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OppFi Inc (OPFI)

Featured in Small-Cap Stocks

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 Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

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 Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-OPFI
$9.24
-1.2% Downside
Fair
$14
49.6% Upside
Undervalued
Great
—
—
—
0.0%
August 12, 2026
12.0x
10.5x
2.3x
794.2 M
—
21.8%
39.5%
10.3
9.7%
587.7%
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Valuation • Fair Value

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

Compare the primary fair value estimate for OppFi Inc (NYSE-OPFI) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$9.24

Estimated downside of 1.2% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$8.59

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$9.24

Comparable-company valuation reference.

Analyst Price Target

$14

Analysts imply upside of 49.6%.

How to read these valuation models

Use this section to compare the primary fair value estimate for OppFi Inc (NYSE-OPFI) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for OppFi Inc (NYSE-OPFI)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

340 M

Current operating scale indicator.

Revenue Forecast

378.7 M

Forward revenue estimate.

EBITDA

199.8 M

Current operating profitability reference.

EBITDA Forecast

238 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 financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

-4.45

No elevated caution signal from this screen.

Altman Z-Score

10.3

Relatively strong balance-sheet zone.

FCF / Net Income

587.7%

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 next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

August 12, 2026

Days to Earnings

22

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

9.7%

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
Buy

The 15-minute technical read for OppFi Inc (NYSE-OPFI) is currently Buy. 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
Neutral

The 1-hour 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: daily • daily
Neutral

The daily 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: weekly • weekly
Strong Buy

The weekly technical read for OppFi Inc (NYSE-OPFI) is currently Strong Buy. 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
Neutral

The monthly 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.

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

Quick answers about OppFi Inc (NYSE-OPFI) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$9.24
Estimated downside 1.2%
Valuation Rating
Near Fair Value
Price is close to fair value
Analyst Target
$14
Implied upside 49.6%
Financial Health
Great
Current financial-health read

The current fair value estimate for OppFi Inc (NYSE-OPFI) is $9.24. This implies an estimated downside of 1.2% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

The available analyst price target for OppFi Inc (NYSE-OPFI) is $14. The analyst target implies estimated upside of 49.6%.

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 August 12, 2026.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for OppFi Inc (NYSE-OPFI) is 12.0x. 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 794.2 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 21.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for OppFi Inc is 39.5%. Free float helps investors understand how much of the share base is available for public trading.

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