OppFi (NYSE:OPFI) Shares Up 7.6% Following Analyst Upgrade

Key Points

• OppFi shares rose 7.6% to about $7.09 after Stephens upgraded the stock to “hold,” although trading volume was 64% below average.
• Analyst sentiment remains mixed: the stock has an overall “hold” rating and an average price target of $10.25, while Citizens JMP cut its target from $15 to $11 but maintained “market outperform.”
• OppFi’s second-quarter EPS and revenue missed expectations, and the company lowered its 2026 guidance to $1.34–$1.51 in EPS and $600–$625 million in revenue; a director also sold 30,000 shares.

OppFi Inc. (NYSE:OPFI - Get Free Report) shot up 7.6% on Wednesday after Stephens upgraded the stock to a hold rating. The company traded as high as $7.08 and last traded at $7.09. 231,412 shares traded hands during mid-day trading, a decline of 64% from the average session volume of 639,204 shares. The stock had previously closed at $6.59.

Several other analysts also recently weighed in on OPFI. Citigroup reiterated a "market outperform" rating on shares of OppFi in a research report on Tuesday. Weiss Ratings restated a "hold (c)" rating on shares of OppFi in a report on Friday. Zacks Research lowered shares of OppFi from a "strong-buy" rating to a "hold" rating in a report on Tuesday, July 28th. Wall Street Zen lowered shares of OppFi from a "strong-buy" rating to a "buy" rating in a report on Saturday. Finally, Citizens Jmp dropped their price target on shares of OppFi from $15.00 to $11.00 and set a "market outperform" rating for the company in a research report on Tuesday. Two analysts have rated the stock with a Buy rating and three have issued a Hold rating to the company. According to MarketBeat.com, the stock presently has an average rating of "Hold" and an average price target of $10.25.

Insider Buying and Selling at OppFi

In related news, Director Christina M. Favilla sold 30,000 shares of the business's 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 transaction, the director owned 156,737 shares in the company, valued at $1,275,839.18. The trade was a 16.07% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available through this hyperlink. Insiders own 70.20% of the company's stock.

Key Stories Impacting OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: OppFi reported record second-quarter revenue of $145.2 million, up 1.9% year over year, while net income rose 36% to $15.6 million. The company said its strategic transformation remains on track. OppFi Reports Second Quarter 2026 Results
• Positive Sentiment: Citizens JMP maintained a “market outperform” rating, despite reducing its price target from $15 to $11. The revised target still implies substantial potential upside from current levels. Benzinga analyst update
• Positive Sentiment: Stonegate Capital Partners said the weaker second-quarter results affect the near-term earnings outlook but do not alter its longer-term investment thesis. Stonegate Capital Partners Updates Coverage
• Neutral Sentiment: Stephens upgraded OppFi to “hold,” signaling a more balanced view but not a bullish recommendation.
• Negative Sentiment: Second-quarter EPS was $0.33, below analyst expectations of approximately $0.44–$0.48; reported revenue also fell short of consensus estimates. EPS declined from $0.45 a year earlier. OppFi Q2 Earnings and Revenues Miss Estimates
• Negative Sentiment: OppFi lowered 2026 guidance to $1.34–$1.51 in EPS and $600–$625 million in revenue, below consensus forecasts of $1.79 EPS and $658.3 million in revenue. The downgrade reflects lower originations and weaker near-term earnings expectations.
• Negative Sentiment: Northland Securities reduced EPS estimates across multiple future periods, including Q3 2026 from $0.50 to $0.38, FY2027 from $2.41 to $2.15, and FY2028 from $2.91 to $2.65. Citizens JMP’s price-target reduction adds to the cautious analyst sentiment.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently made changes to their positions in OPFI. Quarry LP grew its stake in OppFi by 669.2% in the third 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 period. Russell Investments Group Ltd. boosted its holdings in shares of OppFi by 217.6% during the 2nd quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company's stock valued at $65,000 after buying an additional 3,207 shares in the last quarter. Moran Wealth Management LLC bought a new stake in shares of OppFi during the 1st quarter valued at $84,000. Lazard Asset Management LLC purchased a new stake in shares of OppFi in the 1st quarter worth about $91,000. Finally, Kemnay Advisory Services Inc. bought a new position in shares of OppFi in the 4th quarter worth about $95,000. Hedge funds and other institutional investors own 7.10% of the company's stock.

OppFi Stock Performance

The business's 50-day moving average is $9.06 and its 200-day moving average is $8.86. The company has a market capitalization of $608.94 million, a PE ratio of 3.77 and a beta of 1.77.

OppFi (NYSE:OPFI - Get Free Report) last announced its quarterly earnings data 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). OppFi had a return on equity of 33.50% and a net margin of 16.64%.The business had revenue of $86.17 million during the quarter, compared to analysts' expectations of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS. Analysts expect that OppFi Inc. will post 1.8 EPS for the current year.

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.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to contact@marketbeat.com.

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