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OPFI

NEUTRAL
$9.51 Live
OppFi Inc. · NYSE
Target $13.33 (+40.2%)
$7.36 52W Range $15.03
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026
Market cap
$818.93M
P/E
9.61
ROE
53.9%
Profit margin
7.7%
Debt/Equity
1.08
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
80%
OPFI presents a dichotomy between strong operational efficiency and bearish sentiment indicators. While the Piotroski F-Score of 4/9 indicates stable financial health and the company boasts an exceptional ROE of 53.86%, the stock is currently trading at a premium to its Graham Number ($6.91) and Intrinsic Value ($6.93). Despite a very low forward P/E of 4.68 and a consistent track record of earnings beats, the analysis is tempered by a 0/100 technical trend and bearish insider activity, including sales by the CFO and Directors.

Key Strengths

Exceptional profitability metrics with ROE at 53.86% and ROA at 20.96%
Strong short-term liquidity with a Current Ratio of 5.71
Consistent earnings performance with 3/4 recent beats and high average surprises
Very attractive valuation on a forward earnings basis (Forward P/E of 4.68)
Strong 3-year price appreciation (+444.2%) reflecting successful scaling

Key Risks

Trading at a ~37% premium to defensive fair value (Graham Number)
Bearish insider sentiment with multiple sales by executives and directors
High exposure to underserved credit markets, increasing sensitivity to macroeconomic downturns
Bearish technical trend (0/100) suggesting lack of immediate price momentum
Negative most recent Q/Q EPS growth (-34.8%)
AI Fair Value Estimate
Based on comprehensive analysis
$8.25
-13.2% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
54
Moderate
Value
65
Future
70
Past
85
Health
50
Dividend
0
AI Verdict
Speculative Value
Key drivers: High ROE, Low Forward P/E, Insider Selling, Premium to Graham Number
Confidence
85%
Value
65/100

Trades at a premium to defensive value but remains cheap relative to earnings.

Positives
  • Low P/E (9.61)
  • Very low Forward P/E (4.68)
Watchpoints
  • Price ($9.51) exceeds Graham Number ($6.91)
  • Price exceeds Intrinsic Value ($6.93)
Future
70/100

Growth is steady but not explosive; earnings quality is high.

Positives
  • YoY EPS growth of 30.4%
  • Consistent earnings beat history
Watchpoints
  • Recent Q/Q EPS decline
  • Moderate YoY revenue growth (9.2%)
Past
85/100

Strong historical trajectory with a recent plateau.

Positives
  • Massive 3-year return (+444.2%)
  • Strong history of EPS surprises
Watchpoints
  • Flat 1-year performance (+1.7%)
Health
50/100

Liquidity is superior, but fundamental health scores are mediocre.

Positives
  • Excellent Current Ratio (5.71)
  • Manageable Debt/Equity (1.08)
Watchpoints
  • Piotroski F-Score of 4/9 is only 'Stable'
  • Altman Z-Score unavailable
Dividend
0/100

Company reinvests all capital; no income component.

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$9.51
Analyst Target
$13.33
Upside/Downside
+40.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for OPFI and closest competitors.

Updated 2026-04-30
OPF
OppFi Inc.
Primary
5Y
+1.2%
3Y
+444.2%
1Y
+1.7%
6M
-1.1%
1M
+23.4%
1W
+11.0%
EOI
Eaton Vance Enhanced Equity Income Fund
Peer
5Y
+67.5%
3Y
+66.3%
1Y
+18.0%
6M
+0.7%
1M
+5.7%
1W
-0.1%
PRA
PRA Group, Inc.
Peer
5Y
-42.8%
3Y
-43.5%
1Y
+24.0%
6M
+55.9%
1M
+20.3%
1W
+10.3%
HTB
Heritage Commerce Corp
Peer
5Y
+39.7%
3Y
+91.7%
1Y
+72.2%
6M
+45.8%
1M
+11.2%
1W
+5.0%
TRS
TrustCo Bank Corp NY
Peer
5Y
+55.7%
3Y
+81.2%
1Y
+70.4%
6M
+30.7%
1M
+9.3%
1W
-0.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
9.61
Forward P/E
4.68
PEG Ratio
N/A
P/B Ratio
4.44
P/S Ratio
2.4
EV/Revenue
2.3
EV/EBITDA
N/A
Market Cap
$818.93M

Profitability

Profit margins and return metrics

Profit Margin 7.7%
Operating Margin 40.59%
Gross Margin 100.0%
ROE 53.86%
ROA 20.96%

Growth

Revenue and earnings growth rates

Revenue Growth +9.2%
Earnings Growth N/A
Q/Q Revenue Growth +17.33%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
1.08
Moderate
Current Ratio
5.71
Strong
Quick Ratio
5.32
Excellent
Cash/Share
$1.87

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.2B
Gross Margin
84.9%
Op. Margin
65.7%
Net Margin
10.6%
Total Assets
$0.8B
Liabilities
$0.4B
Equity
$0.1B
Debt/Equity
7.61x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
96%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-07
$N/A
2026-03-11
$0.3
+6.2% surprise
2025-10-29
$0.46
+43.8% surprise
2025-08-06
$0.45
+52.5% surprise

