment: Northland Securities cut estimates across multiple periods, including Q3 2026 EPS to $0.38 from $0.50, FY2026 EPS to $1.38 from $1.80, FY2027 EPS to $2.15 from $2.41 and FY2028 EPS to $2.65 from $2.91. The revisions reinforce concerns about slower loan volume and reduced profitability before any acquisition-related benefits materialize.

OppFi Stock Performance

The company has a market cap of $612.23 million, a PE ratio of 3.80 and a beta of 1.77. The firm's 50 day moving average is $9.04 and its 200-day moving average is $8.84.

OppFi (NYSE:OPFI - Get Free Report) last released its earnings results on Monday, August 10th. The company reported $0.33 earnings per share for the quarter, missing analysts' consensus estimates of $0.44 by ($0.11). The business had revenue of $86.17 million during the quarter, compared to analysts' expectations of $155.89 million. OppFi had a return on equity of 33.50% and a net margin of 16.64%.OppFi has set its FY 2026 guidance at 1.340-1.510 EPS. On average, analysts predict that OppFi Inc. will post 1.43 EPS for the current year.

Hedge Funds Weigh In On OppFi

Institutional investors have recently added to or reduced their stakes in the stock. Wellington Management Group LLP increased its stake in shares of OppFi by 193.3% in the 4th quarter. Wellington Management Group LLP now owns 2,474,102 shares of the company's stock worth $25,879,000 after acquiring an additional 1,630,450 shares during the last quarter. Vanguard Group Inc. increased its position in OppFi by 6.8% during the third quarter. Vanguard Group Inc. now owns 1,583,772 shares of the company's stock worth $17,944,000 after purchasing an additional 100,320 shares during the last quarter. JPMorgan Chase & Co. raised its stake in OppFi by 163.2% during the third quarter. JPMorgan Chase & Co. now owns 780,258 shares of the company's stock worth $8,840,000 after purchasing an additional 483,859 shares during the period. Nuveen LLC boosted its holdings in OppFi by 53.8% in the 4th quarter. Nuveen LLC now owns 754,039 shares of the company's stock valued at $7,887,000 after purchasing an additional 263,744 shares during the last quarter. Finally, Two Sigma Investments LP grew its stake in shares of OppFi by 14.3% in the 3rd quarter. Two Sigma Investments LP now owns 646,099 shares of the company's stock valued at $7,320,000 after buying an additional 80,804 shares during the period. Hedge funds and other institutional investors own 7.10% of the company's stock.

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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