OPFI · OppFi Inc.
$7.16
+0.03 (+0.42%)
At close · Aug 14
Market Cap
$610.09M
Shares
85.21M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$7.16
Open$7.29
Day$7.09–7.41
52W close$6.59–12.24
Avg vol 30d911K
Short int2.4M · 2.8% float · 5.4d
Short vol59%
Last earningsAug 10, 2026
DataNov 2020–Aug 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Nov 8, 2026
Est · unconfirmed
· in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 14.3 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−22%
below
Price vs 50-day avg
−20%
below
RSI (14)
31
neutral
MACD trend
Negative
52-week position
10%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−24%
trailing
6-month return
−19%
trailing
YTD return
−32%
this year
Relative strength
−33%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $9 › 200d $9 — 200d above 50d
Institutional flow
Accumulating
+1% holders QoQ · +31 funds added
Insider flow
Accumulating
Net +$227.8K over 90 days · 75% sells
Short interest
Falling
2.82% of float · ▼ -7.8% MoM · 5.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
148 holders — mid 3-yr range
Squeeze score
50
elevated · 0–100
Fundamentals
Revenue growth
+19%
Y/Y
EPS growth
+175%
Y/Y
Buyback
$38.8M
remaining
Balance sheet
$549.0K
net debt
Quant / Vol
risk profile
Volatility
50%
annualized · 1-yr
Max drawdown
−46%
past year
ATR
7.2%
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 8-K filed Aug 10, 2026
Total revenue
· Full Year 2026
$600M – $625M
Adjusted net income
· Full Year 2026
Non-GAAP
$115M – $130M
Adjusted EPS
· Full Year 2026
Non-GAAP
$1.34 – $1.51
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2025
Total revenues
· full year 2025
$590M – $605M
Adjusted net income
· full year 2025
$137M – $142M
Adjusted earnings per share
· full year 2025
$1.54 – $1.60
Guided vs delivered
· last 1 settled
Total revenue
full year 2024
guided $510M – $530M
$321.48M
Miss −38.2%
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
−22%
Bearish
Price vs 50-day avg
−20%
Bearish
RSI (14)
31
Neutral
MACD trend
Negative
Bearish
52-week position
10%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $9 › 200d $9 — 200d above 50d
Institutional flow
Accumulating
+1% holders QoQ · +31 funds added
Insider flow
Accumulating
Net +$227.8K over 90 days · 75% sells
Short interest
Falling
2.82% of float · ▼ -7.8% MoM · 5.4 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 · 10%
Range high $12
vs 200-day avg -22%
vs 50-day avg -20%
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 EPS non-GAAP | $0.68 | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted net income non-GAAP | 58.81M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Adjusted net income margin non-GAAP | 19.8% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Auto-approval rate | 80.2% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Automatic Approval Rate | 81% | Q2 2026 | — |
| Average yield, annualized | 131.1% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Ending receivables | 440.07M | Six Months Ended June 30, 2026 | — |
|
|
|||
| 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, 2026 | — |
|
|
|||
| Percentage of net originations by new loans | 41.6% | the three months ended June 30, 2026 filing | — |
| Share repurchase program authorization | 40M | Six Months Ended June 30, 2026 | — |
| Share repurchases | $11.2M | 1H 2026 | — |
| Shares repurchased | 11.2M | Six Months Ended June 30, 2026 | — |
| Total net originations | 388.01M | Six Months Ended June 30, 2026 | — |
|
|
|||
| Total Retained Net Originations | $177M | Q2 2026 | — |
|
|
|||
| Net charge-offs as % of average receivables, annualized | 55.5% | Three Months Ended March 31, 2026 | — |
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.
|
$610.09M | -31.5% | +18.6% | — | 2.8% |
|
V
Visa Inc.
|
$649.80B | +3.8% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$498.70B | -0.3% | +16.4% | 31.3 | 1.0% |
|
AXP
American Express Co
|
$231.28B | -7.4% | +13.4% | 20.8 | 1.8% |
|
COF
Capital One Financial Corp
|
$141.47B | -6.2% | +36.6% | — | 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 sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OPFI | -23.8% | -23.7% | -19.3% | -23.6% | -31.6% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | -24.2% | -28.1% | -33.1% | -27.5% | -45.4% |
Capital returns
Latest dividend
$0.25
/ share · ex Apr 8, 2025
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)
149 filings
145 filers
Visit website
Investor relations