OppFi, Inc. (OPFI)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$6.37+9.08%
Close 2026-11-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
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 | -44.1% |
| Our one-year growth estimate | diamond |
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.
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 2026-11-04.
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.
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.
| 5.5% |
Growth built into the price is above our model estimate.
The price assumes 49.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
OPFI — earnings miss
Dated 2026-10-27
Results of Operations and Financial Condition. On October 28, 2026, OppFi Inc. issued a press release announcing the financial results for the third quarter ended September 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 ame…
Why it matters: OppFi cut its revenue range in Q3. Meeting the new range would show it can still reach its floor.
Supportive ifFull-year 2026 revenue is at least $600 million.
Worry ifFull-year 2026 revenue is below $600 million.
Why it matters: OppFi launched this product in Q3, but gave no use or balance figures. Early results will show whether it adds business.
Supportive ifA future report gives Line of Credit use or balances, and both rise from the first reported quarter.
Worry ifA future report shows falling Line of Credit use or balances, or reports no use after launch.
Why it matters: Management tied the deal to a bank charter and a wider product range. A close would mark progress on that plan.
Supportive ifOppFi or BNCC files a closing notice for the deal, and OppFi confirms the bank deal is complete.
Worry ifA filing or company statement says the deal is ended, or the deal has not closed by its stated deadline.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$171 on $10,000 · ±1.7% | How much price usually moves either way. |
| Bad day | $495 loss on $10,000 · 5.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $5,237 loss on $10,000 · 52.4% | 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.