Stocks · Financial Services · Financial - Credit Services
OppFi Inc. OPFI
$5.97 +0.34% Close, Oct 2, 2026 · NYSE · Market cap $509.8M
High qualityWeak trendInexpensive vs sectorHigh risk
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 223.3% in a year.
- Over the past year the stock returned -46.7%, behind the S&P 500 by 61.8 percentage points.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 38%
- FCF growth (TTM, YoY)Bottom 49%
- Revenue growth, 3-year CAGRBottom 30%
- Revenue growth accelerationBottom 33%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 1%
- Gross marginTop 1%
- Operating marginTop 23%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 3%
- Net debt / EBITDA (lower is better)Bottom 43%
- Interest coverTop 18%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 3%
- Free-cash-flow yieldTop 3%
- EBITDA / enterprise valueTop 10%
- Sales / enterprise valueTop 13%
- P/E vs own 5-year history (lower is better)Top 24%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 6%
- 6-month returnBottom 5%
- 1-year return vs S&P 500Bottom 5%
- Distance from 52-week highBottom 7%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 31%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetTop 7%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 6%
- Maximum drawdown, 3 yearsBottom 9%
- Beta vs S&P 500 (lower is better)Bottom 6%
- Net debt / EBITDA (lower is better)Bottom 43%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 12.9% | 10.2% | ↓ |
| Gross margin | 81.6% | 101.3% | ↑ |
| Operating margin | 26.5% | 33.3% | ↑ |
| FCF margin | 60.2% | 63.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 10.2% | 12.9% | ↓ | Top 38% |
| Gross margin | 101.3% | 81.6% | ↑ | Top 1% |
| Operating margin | 33.3% | 26.5% | ↑ | Top 23% |
| Net margin | 16.6% | -6.0% | ↑ | — |
| Free-cash-flow margin | 63.7% | 60.2% | ↑ | — |
| Return on invested capital | 87.1% | — | Top 1% | |
| Revenue growth, 3-year CAGR | 9.7% | — | Bottom 30% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -40.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -10.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.90×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 5.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 6.56%
- Net buyback yield (TTM)
- 5.19%
- Shareholder yield
- 11.75%
- Share count change, 1 year
- +223.3%
- Share count change, 3-year CAGR
- +75.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +8.9%
- Average 2-day reaction, last 8
- +6.4%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $10.25
- Target vs current price
- +71.7%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | -25.8% | -6.7% | -23.8% | -21.1% | — |
| May 7, 2026 | +6.1% | +1.4% | -9.1% | -13.3% | +1.7% |
| Mar 11, 2026 | +7.1% | -5.9% | -6.6% | -11.7% | -8.2% |
| Oct 29, 2025 | +48.4% | +3.8% | -3.2% | -3.8% | -1.1% |
| Aug 6, 2025 | +50.0% | +13.4% | +8.0% | +1.2% | +3.8% |
| May 7, 2025 | +46.2% | +11.8% | +28.1% | +39.1% | +7.2% |
| Mar 5, 2025 | +64.3% | +10.8% | -1.5% | -0.2% | +38.4% |
| Nov 7, 2024 | +57.1% | +22.4% | +24.8% | +35.9% | +187.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.33 | $0.45 | -25.8% | $145.2M |
| May 7, 2026 | $0.35 | $0.33 | +6.1% | $151.9M |
| Mar 11, 2026 | $0.30 | $0.28 | +7.1% | $159.3M |
| Oct 29, 2025 | $0.46 | $0.31 | +48.4% | $155.1M |
| Aug 6, 2025 | $0.45 | $0.30 | +50.0% | $142.4M |
| May 7, 2025 | $0.38 | $0.26 | +46.2% | $140.3M |
| Mar 5, 2025 | $0.23 | $0.14 | +64.3% | $135.7M |
| Nov 7, 2024 | $0.33 | $0.21 | +57.1% | $136.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 2.7× | 8.7× | 25th | Top 3% |
| P/E (forward) | 4.2× | — | — | — |
| EV / EBITDA | 6.1× | — | — | Top 10% |
| EV / Sales | 1.21× | — | — | Top 13% |
| Free-cash-flow yield | 76.44% | — | — | Top 3% |
| Earnings yield | 37.02% | — | — | Top 3% |
P/E over the past five years
Range 0.9× – 97.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -12.4%
- 200-day average slope (20 days)
- -3.5%
- Distance from 50-day average
- -20.7%
- Distance from 200-day average
- -31.5%
- RSI (14)
- 27.7
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 72.5%
- Volatility vs own 5-year history
- 58th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.60
- Correlation with S&P 500
- 0.38
- Current drawdown from 1-year high
- -47.5%
- Maximum drawdown, 3 years
- -64.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 10, 2021 | Mar 22, 2023 | -84.6% | 531 days | 456 days (Jan 15, 2025) |
| Feb 7, 2025 | Oct 1, 2026 | -64.9% | 413 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $509.8M
- P/E (TTM)
- 2.7
- EPS, diluted (TTM)
- $2.21
- Revenue (TTM)
- $611.4M
- 52-week range
- $5.91 – $11.69
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $350.6M | $452.9M | $508.9M | $526.0M | $597.0M |
| Gross profit | $261.4M | $357.7M | $401.5M | $420.8M | $567.7M |
| Operating income | $57.3M | -$6.3M | $46.4M | $94.5M | $193.2M |
| Net income | $25.6M | $7.1M | -$1.0M | $7.3M | $26.3M |
| EPS (diluted) | $0.48 | $0.05 | -$0.06 | $0.36 | $0.99 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $136.6M | $135.7M | $140.3M | $142.4M | $155.1M | $159.3M | $151.9M | $145.2M |
| Net income | $4.3M | -$5.6M | -$11.4M | -$20.8M | $41.6M | $16.8M | $28.4M | $14.8M |
| EPS (diluted) | $0.21 | -$0.28 | -$0.48 | -$0.78 | $0.77 | $0.19 | $1.07 | $0.18 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $167.3M | $243.3M | $296.1M | $323.8M | $401.3M |
| Capital expenditure | -$14.4M | -$13.3M | -$9.0M | -$13.0M | -$19.1M |
| Free cash flow | $153.0M | $230.0M | $287.2M | $310.8M | $382.2M |
| Dividends paid | -$51.0M | -$1.3M | -$10.2M | -$2.4M | -$64.9M |
| Net share buybacks | $0 | -$2.5M | $387,000 | -$3.6M | -$15.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $64.3M
- Total assets
- $770.7M
- Total liabilities
- $356.5M
- Total debt
- $293.6M
- Net debt
- $229.2M
- Shareholders’ equity
- $414.3M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Apr 8, 2025 | $0.25 | Apr 18, 2025 |
| Apr 18, 2024 | $0.12 | May 1, 2024 |
Short interest
- Shares sold short
- 3,494,465
- Days to cover
- 3.81
- Change vs previous report
- +8.4%
FINRA short interest, settlement date Sep 15, 2026.