OppFi stock
OPFINYSEOppFi Inc., Financial ServicesISIN US68386H1032
73Score 73 out of 100, Strong
We are checking this figure against the original source: P/E ratio.
Price and trend
42 / 100
Price history
−39% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 26% below it.
Since September 2025 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 54).
The price is 47% below its 52-week high. Largest decline in 6 years: 85% (February 2021 to March 2023).
Chart figures for advanced users
- SMA 50$6.27
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$8.07
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)54
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$5.42
- The lowest closing price of the last twelve months.
- Resistance$11.38
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- OppFi Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $509.55M, is number 56 of 61 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $597.05M (up 13.5% year on year) and earnings of $26.33M (up 262.8%).
- For fiscal 2026, analysts expect on average revenue of $603.81M (up 1.1%) and adjusted earnings per share of $1.37 (down 13.8%).
Show more
- MEQIRI Score 73 out of 100 (Strong): rank 306 of 976 in Financial Services, median 68.
- The P/E is 5.4 (Financial (Credit Services) median 11.8, own median of recent years 4).
- Our model puts fair value at $20.08, with the price 70% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on capitalReturn on invested capital 65.3% in fiscal 2025, Financial (Credit Services) median 8.1%.Profitability 88
- Earnings turn into cashFree cash flow 397% of earnings over the last 12 months.Fundamentals 94
- Below fair valuePrice 70% below the fair value of $20.08.Valuation 100
Weaknesses
- DilutionShare count up 104% since 2020.
- Earnings per share fallingDown 30.2% a year since 2020.
- Margin may fall backOperating margin 64.1%, average of the prior years 16.3%, which ranged from −1.4% to 26.6%. After peaks like this, the margin was more than a quarter lower two years later in 44 of 100 cases, against 24 of 100 for other companies with high margins.
Its standout strengths are valuation and fundamentals, while technical analysis and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
- high price swings
- weak momentum
What lowers it
- solid fundamentals
- price not overheated over the past year
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $14.34 and expensive above $33.46 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $27.15 (cash-flow model) and $13.01 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 9.3%. At 10.3% the fair value would be $18.60, at 8.3% it would be $22.18.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2025, revenue rose 13.5% on the prior year. Revenue has grown strongly since 2018, at around 41% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 83%, operating 64%, net 4%. Last 12 months: net 16%.
Debt & balance sheet
latest quarterThe balance sheet is solid, with moderate debt and comfortable interest coverage.
Earnings
- Next earnings
- 10 Mar 2027in 118 days
- Last reported
- 28 Oct 2026EPS reported $0.37 (expected $0.36)above expectations
Analyst estimates
Analysts have cut their 2027 earnings estimate by 16.9% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $1.37−2.7%
- Revenue
- $603.81M−1.3%
- Earnings per share
- $1.60−16.9%
- Revenue
- $650.16M−7.7%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +7.5%OppFi narrowed the top end of its 2026 guidance to $600 to $610 million revenue and $1.34 to $1.40 adjusted EPS, leaving the midpoint essentially unchanged.
“We now expect total revenue of $600 million to $610 million adjusted net income of $115 million to $120 million and adjusted EPS of $1.34 to $1.40 Moreover, our confidence in the long term earnings potential of the company remains unchanged.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 28 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $1.49M in total. 5 insiders sold, $1.6M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Schwartz Todd G.Purchase
14 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 1,940
- Price
- $7.80
- Value
- $15,125
- Schwartz Todd G.Purchase
11 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,300
- Price
- $7.96
- Value
- $26,281
- Johnson Pamela D.Sale
11 Sept 2026, CFO
- Shares
- 8,650
- Price
- $8.02
- Value
- $69,365
Show 26 more
- Schwartz Todd G.Purchase
10 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,350
- Price
- $7.56
- Value
- $25,314
- Schwartz Todd G.Purchase
9 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,450
- Price
- $7.59
- Value
- $26,190
- Schwartz Todd G.Purchase
8 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,475
- Price
- $7.41
- Value
- $25,737
- Schwartz Todd G.Purchase
4 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,500
- Price
- $7.35
- Value
- $25,741
- Schwartz Todd G.Purchase
3 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,450
- Price
- $7.33
- Value
- $25,305
- Schwartz Todd G.Purchase
2 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,550
- Price
- $7.15
- Value
- $25,377
- Schwartz Todd G.Purchase
1 Sept 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,550
- Price
- $6.91
- Value
- $24,542
- Schwartz Todd G.Purchase
31 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,550
- Price
- $6.93
- Value
- $24,611
- Schwartz Todd G.Purchase
28 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,500
- Price
- $7.15
- Value
- $25,018
- Schwartz Todd G.Purchase
27 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,550
- Price
- $7.13
- Value
- $25,312
- McKay Christopher J.Sale
26 Aug 2026, Chief Risk & Analytics Officer
- Shares
- 77,850
- Price
- $7.18
- Value
- $558,800
- Schwartz Todd G.Purchase
26 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,500
- Price
- $7.19
- Value
- $25,163
- Schwartz Todd G.Purchase
25 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,475
- Price
- $7.25
- Value
- $25,205
- Schwartz Todd G.Purchase
24 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,475
- Price
- $7.15
- Value
- $24,831
- Schwartz Todd G.Purchase
21 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,550
- Price
- $7.07
- Value
- $25,104
- Schwartz Todd G.Purchase
20 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,450
- Price
- $7.13
- Value
- $24,597
- Vennettilli DavidSale
19 Aug 2026, Board
- Shares
- 28,485
- Price
- $7.16
- Value
- $203,967
- Schwartz Todd G.Purchase
19 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,500
- Price
- $7.16
- Value
- $25,053
- Schwartz Todd G.Purchase
18 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,550
- Price
- $7.04
- Value
- $24,990
- Schwartz Todd G.Purchase
17 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 3,500
- Price
- $7.00
- Value
- $24,510
- Schwartz Todd G.Purchase
14 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 20,000
- Price
- $7.20
- Value
- $144,012
- Schwartz Todd G.Purchase
13 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 60,000
- Price
- $7.13
- Value
- $427,680
- Schwartz Todd G.Purchase
12 Aug 2026, 10 percent owner, officer: Chief Executive Officer
- Shares
- 60,000
- Price
- $7.05
- Value
- $422,988
- Moore JocelynSale
15 Jun 2026, Board
- Shares
- 39,076
- Price
- $8.32
- Value
- $324,936
- McKay Christopher J.Sale
12 Jun 2026, Chief Risk & Analytics Officer
- Shares
- 23,683
- Price
- $8.35
- Value
- $197,815
- Favilla Christina MSale
8 Jun 2026, Board
- Shares
- 30,000
- Price
- $8.14
- Value
- $244,176
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at OppFi
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 73
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Oportun FinancialOPRT $601.61M54
- NavientNAVI $555.2M36
- LendingTreeTREE $517.22M59
- GrenkeGLJ.DE $517.13M46
- PRA GroupPRAA $484.91M59
- AxactorACR.OL $366.55M31
- BFF BankBFF.MI $323.69M43
- Regional ManagementRM $315.75M72
ETFs that hold OppFi
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.01% | 0.39% | €1.47B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.00% | 0.30% | €4.22B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.