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    OppFi Inc (OPFI)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NYSE

    $5.78
    +0.08 (+1.49%)

    Market Cap: $495.91M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    82%(18/22)
    Avg Surprise
    +74.60%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.35
    Range$0.33 - $0.37
    4 analysts
    EPS Revisions
    1
    0
    7d
    0
    4
    30d
    EPS Estimate DriftChange to current
    90d ago$0.52-32.0%
    60d ago$0.51-31.7%
    30d ago$0.51-31.7%
    7d ago$0.35+0.7%
    Current$0.35
    Revenue Consensus
    $153M
    Range$151M - $154M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.29
    Range$0.26 - $0.32
    4 analysts
    Revenue Consensus
    $152M
    Range$150M - $153M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.29---
    Sep 26EST
    		-$0.35---
    Jun 26
    Reported Aug 10
    		$0.33$0.48-31.25%Miss-26.7%
    Mar 26
    Reported May 7
    		$0.35$0.33+6.06%Beat-7.9%
    Dec 25
    Reported Mar 11
    		$0.30$0.28+5.26%Beat+30.4%
    Sep 25
    Reported Oct 29
    		$0.46$0.32+43.75%Beat+39.4%
    Jun 25
    Reported Aug 5
    		$0.45$0.30+50.00%Beat+55.2%
    Mar 25
    Reported May 7
    		$0.38$0.25+52.00%Beat+280.0%
    Dec 24
    Reported Mar 5
    		$0.23$0.15+56.78%Beat+130.0%
    Sep 24
    Reported Nov 7
    		$0.33$0.20+65.00%Beat+106.3%
    Jun 24
    Reported Aug 7
    		$0.29$0.14+107.14%Beat+52.6%
    Mar 24
    Reported May 8
    		$0.10$0.05+100.00%Beat+100.0%
    Dec 23
    Reported Mar 7
    		$0.10$0.08+25.00%Beat+152.6%
    Sep 23
    Reported Nov 9
    		$0.16$0.07+128.57%Beat+1500.0%
    Jun 23
    Reported Aug 9
    		$0.19$0.04+375.00%Beat+137.5%
    Mar 23
    Reported May 11
    		$0.05$-0.01+600.00%Beat+400.0%
    Dec 22
    Reported Mar 23
    		$-0.19$-0.10-90.00%Miss-246.2%
    Sep 22
    Reported Nov 9
    		$0.01N/A+116.67%Beat-95.2%
    Jun 22
    Reported Aug 9
    		$0.08$0.06+33.33%Beat-61.9%
    Mar 22
    Reported May 5
    		$0.01$0.02-50.00%Miss-95.7%
    Dec 21
    Reported Mar 10
    		$0.13$0.15-13.33%Miss+1400.0%
    Sep 21
    Reported Nov 11
    		$0.21$0.15+40.00%Beat-
    Jun 21
    Reported Aug 10
    		$0.21$0.18+16.67%Beat-48.8%
    Mar 21
    Reported May 12
    		$0.23$0.22+4.55%Beat-
    Dec 20
    Reported Mar 2
    		$-0.01$0.00N/AMiss-
    Sep 20
    Reported Nov 10
    		$0.00$0.00N/ABeat-
    Dec 19
    Reported Mar 31
    		$0.41$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield0.00%
    Forward Annual Dividend$0.00
    Payout Ratio0.00%

    Key Metrics

    Valuation
    P/E Ratio4.01EV/EBITDAN/A
    Price/FCF1.01xFCF Yield98.72%
    Profitability
    Profit Margin31.10%Operating Margin31.20%
    ROE58.20%ROIC-6.20%
    Financial Health
    Debt/Equity0.67xInterest CoverageN/A
    Current Ratio2.08xQuick Ratio2.08x
    Trading Statistics
    Beta1.80Avg Volume759.33K
    52-Week High$11.6952-Week Low$5.59

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$5.94
    SMA 20$6.09
    SMA 50$6.88
    SMA 200$8.48
    EMA 10$5.93
    EMA 20$6.18
    EMA 50$6.88
    EMA 200$8.30

    MACD

    Line: -0.36Signal: -0.37Hist: 0.02

    ADX

    ADX: 39.0+DI: 10.0-DI: 32.4

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down96.0
    PSAR$5.93

    Bollinger Bands

    Upper Band$6.55
    Lower Band$5.63
    %B Position1513%(Upper)
    Band Width0.16

    RSI (14-Day)

    Neutral
    30.9

    Momentum Oscillators

    Stoch %K17.4
    Stoch %D9.7
    Williams %R-70.6
    ROC (10d)-2.9%
    Momentum-0.17
    CCI (20d)-125.0
    MFI (14d)21.9

    Volatility Measures

    ATR (14d)$0.22(3.8%)
    StdDev (20d)0.23
    Hist Vol32.4%(Moderate)

    Volume Flow

    VWAP$5.76
    OBV-7.7M
    AD Line-24.7M
    CMF (20d)-0.327

    Volume Metrics

    Avg Vol (20d)723.4K
    Vol Ratio0.7x
    VWMA (20d)$6.17

    Pivot Points

    R3$6.01
    R2$5.90
    R1$5.80
    Pivot Point$5.69
    S1$5.59
    S2$5.48
    S3$5.38

