OPPFI INC CLASS A (OPFI)
Financials · Specialty consumer finance / fintech lending · NYSE
A fintech-powered lending platform partnering with community banks to provide fair, transparent installment credit and financial education to everyday Americans underserved by mainstream finance.
What OPPFI INC CLASS A does
OppFi is a technology-enabled financial services platform that facilitates credit access for everyday Americans who are often underserved by traditional banking institutions. The company provides a turn-key platform for community banks to digitally acquire, underwrite, and service installment loans, while also offering financial literacy resources to help consumers improve their financial health. Through its OppLoans platform, it utilizes proprietary machine learning algorithms to assess creditworthiness and provide transparent, installment-based credit products.
Themes: fintech, consumer lending, financial inclusion, AI-driven underwriting, alternative credit scoring
Fundamentals
- Price$6.98 as of 2026-08-21 close
- Market cap$609M as of 2026-08-21
- 1-year return-27.7% 2025-08-21 close $9.65 → 2026-08-21 close $6.98
- P/E9.19 as of 2026-08-24
- Net margin+10.9% as of 2026-08-24
- Gross margin+98.9% as of 2026-08-24
- ROE+134.3% as of 2026-08-24
- Debt / equity3.76 as of 2026-08-24
- Revenue growth (YoY)+12.9% as of 2026-08-24
- Beta1.81 as of 2026-08-24
- Last reported earnings2026-08-10 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.1%; at least 2 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How OPFI compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- gross margintop 10% 176 covered Financials peers, as of 2026-08-24
- return on equitytop 10% 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, OPFI's dividend was covered by reported results (earnings payout 24%, free-cash-flow payout 2%). This describes past coverage, not a forecast.
- Earnings payout24% dividends / net income
- Free-cash-flow payout2% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How OPPFI INC CLASS A looks technically
OPPFI INC CLASS A (OPFI) is trading 24.1% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 226 trading days ago — a "death cross", a bearish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 32, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It made a new 20-day low about 9 trading days ago. It is 43.9% below its highest point of the past year.
Trend
7
| Distance from the 200-day | it is trading 24.1% below its 200-day average, the long-term trend line — a long-term downtrend | -24.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $8.84 | $8.84 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $9.19 | $9.19 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 10 calendar days ago — the swings before that are what the structure reading is measured on | 10 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 226 trading days ago — a "death cross", a bearish long-term signal | 226 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 29, with sellers in control | 29.2 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 32, neither overbought (above 70) nor oversold (below 30) | 31.6 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($6.50 to $10.19) — its "stochastic" reading is 13 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 13.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative) | 10 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $12.45 | $12.45 |
|---|---|---|
| From the 52-week high | it is 43.9% below its 52-week high (its highest price of the past year) | -43.9% |
| Above the 52-week low | it is 7.4% above its 52-week low (its lowest price of the past year) | +7.4% |
| Below the 52-week high | it is 43.9% below its highest point of the past year | 43.9% |
| Since a 20-day breakout | it made a new 20-day low about 9 trading days ago | 9 sessions |
| Since a 55-day breakout | it made a new 55-day low about 9 trading days ago | 9 sessions |
| All-time high | its highest closing price on record is $17.73 (set on 2025-02-07) | $17.73 |
| Given back of the 52-week move | over the past year its closes ranged ($6.59 to $12.24), and it has recovered only a small part of its fall from last year’s high — 7% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $10.08 to $10.26. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 6.9% |
| From the all-time high | it is 60.6% below its all-time high | -60.6% |
| Nearest price level | it is trading 11.9% below a resistance level at $7.81 — a price it turned at twice since 2025-04-21, most recently on 2026-06-08. Since 2024-08-21 it has 1 such level below the current price and 13 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +11.9% |
| All-time low | its lowest closing price on record is $1.70 (set on 2023-03-17) | $1.70 |
