OPFI · OppFi Inc.
$5.98
-0.06 (-0.91%)
At close · Oct 1
Return incl. dividend (before tax)
Market Cap
$535.11M
Shares
85.21M
Volume · Oct 1
351.1K
Avg daily vol (3M)
875.38K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$6.03
Open$6.09
Day$5.99–6.10
52W close$6.03–11.38
Avg vol 30d852K
Short int3.5M · 4.1% float · 3.8d
Short vol40%
Last earningsAug 10, 2026
DataNov 2020–Sep 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Nov 8, 2026
Est · unconfirmed
· in 5 wks
filed Aug 10, 2026
call held 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)
2.0
Trailing earnings · reciprocal yield 49.6%
FCF yield
71.9%
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)
-46.8%
Trailing year
Short interest
4.1%
Latest settlement · 3.8 days to cover
Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 16.3 · calm
Equity put/call 0.53
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−31%
below
Price vs 50-day avg
−21%
below
RSI (14)
28
oversold
MACD trend
Negative
52-week position
0%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−12%
trailing
6-month return
−26%
trailing
YTD return
−42%
this year
Relative strength
−38%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $8 › 200d $9 — 200d above 50d
Institutional flow
Flat
0% holders QoQ · +29 funds added
Insider flow
Accumulating
Net +$656.6K over 90 days · 75% sells
Short interest
Rising
4.10% of float · ▲ +8.4% MoM · 3.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
147 holders — mid 3-yr range
Squeeze score
60
elevated · 0–100
Fundamentals
Revenue growth
+19%
Y/Y
EPS growth
+175%
Y/Y
Buyback
$38.8M
remaining
Balance sheet
$24.9M
net debt
Quant / Vol
risk profile
Volatility
49%
annualized · 1-yr
Max drawdown
−47%
past year
ATR
4.5%
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
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
the next five years
Adjusted net income
Non-GAAP
$500M
the combined company in 2028
Return on assets
at least 10%
Returns on equity
at least 35%
this year (2026)
Investing more than $150 million this year
at least $150M
Guided vs delivered
· last 3 settled
Total revenue
Full Year 2024
guided $510M – $530M
$321.48M
Miss −38.2%
Total Revenue
Full Year 2023
guided $500M – $520M
$273.18M
Miss −46.4%
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 Strong Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−31%
Bearish
Price vs 50-day avg
−21%
Bearish
RSI (14)
28
Neutral
MACD trend
Negative
Bearish
52-week position
0%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $8 › 200d $9 — 200d above 50d
Institutional flow
Flat
0% holders QoQ · +29 funds added
Insider flow
Accumulating
Net +$656.6K over 90 days · 75% sells
Short interest
Rising
4.10% of float · ▲ +8.4% MoM · 3.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
147 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $6
Now $6 · 0%
Range high $11
vs 200-day avg -31%
vs 50-day avg -21%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings per share non-GAAP | $0.68 | Six Months Ended June 30, 2026 | — |
| Adjusted EBT non-GAAP | 77.34M | Six Months Ended June 30, 2026 | — |
| Adjusted net income non-GAAP | 58.81M | Six Months Ended June 30 | — |
| Adjusted net income margin non-GAAP | 19.8% | Six Months Ended June 30, 2026 | — |
| Auto-approval rate | 80.2% | Six Months Ended June 30 | — |
| Average yield, annualized | 131.1% | Six Months Ended June 30 | — |
| Ending receivables | 440.07M | Six Months Ended June 30 | — |
| Free Cash Flow non-GAAP | $104M | 1H 2026 | — |
| Net Charge-Off Rate as % of Avg. Receivables, Annualized | 52% | Q2 2026 | — |
| Net charge-offs as % of total revenue | 41% | Six Months Ended June 30 | — |
| Net originations | $212M | the three months ended June 30, 2026 filing | — |
| Percentage of net originations by new loans | 41.6% | the three months ended June 30, 2026 filing | — |
| Total net originations | 388.01M | Six Months Ended June 30 | — |
| Total retained net originations | 176.76M | the three months ended June 30, 2026 filing | — |
| Weighted average diluted shares outstanding | 86,117,558 | Six Months Ended June 30, 2026 | — |
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Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OPFI
this stock
OppFi Inc.
|
$535.11M | -42.4% | +18.6% | — | 4.1% |
|
V
Visa Inc.
|
$655.56B | +2.5% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$497.27B | -3.4% | +16.4% | 31.2 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -17.8% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -20.3% | +36.6% | 11.7 | 1.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OPFI | -4.0% | -12.1% | -26.1% | -13.0% | -42.4% |
| SPY | -0.7% | +0.1% | +12.2% | -0.6% | +11.8% |
| vs SPY | -3.3% | -12.2% | -38.3% | -12.4% | -54.2% |
Capital returns
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.