    Advanced Oscillators

    TSI-38.43
    Ultimate Osc37.5
    KST-153.81

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$145.17M$151.88M$159.25M$155.09M$142.44M$140.27M$135.72M$136.59M$126.30M$127.34M$132.92M$133.16M
    Cost of Revenue$16.29M$14.25M$14.65M$14.51M$17.75M$13.78M$14.46M$13.81M$16.23M$16.02M$15.49M$14.96M
    Gross Profit$128.88M$137.63M$144.60M$140.58M$124.69M$126.49M$121.27M$122.79M$110.07M$111.32M$117.43M$118.21M
    Operating Expenses$45.52M$37.68M$39.99M$41.60M$37.68M$34.54M$41.70M$42.27M$40.57M$41.93M$41.77M$45.33M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$18.34M$12.34M$9.91M$10.00M$8.71M$6.62M$9.41M$9.30M$8.66M$9.26M$7.49M$8.82M
    Operating Income$24.36M$35.36M$30.93M$48.45M$44.81M$42.49M$24.67M$35.09M$29.49M$5.28M$8.71M$15.58M
    Interest Income$813,000$1.12M$1.41M$1.36M$1.12M$1.08M$815,000$627,000$0$0$0$0
    Interest Expense$0$0$0$0$32.10M$20.45M$10.10M$738,000$897,000$0$5.74M$0
    Income Before Tax$25.46M$58.01M$39.81M$81.58M$12.70M$22.04M$14.57M$34.35M$28.59M$10.54M$2.98M$15.99M
    Income Tax Expense$9.84M$3.97M$1.36M$5.65M$1.22M$1.65M$600,000$2.30M$914,000$404,000$1.03M$463,000
    Net Income$15.61M$54.04M$38.44M$75.93M$11.48M$20.39M$13.97M$32.06M$27.68M$10.13M$1.94M$15.53M
    EBITDA$-32,117,000$-6,498,000$-33,906,000$31.69M$-28,466,000$-25,692,000$-38,363,000$-8,807,000$-8,341,000$-50,292,000$-60,517,000$-37,594,000
    EBIT$-34,356,000$-7,694,000$-35,286,000$29.68M$-30,614,000$-28,493,000$-41,139,000$-11,698,000$-11,429,000$-53,567,000$-63,981,000$-41,307,000
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    Be the first to write about OPFI

    News

    At $6.03 each, 4,185 OppFi (OPFI) shares were withheld for CFO Pamela D. Johnson’s taxes.

    OppFi Inc. CFO Pamela D. Johnson had 4,185 shares of Class A Common Stock withheld on October 1, 2026, to cover tax withholding obligations from vested restricted stock units. Each of the three withholding entries was...

    Stock Titan•10/6/26•Neutral

    Shares withheld at $6.03 cover stock-award taxes for OppFi (OPFI) risk chief Christopher J. McKay.

    OppFi Inc.'s Chief Risk & Analytics Officer, Christopher J. McKay, had 3,735 shares of Class A Common Stock withheld on October 1, 2026. These shares, valued at $6.03 each...

    Stock Titan•10/6/26•Neutral

    OppFi CEO Todd Schwartz Executes Share Withholding for RSU Tax Obligations

    OppFi CEO Todd Schwartz executed two share withholdings on October 1, 2026, totaling 7,140 Class A Common Stock shares...

    Kalkine Media•10/5/26•Neutral

    OppFi CFO Pamela D. Johnson Sells 8,650 Shares to Cover RSU Tax Obligations

    OppFi Inc. CFO Pamela D. Johnson sold 8,650 shares of Class A Common Stock on September 11, 2026, to cover tax obligations arising from vested restricted stock units. The shares were sold at a weighted average price...

    Kalkine Media•9/15/26•Neutral

    OppFi CEO Todd Schwartz Acquires 5,240 Class A Shares in Two Separate Deals

    OppFi CEO Todd Schwartz, through the TGS Revocable Trust, acquired a total of 5,240 Class A Common Stock shares in two separate transactions on September 11 and September 14...

    Kalkine Media•9/15/26•Somewhat-Bullish

    OPFI Valuation and Fair Value

    P/E
    4.0x
    Forward P/E
    3.1x
    P/FCF
    1.0x
    P/B
    0.9x
    See GNG's fair value

    OPFI Profitability: Margins, ROIC and FCF

    Gross margin
    90.2%
    Operating margin
    31.2%
    Net margin
    31.1%
    ROIC
    -6.2%
    ROE
    58.2%
    FCF margin
    63.0%
    FCF yield
    98.7%

    OPFI Competitors

    CompanyTicker
    American Coastal Insurance CorpACIC
    First Foundation Inc.FFWM
    Gemini Space Station, Inc. Class A Common StockGEMI
    Orange County Bancorp IncOBT
    Spring Valley Acquisition Corp. IIISVACU
    Greenlight Capital Re LtdGLRE
    Noah Holdings LtdNOAH
    Ponce Financial Group IncPDLB

    Sector: Financial Services

    OPFI Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    1
    Buy
    1
    Hold
    1
    Sell
    0
    Strong Sell
    0

    OPFI Bull Case vs Bear Case

    Bull case

    • OPFI converts 63.0% of revenue into free cash flow.
    • OPFI has a 31.1% net profit margin.
    • OPFI beat EPS estimates in 87.5% of its last 8 reported quarters.

    Bear case

    • OPFI's quarterly revenue changed -13.9% year over year.

    OPFI Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    31.0%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.35
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 4 down

    OPFI Dividend

    Forward yield
    0.0%
    Payout ratio
    0.0%

    Frequently Asked Questions About OPFI

    Does OPFI pay dividends?

    OppFi Inc (OPFI) has a dividend payment track record. See the OPFI dividend history page for its current payment status, TTM yield, and recorded payments.

    What is OPFI's P/E ratio?

    OppFi Inc has a price-to-earnings (P/E) ratio of 4.01.

    What is OPFI's market cap?

    OppFi Inc (OPFI) has a market capitalization of $495.91M with a current stock price of $5.78.

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