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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -39.8% |
| Our one-year growth estimate | diamond | 11.3% |
Growth built into the price is above our model estimate.
The price assumes 51.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 37 industry peers · Company calendar date is not available
OPFI — earnings miss
Dated 2026-08-10
Results of Operations and Financial Condition. On August 10, 2026, OppFi issued a press release announcing the financial results for the second quarter ended June 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. This information and the information contained in Exhibit 99.1 is furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the…
Why it matters: Updates on the $40 million share buyback show that management is confident. They care about their shareholders.
Supportive ifManagement reports large share buybacks under the new program.
Worry ifNo updates or a pause in share repurchases, suggesting a lack of confidence.
Why it matters: This figure is crucial to stay on track for the full-year revenue guidance of $650M-$675M.
Supportive ifQ2 2026 revenue reported at or above $162.5 million.
Worry ifQ2 2026 revenue reported below $162.5 million.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would impact OppFi's growth outlook.
Worry ifSector revenue growth falls below its median rate of 15%.
Less concerning ifSector revenue growth stays above its median rate of 15%.
Why it matters: An increase in charge-offs may show higher credit risk. This can affect profits.
Worry ifNet charge-offs as % of total revenue reported above 42.5%.
Less concerning ifNet charge-offs as % of total revenue reported below 42.5%.
Why it matters: The merger could enhance growth prospects and market position.
Supportive ifCompletion of the merger with BNCCORP as scheduled.
Worry ifDelays or complications in the merger process.
Why it matters: This acquisition is key for OppFi's growth and product expansion. It aims to combine OppFi's platform with BNC's national bank charter.
Supportive ifThe acquisition will close after getting all needed approvals by Q4 2026.
Worry ifThe acquisition is delayed past Q4 2026 or does not get the needed approvals.
Why it matters: Hitting this revenue target is important for investor trust. It shows management can handle market issues.
Supportive ifQ3 revenue reported within the $600M-$625M range.
Worry ifQ3 revenue falls below $600M.
Why it matters: Ongoing repurchases signal management's confidence in the stock's value. It can also support share price.
Supportive ifOppFi repurchases at least $10 million of shares in the next quarter.
Worry ifNo big share buybacks happen in the next quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$167 on $10,000 · ±1.7% | How much price usually moves either way. |
| Bad day | $462 loss on $10,000 · 4.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,616 loss on $10,000 · 46.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.