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
QuarterlyIQ Insights · OPFI
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Finalize the $130 million acquisition of BNCCORP, Inc. and BNC National Bank to combine OppFi's digital platform with BNC's national bank charter for growth and product diversification.
Stated as a priority in 3 quarters including 2026-Q1 and 2026-Q2 and the April 2026 definitive agreement announcement. The acquisition valued at $130 million aims to combine OppFi's digital platform with BNC's national bank charter. The transaction is pending regulatory approvals and expected to close in Q4 2026. Management consistently emphasizes this strategic growth initiative, and the trajectory is delivering as the deal progresses toward closing.
“We advance our pending acquisition of BNCCORP, Inc. and BNC National Bank... building a more diversified, technology-enabled financial platform.”
“OppFi will file registration statement for proposed transaction with BNCCORP, Inc.”
Deliver full-year 2026 total revenue between $600 million and $625 million, reflecting updated guidance.
Stated as a priority in 3 quarters including 2026-Q1 and 2026-Q2. Revenue guidance was initially $650M-$675M but was reduced to $600M-$625M in 2026-Q2. Actual quarterly revenue grew modestly from $140.3M in 2025-Q1 to $145.2M in 2026-Q2. The trajectory shows modest growth but the lowered guidance indicates management is adjusting expectations downward, reflecting cautious delivery on revenue growth.
“Full year 2026 revenue guidance updated to $600 million to $625 million.”
“Full year 2026 revenue guidance was $650 million to $675 million.”
Implement a $40 million share repurchase program approved in May 2026 to return capital to shareholders.
Stated as a priority in 2 quarters, 2026-Q1 and 2026-Q2. The Board approved a $40 million share repurchase program in May 2026, replacing the prior program. The company repurchased $11.2 million of shares in the first half of 2026. Management is delivering on this capital allocation priority with active repurchases underway.
“Initiated repurchases under $40 million share repurchase program; $11.2 million repurchased in first half 2026.”
“Board approved new $40 million share repurchase program replacing prior program.”
Simplify OppFi's corporate structure by collapsing the Up-C structure into a traditional C-Corp to achieve tax efficiency and streamline reporting.
Stated as a priority in 2 disclosures including the April 2026 definitive agreement and 2026-Q1 press release. The company completed the simplification of its corporate structure by collapsing the Up-C into a traditional C-Corp model to improve tax efficiency and reporting. Management has delivered this structural change as planned.
“Corporate simplification to collapse Up-C structure into C-Corp completed after quarter end.”
Deliver total revenue within the guided range of $650 million to $675 million for fiscal year 2026.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Over the trailing year it converted 19.50x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
21 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.