Q3 EPS Estimates for OppFi Lowered by Northland Securities

Key Points

• Northland Securities lowered OppFi’s Q3 2026 EPS estimate to $0.38 from $0.50, while forecasting full-year 2027 and 2028 EPS of $2.15 and $2.65, respectively.
• OppFi reported quarterly EPS of $0.33, below the $0.44 consensus estimate, and revenue of $86.17 million versus expectations of $155.89 million. The company’s fiscal 2026 EPS guidance is $1.34–$1.51.
• Analyst sentiment remains mixed, with a consensus “Hold” rating and an average price target of $10.25; shares recently opened at $6.58, near their one-year low of $6.50.

OppFi Inc. (NYSE:OPFI - Free Report) - Research analysts at Northland Securities lowered their Q3 2026 EPS estimates for shares of OppFi in a report released on Monday, August 10th. Northland Securities analyst M. Grondahl now expects that the company will post earnings per share of $0.38 for the quarter, down from their prior forecast of $0.50. The consensus estimate for OppFi's current full-year earnings is $1.80 per share. Northland Securities also issued estimates for OppFi's Q1 2027 earnings at $0.46 EPS, Q2 2027 earnings at $0.49 EPS, Q3 2027 earnings at $0.57 EPS, Q4 2027 earnings at $0.62 EPS, FY2027 earnings at $2.15 EPS, Q1 2028 earnings at $0.66 EPS, Q2 2028 earnings at $0.64 EPS and FY2028 earnings at $2.65 EPS.

OppFi (NYSE:OPFI - Get Free Report) last announced its quarterly 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). OppFi had a net margin of 16.64% and a return on equity of 33.50%. The company 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.

A number of other analysts have also recently issued reports on OPFI. Weiss Ratings reissued a "hold (c)" rating on shares of OppFi in a research report on Friday. Citizens Jmp cut their price target on OppFi from $15.00 to $11.00 and set a "market outperform" rating on the stock in a research report on Tuesday. Citigroup reiterated a "market outperform" rating on shares of OppFi in a research note on Tuesday. Stephens decreased their price objective on OppFi from $11.00 to $9.50 and set an "equal weight" rating for the company in a report on Tuesday. Finally, Wall Street Zen lowered shares of OppFi from a "strong-buy" rating to a "buy" rating in a research report on Saturday. Two research analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the company. According to MarketBeat.com, OppFi currently has a consensus rating of "Hold" and a consensus price target of $10.25.

OppFi Stock Performance

Shares of OPFI stock opened at $6.58 on Wednesday. The stock's 50-day moving average is $9.06 and its two-hundred day moving average is $8.86. OppFi has a 1 year low of $6.50 and a 1 year high of $12.45. The firm has a market cap of $561.61 million, a price-to-earnings ratio of 3.48 and a beta of 1.77.

Insider Transactions at OppFi

In other OppFi news, Director Christina M. Favilla sold 30,000 shares of the company's stock in a transaction that occurred on Monday, June 8th. The stock was sold at an average price of $8.14, for a total transaction of $244,200.00. Following the completion of the sale, the director directly owned 156,737 shares of the company's stock, valued at $1,275,839.18. This represents a 16.07% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. 70.20% of the stock is owned by company insiders.

Hedge Funds Weigh In On OppFi

A number of hedge funds and other institutional investors have recently bought and sold shares of the company. Arrowstreet Capital Limited Partnership raised its position in OppFi by 208.1% during the 1st quarter. Arrowstreet Capital Limited Partnership now owns 211,667 shares of the company's stock worth $1,632,000 after buying an additional 142,971 shares during the last quarter. Kestra Advisory Services LLC increased its stake in shares of OppFi by 53.0% during the first quarter. Kestra Advisory Services LLC now owns 176,047 shares of the company's stock worth $1,357,000 after acquiring an additional 61,013 shares during the period. State of Wyoming raised its holdings in OppFi by 7.9% during the first quarter. State of Wyoming now owns 42,739 shares of the company's stock worth $330,000 after purchasing an additional 3,139 shares in the last quarter. Allspring Global Investments Holdings LLC raised its holdings in OppFi by 11.3% during the first quarter. Allspring Global Investments Holdings LLC now owns 63,304 shares of the company's stock worth $480,000 after purchasing an additional 6,431 shares in the last quarter. Finally, Diversify Wealth Management LLC acquired a new stake in OppFi in the first quarter valued at about $386,000. 7.10% of the stock is currently owned by hedge funds and other institutional investors.

OppFi News Roundup

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. Management said its strategic transformation and growth initiatives remain on track. OppFi Reports Second Quarter 2026 Results
• Positive Sentiment: Citizens JMP maintained a “market outperform” rating, although it reduced its price target from $15 to $11. The revised target still implies substantial potential upside from recent trading levels. Citizens JMP price target update
• Neutral Sentiment: Stonegate Capital Partners said the second-quarter results weaken OppFi’s near-term earnings outlook but do not invalidate its longer-term investment thesis. The firm’s updated coverage suggests investors may need to tolerate weaker near-term performance while the company executes its transformation. Stonegate Capital Partners coverage update
• Negative Sentiment: Adjusted earnings of $0.33 per share missed analyst estimates of approximately $0.44-$0.48, and earnings declined from $0.45 a year earlier. Reports also highlighted lower loan originations as a key factor weighing on quarterly performance. OppFi Q2 earnings miss
• Negative Sentiment: OppFi lowered its fiscal 2026 outlook to EPS of $1.34-$1.51, versus consensus of $1.79, and revenue of $600 million-$625 million, below the $658.3 million analyst estimate. The guidance reduction is the primary reason for the negative stock reaction and raises concerns about slower growth and profitability in the near term. OppFi lower originations and guidance

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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