OppFi (OPFI) Stock Price, News & Analysis

Company Overview

OppFi Inc. (NYSE: OPFI) is a financial technology company that provides credit and related financial services to consumers who may have limited access to traditional banking products. The company primarily serves non-prime consumers in the United States and uses technology and data-driven underwriting to evaluate applicants and facilitate access to personal loans.

OppFi’s core offering is its personal-loan platform, which is designed to provide installment credit for expenses such as emergencies, bills and other everyday financial needs. The company has also expanded its product offerings to include other consumer financial services, including credit-building products and earned wage access through its financial technology platform and affiliated offerings.

Founded in 2012 as Opportunity Financial, OppFi operates through a model that includes relationships with partner banks and other financial institutions. Jared Kaplan, one of the company’s co-founders, serves as chief executive officer. OppFi became a publicly traded company in 2021 through a business combination with a special purpose acquisition company.

Key Stats

• Today's Range: $5.96 to $6.12
• 50-Day Range: $5.96 to $9.91
• 52-Week Range: $5.91 to $11.69
• Volume: 239,715 shs
• Average Volume: 682,845 shs
• Market Capitalization: $516.80 million
• P/E Ratio: 3.21
• Dividend Yield: N/A
• Price Target: $10.50
• Consensus Rating: Hold

OppFi Stock Analysis - MarketRank™

OppFi scored higher than 90% of companies evaluated by MarketBeat, and ranked 178th out of 833 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 74.3% upside from its current price of $6.02.

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 3.19, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.78.

Price to Earnings Ratio vs. Sector

The P/E ratio of OppFi is 3.19, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.57.

Price to Book Value per Share Ratio

OppFi has a P/B Ratio of 1.68. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

13.76% 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 3.81, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in OppFi has recently increased by 8.39%, indicating that investor sentiment is decreasing 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: 1.3 / 5
• News Sentiment: -0.85

News Sentiment

OppFi has a news sentiment score of -0.85. 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 lower news sentiment than the 0.56 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for OppFi this week, compared to 3 articles on an average week.

Search Interest

Only 2 people have searched for OPFI on MarketBeat in the last 30 days. This is a decrease of -85% compared to the previous 30 days.

MarketBeat Follows

4 people have added OppFi to their MarketBeat watchlist in the last 30 days. This is an increase of 300% 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 0.0203% 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: 10/08/2026
• 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: +72.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.89
• Trailing P/E Ratio: 3.23
• Forward P/E Ratio: 4.34
• 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: 0.87
• Cash Flow: $0.58 per share
• Price / Cash Flow: 10.48
• Book Value: $3.59 per share
• Price / Book: 1.69

Miscellaneous

• Outstanding Shares: 85,210,000
• Free Float: 25,392,000
• Market Cap: $517.65 million
• Optionable: Optionable
• Beta: 1.78