Financial Services Sector Comparison

Comparing OPFI against 975 companies in the Financial Services sector (156 bullish, 425 neutral, 394 bearish)
P/E Ratio
9.61
This Stock
vs
34.86
Sector Avg
-72.4% (Discount)
Return on Equity (ROE)
53.86%
This Stock
vs
0.29%
Sector Avg
+18327.5% (Excellent)
Profit Margin
7.7%
This Stock
vs
88.25%
Sector Avg
-91.3% (Weaker)
Debt to Equity
1.08
This Stock
vs
1.32
Sector Avg
-18.2% (Lower)
Revenue Growth
9.2%
This Stock
vs
33.02%
Sector Avg
-72.1% (Slower)
Current Ratio
5.71
This Stock
vs
3.69
Sector Avg
+54.8% (Stronger)

Similar Companies

Peer comparison within the same industry

OPFI OppFi Inc.
NEUTRAL
Mkt Cap
$819M
P/E
9.6
ROE
53.9%
Price
$9.51
EOI Eaton Vance...
NEUTRAL
Mkt Cap
$818M
P/E
8.3
ROE
-%
Price
$19.96
 Compare with OPFI
PRAA PRA Group, Inc.
NEUTRAL
Mkt Cap
$823M
P/E
-
ROE
-26.0%
Price
$21.09
 Compare with OPFI
HTBK Heritage Commerce Corp
BULLISH
Mkt Cap
$824M
P/E
17.1
ROE
6.8%
Price
$13.37
 Compare with OPFI
TRST TrustCo Bank Corp NY
NEUTRAL
Mkt Cap
$825M
P/E
14.3
ROE
9.0%
Price
$46.61
 Compare with OPFI

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

SCHWARTZ TODD G
Chief Executive Officer
Stock Award
2026-04-01
208,053 shares
MCKAY CHRISTOPHER J
Officer
Stock Award
2026-04-01
26,007 shares
JOHNSON PAMELA D
Chief Financial Officer
Stock Award
2026-04-01
27,073 shares
MOORE JOCELYN
Director
Sell
2026-03-12
8,190 shares · $69,861
JOHNSON PAMELA D
Chief Financial Officer
Sell
2026-01-05
5,084 shares · $52,060
SCHWARTZ THEODORE G
Director and Beneficial Owner of more than 10% of a Class of Security
Gift
2025-12-12
186,737 shares
MOORE JOCELYN
Director
Sell
2025-12-11
4,464 shares · $48,721
MOORE JOCELYN
Director
Sell
2025-11-21
20,200 shares · $186,385
MCKAY CHRISTOPHER J
Officer
Sell
2025-11-03
1,107 shares · $10,904
JOHNSON PAMELA D
Chief Financial Officer
Sell
2025-11-03
1,129 shares · $11,290
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-29

OppFi Inc. filed an 8-K on April 29, 2026, likely to announce its financial results for the first quarter of 2026.

DEF 14A
DEF 14A
2026-04-28

OppFi Inc. (OPFI) filed a definitive proxy statement on April 28, 2026, providing shareholders with necessary information and voting materials for its annual meeting.

8-K
8-K
2026-04-16

OppFi Inc. likely reported its first-quarter financial results for 2026.

10-K
10-K
2026-03-12

OppFi operates a tech-enabled digital finance platform that partners with banks to provide credit access to underserved consumers, complemented by a 35% equity interest in Bitty Holdings for small business financing. The company leverages proprietary technology and data science to automate the acquisition and underwriting process for its OppLoans brand. While specific financial metrics were not provided in the excerpts, the filing notes that results are subject to risks and uncertainties detailed in the Risk Factors section.

8-K
8-K
2026-03-11

OppFi Inc. filed a current report on March 11, 2026, likely announcing its annual financial results or quarterly earnings.

10-Q
10-Q
2025-11-06

OppFi filed its quarterly 10-Q report on November 6, 2025. The filing includes a section on risk factors under Item 1A, although specific financial highlights and risk details were not provided in the available excerpt.

8-K
8-K
2025-10-29

OppFi Inc. filed an 8-K on October 29, 2025, likely to report its third-quarter financial results.

8-K
8-K
2025-10-02

OppFi Inc. filed an 8-K on October 2, 2025, likely to report its third-quarter financial results.

8-K
8-K
2025-08-26

OppFi Inc. likely reported its second-quarter financial results for the period ending June 30, 2025.

8-K
8-K
2025-08-21

OppFi Inc. likely filed this 8-K to announce its second-quarter financial results.

10-Q
10-Q
2025-08-07
8-K
8-K
2025-08-06
8-K
8-K
2025-06-11
10-Q
10-Q
2025-05-08
8-K
8-K
2025-05-07
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
3 analysts
Citizens
2026-04-17
Maintains
Market Outperform Market Outperform

Past News Coverage

Recent headlines mentioning OPFI from our newsroom.

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