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OPFI · OppFi Inc.

Track OPFI — free
$7.42 +0.10 (+1.37%) At close · Sep 4
Market Cap
$632.25M
Shares
85.21M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$7.42 Open$7.25 Day$7.24–7.44 52W close$6.59–12.24 Avg vol 30d960K Short int3.5M · 4.2% float · 2.2d Short vol58% Last earningsAug 10, 2026 DataNov 2020–Sep 2026 Filing10-Q · Aug 10

Up next

Next earnings call
Nov 8, 2026 Est · unconfirmed · in 9 wks
filed Aug 10, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$363.60M
Trailing 12 months
Net income (TTM)
$101.72M
Trailing 12 months
Revenue growth YoY
-14.0%
Year over year
Operating margin
38.3%
Trailing 12 months
P / E (TTM)
2.5
Trailing earnings · reciprocal yield 40.3%
FCF yield
60.9%
TTM · current market cap
Return on invested capital
Trailing 12 months
Net cash
Latest balance sheet
Dividend yield
Trailing 12 months
Shares change YoY
+223.3%
Year over year · more shares
Price change (1Y)
-29.0%
Trailing year
Short interest
4.2%
Latest settlement · 2.2 days to cover
View all 114 metrics

Equibles Rating

blended score · not investment advice
Overall
Sell
SellHoldBuy
Technical Sell Momentum Very Weak Sentiment Neutral Fundamentals Excellent Quant / Vol Very High
Market backdrop VIX 14.5 · calm Equity put/call 0.58
Technical
price trend
Sell
50 / 200-day cross No cross
Price vs 200-day avg −18%
below
Price vs 50-day avg −13%
below
RSI (14) 45
neutral
MACD trend Positive
52-week position 15%
near low
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Weak
1-month return −21%
trailing
6-month return −10%
trailing
YTD return −29%
this year
Relative strength −26%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $9 › 200d $9 — 200d above 50d
Institutional flow Accumulating
+1% holders QoQ · +30 funds added
Insider flow Distributing
Net -$185.4K over 90 days · 80% sells
Short interest Rising
4.15% of float · ▲ +47.1% MoM · 2.2 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
148 holders — mid 3-yr range
Squeeze score 61
elevated · 0–100
Fundamentals
Excellent
Revenue growth +19%
Y/Y
EPS growth +175%
Y/Y
Buyback $38.8M
remaining
Balance sheet $24.9M
net debt
Quant / Vol
risk profile
Very High
Volatility 49%
annualized · 1-yr
Max drawdown −46%
past year
ATR 4.6%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Beat or met 0 of last 2
Latest guidance · from the Earnings Call filed Aug 10, 2026
full 2026
Adjusted net income Non-GAAP $115M – $130M
Adjusted EPS Non-GAAP $1.34 – $1.51
by the end of 2028
Earnings per share $3.00
prior FY $0.99 midpoint +203.0% Y/Y
2028
Return on assets at least 10%
Returns on equity at least 35%
the next five years
Adjusted net income Non-GAAP $500M
Prior guidance period ended · from the 8-K filed Aug 7, 2024
Total revenue · Full Year 2024 $510M – $530M
Adjusted net income · Full Year 2024 $63M – $65M
Adjusted earnings per share · Full Year 2024 $0.73 – $0.75
Adjusted net income · Third Quarter 2024 $17M – $19M
Adjusted earnings per share · Third Quarter 2024 $0.20 – $0.22
Guided vs delivered · last 2 settled
Total revenue Full Year 2024
guided $510M – $530M
$321.48M Miss −38.2%
Revenues full year 2021
guided $350M – $360M
$263.68M Miss −25.7%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell
3 · 3 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−18% Bearish
Price vs 50-day avg
−13% Bearish
RSI (14)
45 Neutral
MACD trend
Positive Bullish
52-week position
15% Bearish
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross) No cross
50d $9 › 200d $9 — 200d above 50d
Institutional flow Accumulating
+1% holders QoQ · +30 funds added
Insider flow Distributing
Net -$185.4K over 90 days · 80% sells
Short interest Rising
4.15% of float · ▲ +47.1% MoM · 2.2 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
148 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $7 Now $7 · 15% Range high $12
vs 200-day avg -18% vs 50-day avg -13%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.

Versus peers

Credit Services — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
OPFI
OppFi Inc.
this stock
$632.25M -29.1% +18.6% 4.2%
V
Visa Inc.
$669.29B +6.9% -4.9% 1.2%
MA
Mastercard Inc
$507.39B +1.5% +16.4% 31.9 0.8%
AXP
American Express Co
$220.26B -11.8% +13.4% 19.8 1.6%
COF
Capital One Financial Corp
$136.66B -9.4% +36.6% 46.5 1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
148
% held
27.4%
Net QoQ
+2.9M sh
Top holder
WELLINGTON MANAGEMENT GRO…
Held Float
View
Held by Funds
Fund positions
126
View
Short & Settlement
Short Interest Rising
Shares short
3.5M
Days to cover
2.2d
Change
+1.1M sh
View
Short Volume
Short vol %
58%
As of
Sep 4, 2026
Short Total
View
Fails to Deliver
FTD shares
70.2K
Value
$500.8K
As of
Aug 14, 2026
View
Off-Exchange
Off-exchange %
45.2%
Week of
Jul 27, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$185.4K
Buyers / Sellers
1 / 4
Buyers Sellers
View
Financials
Financials
Net income (FY)
$26.3M
EPS diluted
$0.99
View
Buybacks
Authorized
$40.0M
Remaining
$38.8M
Spent Remaining
View
Filings
SEC Filings
Latest
8-K
Filed
Aug 10, 2026
This year
11
View
Proposed Sales
Value
$558.8K
Shares
77.9K
Filed
Aug 26, 2026
View
Earnings & Events
Earnings Calls
Last call
Aug 10, 2026
View
Investor Relations
Latest news
OppFi to Participate in September…
Published
Aug 25, 2026
View

Performance

5D 20D 120D MTD YTD
OPFI +5.0% -21.1% -10.5% +7.1% -29.1%
SPY +0.1% -0.4% +15.1% +0.4% +12.9%
vs SPY +4.8% -20.7% -25.6% +6.7% -42.0%

Capital returns

Latest dividend
$0.25 / share · ex Apr 8, 2025
Raised 108.3%
Paid (TTM)
$0.00 / share · 0 payouts
Dividend yield (TTM, derived)
· no payout in the trailing year
Buyback program · as of Jun 30, 2026
Authorized
$40.00M
Spent (derived)
$1.20M
Remaining
$38.80M
Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1818502 CUSIP 68386H103 13F (30d) 91 filings 91 filers Visit website Investor relations