OppFi, Inc. (OPFI)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$7.42+1.37%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
Broken: Primary pillar broken — Adjusted net income between $153M and $160M in 2026: FY26 adj net income guidance $115M-$130M vs $153M target.
OppFi aims for $650M to $675M revenue in 2026. It targets $153M to $160M adjusted net income. The company has strong profit margins and a solid buyback plan. Its tech helps serve underbanked customers well.
OppFi missed earnings recently and faces volatile management. Its buyback and M&A moves add risk. If revenue or profit growth slows, the stock could fall.
The price is about 15% below our fair value near $11. Analysts expect 19% revenue growth. We agree with these growth expectations.
Breaks if: Adjusted net income falls below $153M in FY26
Breaks if: Management turnover or failure to execute buybacks and M&A
Breaks if: Revenue falls below $650M or above $675M in FY26
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
This investment represents a turnaround opportunity with a focus on growth and integration. The current thesis state is mixed, as management has shown volatility while aiming for strategic goals.
The valuation suggests that OPFI is considered cheap compared to its peers. The market appears to have priced in a significant expectations gap, indicating that investors are cautious about future performance.
Fundamentals are likely to show modest growth as management works toward achieving its revised revenue guidance. However, the recent earnings miss raises some concerns about execution and potential risks in the near term.
The thesis hinges on OPFI's ability to successfully integrate its acquisition of BNCC and to meet its revenue targets. Additionally, the performance of sector bellwethers like Visa, Mastercard, and American Express will be crucial in determining the overall momentum in the Financials sector.
The most important moves since the prior daily snapshot.
Mixed, the news cuts both ways. CEO Todd Schwartz's stock purchase shows increased insider confidence in the company. However, the latest earnings miss raises concerns about achieving the revised revenue guidance of $600 million to $625 million.
as of 2026-09-04
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Over the next 1 to 3 years, OPFI's performance will depend on management's execution and external sector conditions. Not investment advice.