Price
$6.59-28.83%Social Signal Score
Analyst Ratings
6 analystsRevenue
$145.17M+268.07%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Todd G. Schwartz
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 410
- Beta
- 1.78
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 2.27
Financials
Revenue
$145.17M+268.1%Net Income
$14.84M-12.2%EBITDA
$35.09M+2411.8%Free Cash Flow
$87.27M+86.5%EPS (diluted)
$0.18-56.1%Shares Outstanding (diluted)
86.04M+563.0%Operating Expenses
$29.74MCash & Debt
$64.35MReturn of Capital
$13.70MRevenue by Segment (annual)
$381.18MDividend per Share
$0.25Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $597.05M | $26.33M | $0.99 |
| 2024 | $525.96M | $7.26M | $0.36 |
| 2023 | $508.95M | $-1.00M | $-0.06 |
| 2022 | $452.86M | $7.10M | $0.51 |
| 2021 | $350.57M | $25.55M | $1.93 |
| 2020 | $291.01M | $77.52M | $5.97 |
| 2019 | $107.30M | $32.99M | $2.54 |
| 2018 | $54.38M | $9.73M | $ |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from OPFI's reported EPS growth of -14.5% a year over 6 years.
- EPS in 5 years
- $0.45
- Implied price
- $4.99
- Return from $5.97
- -3.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $2.48 — -58.4% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 7 | 9 | 11 | 13 | 15 |
|---|---|---|---|---|---|
| -24.5% | -22.2% | -18.2% | -14.8% | -11.9% | -9.3% |
| -19.5% | -17.0% | -12.7% | -9.2% | -6.1% | -3.3% |
| -14.5% | -11.9% | -7.3% | -3.5% | -0.2% | 2.7% |
| -9.5% | -6.7% | -1.9% | 2.1% | 5.6% | 8.7% |
| -4.5% | -1.5% | 3.5% | 7.8% | 11.4% | 14.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
50-37.50%Social Signal Score
Mentions (9)
- Newsprnewswire.com·41d ago·Neutral
OppFi to Participate in September 2026 Conferences CHICAGO, Aug. 25, 2026 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans, today announced that management will participate in the following conferences in September 2026: Oppenheimer Fintech Leaders Conference Location: New YorkDate: September 15, 2026 U.S. Bancorp | BTIG Consumer Finance Confe…
View source ↗ - Newsseekingalpha.com·54d ago·Neutral
…ppFi trades at a steep discount, with shares at 4.37x forward non-GAAP earnings—over 60% below the sector median—despite resilient revenue and free cash flow growth. OPFI management tightened underwriting, sacrificing short-term volume for portfolio quality, margin stability, and long-term profitability, as evidenced by improved recoveries and disciplined expense control. The BNC National Bank acquisition is expected to be financially transformative, expanding OPFI's platform, boosting adjusted …
View source ↗ - Newsfool.com·55d ago·Neutral
Why OppFi Stock Swooned by Almost 25% Today The specialty lender posted a displeasing quarterly earnings report.
View source ↗ - Newsnewsfilecorp.com·55d ago·Negative
Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 2Q26 Dallas, Texas--(Newsfile Corp. - August 11, 2026) - OppFi, Inc. (NYSE: OPFI): Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OppFi's 2Q26 results weaken the near-term earnings outlook but do not change the longer-term thesis.
View source ↗ - Newsseekingalpha.com·56d ago·Positive
OppFi Inc. (OPFI) Q2 2026 Earnings Call Transcript OppFi Inc. (OPFI) Q2 2026 Earnings Call Transcript
View source ↗ - Newsbenzinga.com·56d ago·Positive
OppFi Posts Downbeat Q2 Earnings, Joins Upwork, Rocket Lab And Other Big Stocks Moving Lower In Tuesday's Pre-Market Session U.S. stock futures were mostly lower this morning, with the Dow futures falling around 0.1% on Tuesday.
View source ↗ - Newsmarketbeat.com·56d ago·Neutral
OppFi Q2 Earnings Call Highlights OppFi NYSE: OPFI reported second-quarter 2026 revenue growth but lower adjusted earnings as the consumer lending platform invested in new products, technology infrastructure and its planned acquisition of BNC National Bank.
View source ↗ - Newszacks.com·56d ago·Negative
OppFi Inc. (OPFI) Q2 Earnings and Revenues Miss Estimates OppFi Inc. (OPFI) came out with quarterly earnings of $0.33 per share, missing the Zacks Consensus Estimate of $0.48 per share. This compares to earnings of $0.45 per share a year ago.
View source ↗ - Newsprnewswire.com·56d ago·Positive
OppFi Reports Second Quarter 2026 Results, Record Second Quarter Revenue Total revenue increased 1.9% year over year to $145.2 million, a Company record for any second quarter Net income increased 36.0% year over year to $15.6 million CHICAGO, Aug. 10, 2026 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans, today reported financial results for the seco
View source ↗
Earnings
Wed, Nov 4(in 4 weeks)
Consensus estimate $0.35 per share
Typical surprise +46.2% (median, so one quarter with a near-zero estimate can't distort it)
- Mon, Aug 10$0.33 vs $0.45miss
- Thu, May 7$0.35 vs $0.33beat
- Wed, Mar 11$0.30 vs $0.28beat
- Wed, Oct 29$0.46 vs $0.31beat
- Wed, Aug 6$0.45 vs $0.30beat
- Wed, May 7$0.38 vs $0.26beat
Estimates and results for OPFI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by OPFI officers and directors.
- Bought
- $1.5m
- Sold
- $2.2m
23 trades
14 trades
- Schwartz Todd G.bought
- Schwartz Todd G.bought
- Johnson Pamela D.sold
- Schwartz Todd G.bought
- Schwartz Todd G.bought
- Schwartz Todd G.bought
- Schwartz Todd G.bought
- Schwartz Todd G.bought
63 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in OPFI.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.