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OppFi Inc (OPFI)

OppFi Inc. is a financial technology company listed on the NYSE under the ticker OPFI. The company operates a digital finance platform that works with banks in the United States to provide consumer financial products and services. Its main offering is installment loans delivered through the OppLoans platform, which is aimed at consumers who may not qualify for mainstream credit options. Founded in 2012 and headquartered in Chicago, Illinois, OppFi focuses on technology-enabled lending within the consumer finance segment.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-OPFI
$7.89
22.9% Upside
Undervalued
$13.31
107.4% Upside
Bargain
Great
0.0%
November 5, 2026
5.4x
1.3x
1.7x
547 M
34.3%
61.5%
10.3
0.0%
378.4%
Valuation • Fair Value

OppFi Inc (NYSE-OPFI) Fair Value by Valuation Model

Review the available estimates for OppFi Inc (NYSE-OPFI), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$7.89

Estimated upside of 22.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$13.25

Classic Ben Graham valuation formula reference.

Comps Fair Value

$7.89

Comparable-company valuation reference.

Analyst Price Target

$13.31

Analysts imply upside of 107.4%.

How to read these valuation models

Use the 5 available valuation references for OppFi Inc (NYSE-OPFI) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for OppFi Inc (NYSE-OPFI)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

327.5 M

Current operating scale indicator.

Revenue Forecast

350 M

Forward revenue estimate.

EBITDA

187.7 M

Current operating profitability reference.

EBITDA Forecast

203.3 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review OppFi Inc (NYSE-OPFI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for OppFi Inc (NYSE-OPFI)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Great

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

-3.85

No elevated caution signal from this screen.

Altman Z-Score

10.3

Relatively strong balance-sheet zone.

FCF / Net Income

378.4%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for OppFi Inc (NYSE-OPFI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for OppFi Inc (NYSE-OPFI)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 5, 2026

Days to Earnings

44

Dividend Yield

0.0%

No current dividend yield is indicated.

Payout Ratio

0.0%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for OppFi Inc (NYSE-OPFI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

OppFi Inc (NYSE-OPFI) Stock Forecast & Technical Outlook

Review OppFi Inc (NYSE-OPFI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for OppFi Inc (NYSE-OPFI) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for OppFi Inc (NYSE-OPFI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for OppFi Inc (NYSE-OPFI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Sell

The weekly technical read for OppFi Inc (NYSE-OPFI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Sell

The monthly technical read for OppFi Inc (NYSE-OPFI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for OppFi Inc (NYSE-OPFI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, OppFi Inc (NYSE-OPFI) has a Buy consensus, with 1 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 1
Sell 0
FAQ • Fast Investor Answers

OppFi Inc (NYSE-OPFI) Stock FAQ

Data-supported answers about OppFi Inc (NYSE-OPFI), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$7.89
Estimated upside 22.9%
Valuation Rating
Undervalued
Estimated upside of 22.9%
Analyst Target
$13.31
Implied upside 107.4%
Financial Health
Great
Current financial-health read

The current fair value estimate for OppFi Inc (NYSE-OPFI) is $7.89. This implies an estimated upside of 22.9% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 22.9% versus the current market price.

The available analyst price target for OppFi Inc (NYSE-OPFI) is $13.31. The analyst target implies estimated upside of 107.4%.

The current financial health read for OppFi Inc (NYSE-OPFI) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for OppFi Inc (NYSE-OPFI) is November 5, 2026.

The latest available data indicates no current dividend yield for OppFi Inc (NYSE-OPFI).

The current P/E ratio listed for OppFi Inc (NYSE-OPFI) is 5.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for OppFi Inc is 547 M.

The ticker symbol for OppFi Inc is NYSE-OPFI, and the stock is listed on NYSE.

OppFi Inc (NYSE-OPFI) is listed on NYSE.

The current debt-to-total-capital ratio listed for OppFi Inc is 34.3%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for OppFi Inc is 61.5%. Free float helps investors understand how much of the share base is available for public trading.

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