OppFi (NYSE:OPFI) Downgraded to Hold Rating by Wall Street Zen

Wall Street Zen lowered shares of OppFi (NYSE:OPFI) from a buy rating to a hold rating in a research note released on Sunday morning.

Other equities research analysts have also recently issued research reports about the stock. Citizens Jmp lowered their target price on shares of OppFi from $15.00 to $11.00 and set a “market outperform” rating on the stock in a research note on Tuesday, August 11th. Weiss Ratings reissued a “hold (c)” rating on shares of OppFi in a research note on Friday, August 7th. Citigroup reissued a “market outperform” rating on shares of OppFi in a research note on Tuesday, August 11th. Stephens lowered their price target on shares of OppFi from $11.00 to $9.50 and set an “equal weight” rating on the stock in a research report on Tuesday, August 11th. Finally, Zacks Research cut shares of OppFi from a “strong-buy” rating to a “hold” rating in a research note on Tuesday, July 28th. Two analysts have rated the stock with a Buy rating and three have issued a Hold rating to the company’s stock. Based on data from MarketBeat.com, OppFi has an average rating of “Hold” and an average target price of $10.25.

OppFi Trading Down 0.0%

OPFI stock opened at $7.16 on Friday. OppFi has a 12-month low of $6.50 and a 12-month high of $12.45. The stock has a market cap of $610.02 million, a price-to-earnings ratio of 3.79 and a beta of 1.77. The business’s 50-day moving average is $8.99 and its 200 day moving average is $8.80.

OppFi (NYSE:OPFI) last announced its earnings results on Monday, August 10th. The company reported $0.33 EPS for the quarter, missing analysts’ consensus estimates of $0.44 by ($0.11). OppFi had a net margin of 16.64% and a return on equity of 30.89%. The firm had revenue of $86.17 million for the quarter, compared to analyst estimates of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS. As a group, equities analysts forecast that OppFi will post 1.4 EPS for the current fiscal year.

Insider Transactions at OppFi

In related news, Director Christina M. Favilla sold 30,000 shares of the company’s stock in a transaction dated Monday, June 8th. The shares were sold at an average price of $8.14, for a total value of $244,200.00. Following the completion of the sale, the director owned 156,737 shares of the company’s stock, valued at approximately $1,275,839.18. This represents a 16.07% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which can be accessed through this link. Also, CEO Todd G. Schwartz acquired 20,000 shares of the business’s stock in a transaction that occurred on Friday, August 14th. The shares were purchased at an average price of $7.20 per share, with a total value of $144,000.00. Following the completion of the transaction, the chief executive officer owned 573,733 shares of the company’s stock, valued at $4,130,877.60. The trade was a 3.61% increase in their position. The disclosure for this purchase is available in the SEC filing. Corporate insiders own 70.20% of the company’s stock.

Institutional Trading of OppFi

Several hedge funds have recently made changes to their positions in OPFI. Quarry LP lifted its stake in shares of OppFi by 669.2% in the 3rd quarter. Quarry LP now owns 3,492 shares of the company’s stock valued at $40,000 after purchasing an additional 3,038 shares during the last quarter. Russell Investments Group Ltd. raised its holdings in OppFi by 217.6% in the 2nd quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company’s stock valued at $65,000 after buying an additional 3,207 shares during the period. Moran Wealth Management LLC purchased a new stake in OppFi in the 1st quarter valued at about $84,000. Lazard Asset Management LLC acquired a new position in OppFi in the first quarter valued at about $91,000. Finally, Kemnay Advisory Services Inc. acquired a new position in OppFi in the fourth quarter valued at about $95,000. Hedge funds and other institutional investors own 7.10% of the company’s stock.

OppFi News Roundup

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: CEO Todd G. Schwartz bought another 20,000 shares for approximately $144,000 at an average price of $7.20. Combined with his 60,000-share purchase earlier in the week, the CEO has acquired 80,000 shares recently—an indication of management confidence following the stock’s decline. SEC insider transaction filing
• Positive Sentiment: OppFi was reported to be trading higher after an analyst upgrade, providing a near-term catalyst and helping offset concerns about the company’s recent earnings performance. OppFi analyst upgrade article
• Positive Sentiment: A bullish investment view argues that OppFi trades at a steep discount to peers despite resilient revenue and free-cash-flow growth. The company’s tighter underwriting, improved recoveries and expense discipline could support portfolio quality and margins. The planned BNC National Bank acquisition is viewed as potentially transformative, with expected adjusted EPS growth and longer-term return targets. OppFi investment outlook
• Neutral Sentiment: Stephens reduced its price target to $9.50 from $11.00 and maintained an “equal weight” rating. The revised target remains above recent trading levels, but the cut reflects a more cautious earnings outlook. Stephens price target article
• Negative Sentiment: Northland Securities lowered its FY2026 EPS forecast to $1.38 from $1.80 and cut its Q4 estimate to $0.38 from $0.54, signaling weaker expected profitability.
• Negative Sentiment: OppFi’s latest quarterly results missed expectations: EPS was $0.33 versus the $0.44 consensus, while revenue was $86.17 million versus estimates of $155.89 million. Reduced loan originations and underwhelming 2026 guidance remain key risks.

OppFi Company Profile

OppFi (NYSE: OPFI) is a financial technology company that provides digital lending and credit solutions designed to meet the needs of near-prime consumers in the United States. Through its technology-driven platform, OppFi offers unsecured installment loans under the OppLoans brand, allowing borrowers to access credit online or via mobile devices. The company leverages proprietary data analytics and machine learning models to assess credit risk, streamline underwriting processes and deliver personalized loan products with transparent terms.

Headquartered in Chicago, Illinois, OppFi was founded in 2013 with a mission to increase financial inclusion for underserved and underbanked populations.