| Above the all-time low | it is 310.6% above its all-time low | +310.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 99% of the past ~6 months) | 99th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.4383 between its high and its low — about 6.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.4383 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $5.84 and $10.96 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $5.84 – $8.40 – $10.96 |
| Typical daily range (% of price) | its price moves about 6.3% in a typical session — more volatile than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 6.3% |
| Stretch from the 200-day average | it is trading 5.1 daily ranges below its 200-day average price (24.1% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.1 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.81× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 0.8% since the prior reading | -0.8% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 1.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +1.1% |
|---|---|---|
| Open gap | it gapped 14.5% below the previous close 8 sessions ago and has not traded back through the level it left behind at 8.77 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -14.5% |
| Gap filled | a 2.2% gap up opened on 2026-08-14 has been "filled" 5 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 5 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 2 sessions in a row, a -2.79% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 2 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 28.5 percentage points (the stock lost 26.2% while the market gained 2.3%) | -28.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 18.5 percentage points (the stock lost 15.4% while the market gained 3.1%) | -18.5% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 35.0 percentage points (the stock lost 24.0% while the market gained 11.1%) | -35.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 48.1 percentage points (the stock lost 27.7% while the market gained 20.5%) | -48.1% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 25% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.9% of the share price, which is taken to mean a barrier that gives way easily. | -24.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 20% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $8.68 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | -19.6% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% above the average price paid since it last reported on 2026-08-10 (its 10-Q), so the typical buyer over that stretch is showing a gain. That average is $6.89 — a volume-weighted average of daily closes over 10 sessions, not a true tick-by-tick VWAP. | +1.3% |
Price levels it has turned at before
OPFI last closed at $6.98 on 2026-08-21. Since 2024-08-21 it has turned at 1 price below its last close and 13 above; the nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $7.81 | Resistance | 11.9% above the last close | turned there twice · 2025-04-21 to 2026-06-08 |
| $8.08 | Resistance | 15.8% above the last close | turned there twice · 2024-12-18 to 2026-05-22 |
| $8.51 | Resistance | 21.9% above the last close | turned there three times · 2024-11-29 to 2026-05-27 |
| $4.86 | Support | 30.4% below the last close | turned there twice · 2024-08-29 to 2024-11-04 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · lagging the market · Most volatile (6%+ typical daily range) · At the bottom of its 14-day range (stochastic below 20) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$12.57 range $9.50 – $16.00; median $12.38
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for OPFI
- Consensus EPS estimate$0.445 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Regulatory and legal challenges concerning lending practices, interest rate caps, and compliance with state-level financial laws.","Dependency on bank partners to originate loans and external financing sources to fund loan participation rights.","Exposure to macroeconomic volatility, including inflation and potential economic slowdowns affecting consumer credit performance."]
What changed in the latest 10-Q
AI-assisted comparison of OPFI's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Added 'RECENT EVENTS' section describing April 2026 merger agreement with BNCCORP, Inc. and bank holding company transaction expected to close Q4 2026 (filed 2026-05-07)
- Added details on April 2026 Corporate Simplification Agreement resulting in sole ownership of OppFi-LLC, termination of Tax Receivable Agreement, and expected $111 million tax benefits minus $40.8 million TRA termination payments (filed 2026-05-07)
- Removed:
- Removed 'RECENT EVENTS' section that was not present in the newer filing structure shown
- Removed reference to 'our Annual Report on Form 10-K, filed with the U.S. Securities and Exchange Commission on March 11, 2025 ("2024 Annual Report")' - updated to March 12, 2026 filing date (filed 2026-05-07)
- Reworded:
- Trustpilot review count increased from 'over 5,200 reviews' to 'over 5,500 reviews' (filed 2026-05-07)
- Average installment loan amount increased from 'approximately $1,950' to 'approximately $2,000' (filed 2026-05-07)
