OppFi (OPFI) Stock Price, News & Analysis

Company Overview

OppFi Inc. (NYSE: OPFI) is a financial technology company that provides access to credit for consumers who may have limited or impaired credit histories. Through its OppLoans platform, the company offers unsecured personal installment loans designed to help customers manage expenses, consolidate debt, or address other short-term financial needs.

OppFi uses technology, data analysis, and automated underwriting to evaluate applicants and facilitate loan applications through digital channels. Its platform is intended to provide a more accessible alternative to traditional credit products for non-prime consumers, while offering fixed repayment schedules and online account management.

Founded in 2012, OppFi primarily serves customers in the United States, subject to applicable state laws and product availability. The company became publicly traded on the New York Stock Exchange in 2021 through a business combination with a special purpose acquisition company.

Key Stats

• Today's Range: $7.04 to $7.24
• 50-Day Range: $6.58 to $9.91
• 52-Week Range: $6.50 to $12.45
• Volume: 884,720 shs
• Average Volume: 800,135 shs
• Market Capitalization: $600.82 million
• P/E Ratio: 3.73
• Dividend Yield: N/A
• Price Target: $10.50
• Consensus Rating: Hold

OppFi Stock Analysis - MarketRank™

OppFi scored higher than 98% of companies evaluated by MarketBeat, and ranked 42nd out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.1 / 5
• Analyst Rating: Hold

Consensus Rating

OppFi has received a consensus rating of Hold. The company's average rating score is 2.17, and is based on no strong buy ratings, 2 buy ratings, 3 hold ratings, and 1 sell rating.

Upside Potential

OppFi has a consensus price target of $10.50, representing about 48.9% upside from its current price of $7.05.

Amount of Analyst Coverage

OppFi has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 51.43%

Earnings Growth

Earnings for OppFi are expected to grow by 51.43% in the coming year, from $1.40 to $2.12 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of OppFi is 3.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of OppFi is 3.73, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.29.

Price to Book Value per Share Ratio

OppFi has a P/B Ratio of 1.96. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

12.70% of the float of OppFi has been sold short.

Short Interest Ratio / Days to Cover

OppFi has a short interest ratio ("days to cover") of 4.68.

Change versus previous month

Short interest in OppFi has recently decreased by 8.84%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

OppFi does not currently pay a dividend.

Dividend Growth

OppFi does not have a long track record of dividend growth.

News and Social Media

• Score: 4.0 / 5
• News Sentiment: 1.32

News Sentiment

OppFi has a news sentiment score of 1.32. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 12 news articles for OppFi this week, compared to 3 articles on an average week.

Search Interest

Only 3 people have searched for OPFI on MarketBeat in the last 30 days. This is a decrease of -80% compared to the previous 30 days.

MarketBeat Follows

3 people have added OppFi to their MarketBeat watchlist in the last 30 days. This is an increase of 200% compared to the previous 30 days.

Company Ownership

• Score: 3.7 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $104,186.00 in company stock, which represents 0.0173% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, OppFi insiders have bought 12.52% more of their company's stock than they have sold. Specifically, they have bought $936,475.00 in company stock and sold $832,289.00 in company stock.

Percentage Held by Insiders

70.20% of the stock of OppFi is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

7.10% of the stock of OppFi is held by institutions.

Company Calendar

• Last Earnings: 8/10/2026
• Today: 9/17/2026
• Next Earnings (Estimated): 11/04/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:OPFI
• CIK: 1818502
• Web: www.oppfi.com
• Phone: 312-212-8079
• Fax: N/A
• Employees: 410
• Year Founded: 2012

Price Target and Rating

• Average Price Target for OppFi: $10.50
• High Price Target: $11.00
• Low Price Target: $9.50
• Potential Upside/Downside: +48.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.89
• Trailing P/E Ratio: 3.73
• Forward P/E Ratio: 5.04
• P/E Growth: N/A
• Net Income: $26.33 million
• Net Margins: 16.64%
• Pretax Margin: 33.51%
• Return on Equity: 30.89%
• Return on Assets: 13.99%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.85
• Quick Ratio: 1.85

Sales & Book Value

• Annual Sales: $597.05 million
• Price / Sales: 1.01
• Cash Flow: $0.59 per share
• Price / Cash Flow: 11.92
• Book Value: $3.59 per share
• Price / Book: 1.96

Miscellaneous

• Outstanding Shares: 85,210,000
• Free Float: 25,392,000
• Market Cap: $600.82 million
• Optionable: Optionable
• Beta: 1.76