- Definition of loan origination changed from 'when the prospective borrower's application is approved' to 'when the contract is signed with the prospective borrower' (filed 2026-05-07)
- Net originations definition phrase changed from 'with respect to which we ultimately purchased a receivable from our bank partners' to 'with respect to which we ultimately purchased a receivable from bank partners' (filed 2026-05-07)
- HIGHLIGHTS section reporting period changed from 'three months ended September 30, 2025' to 'three months ended March 31, 2026' (filed 2026-05-07)
- HIGHLIGHTS section baseline period changed from 2024 comparisons to 2025 comparisons for March 31 periods (filed 2026-05-07)
- Notes:
- The newer filing shows Q1 2026 (March 31) results while the older filing shows Q3 2025 (September 30) results, making direct period-to-period comparisons less relevant for operational analysis
- The text in the newer filing appears truncated at 'higher average tax refunds that temporarily reduced loan demand for the curr', preventing full assessment of that section
Risk Factors
- Added:
- Statements regarding OppFi's proposed acquisition of BNCCORP, Inc. ('BNCC'), including the anticipated timing, structure, benefits and strategic rationale of such transactions
- Whether the Commissioner of the Department of Financial Protection and Innovation for the State of California will be successful on appeal or otherwise prevail in future proceedings against us or targeting our industry or business model
- Our ability to scale and grow joint venture or other strategic or minority investments, such as the Bitty business
- Removed:
- Whether we will be successful in obtaining declaratory relief against the Commissioner of the Department of Financial Protection and Innovation for the State of California
- Our ability to scale and grow the Bitty business
- Reworded:
- Reference to '2025 Annual Report' filed March 12, 2026 in newer filing vs. '2024 Annual Report' filed March 11, 2025 in older filing
- Notes:
- The two filings compare different periods (March 31, 2026 vs. September 30, 2025) and present different financial statements
- Risk factors section content shown is limited to the cautionary note; full Item 1A Risk Factors detail was not provided in either source text
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
3 open-market purchases and 3 open-market sales by insiders in the last 90 days.
- Last 30 days3 buys ($994680) · 0 sells — 1 buying insider
- Last 90 days3 buys ($994680) · 3 sells ($766927) — 1 buying, 3 selling insiders
- Last 180 days3 buys ($994680) · 4 sells ($866927) — 1 buying, 4 selling insiders
Activity heuristic: mixed (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-14. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about OPFI's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding OPFI as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 3,822,642
- Reported value $29,472,570
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
OPFI had 2,404,774 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for OPFI because the newest share count we hold predates that settlement by more than 180 days, and a buyback or issuance in between would move the base. The reported figures above are unaffected.
- Reported short interest (shares) 2,404,774
- Prior settlement (shares) 2,607,872
- Reported change -7.79%
- Days to cover (reported) 5.38
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Enova International (ENVA)
- Elevate Credit
- OneMain Holdings (OMF)
- Curo Group Holdings (CURO)
- SoFi Technologies (SOFI)
- Upstart Holdings (UPST)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does OPPFI INC CLASS A (OPFI) do?
OppFi is a technology-enabled financial services platform that facilitates credit access for everyday Americans who are often underserved by traditional banking institutions. The company provides a turn-key platform for community banks to digitally acquire, underwrite, and service installment loans, while also offering financial literacy resources to help consumers improve their financial health.
What sector is OPPFI INC CLASS A (OPFI) in?
OPPFI INC CLASS A (OPFI) is classified in the Financials sector. Its industry is Specialty consumer finance / fintech lending. It trades on NYSE.
Does OPFI pay a dividend?
Yes — OPPFI INC CLASS A (OPFI) pays a dividend, with an indicated yield of about 1.06% and at least 2 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are OPPFI INC CLASS A's (OPFI) competitors?
Notable peers of OPPFI INC CLASS A (OPFI) include Enova International, Elevate Credit, OneMain Holdings, Curo Group Holdings and SoFi Technologies. This peer set is informational only — not financial advice.
Is OPPFI INC CLASS A (OPFI) overbought or oversold right now?
OPPFI INC CLASS A (OPFI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 32, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on OPFI come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.