OppFi (NYSE:OPFI) Stock Price Down 7.1% After Earnings Miss

Shares of OppFi Inc. (NYSE:OPFI) traded down 7.1% during mid-day trading on Monday following a dissappointing earnings announcement. The company traded as low as $8.75 and last traded at $8.7350. 420,760 shares traded hands during trading, a decline of 28% from the average session volume of 581,122 shares. The stock had previously closed at $9.40.

The company reported $0.33 earnings per share 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 33.50%. The company had revenue of $86.17 million during the quarter, compared to analysts’ expectations of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS.

Trending Headlines about OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: OppFi reported record second-quarter revenue of $145.2 million, up 1.9% year over year, while net income rose 36% to $15.6 million. The company said its strategic transformation remains on track. OppFi Reports Second Quarter 2026 Results
• Positive Sentiment: Citizens JMP maintained a “market outperform” rating, despite reducing its price target from $15 to $11. The revised target still implies substantial potential upside from current levels. Benzinga analyst update
• Positive Sentiment: Stonegate Capital Partners said the weaker second-quarter results affect the near-term earnings outlook but do not alter its longer-term investment thesis. Stonegate Capital Partners Updates Coverage
• Neutral Sentiment: Stephens upgraded OppFi to “hold,” signaling a more balanced view but not a bullish recommendation.
• Negative Sentiment: Second-quarter EPS was $0.33, below analyst expectations of approximately $0.44–$0.48; reported revenue also fell short of consensus estimates. EPS declined from $0.45 a year earlier. OppFi Q2 Earnings and Revenues Miss Estimates
• Negative Sentiment: OppFi lowered 2026 guidance to $1.34–$1.51 in EPS and $600–$625 million in revenue, below consensus forecasts of $1.79 EPS and $658.3 million in revenue. The downgrade reflects lower originations and weaker near-term earnings expectations.
• Negative Sentiment: Northland Securities reduced EPS estimates across multiple future periods, including Q3 2026 from $0.50 to $0.38, FY2027 from $2.41 to $2.15, and FY2028 from $2.91 to $2.65. Citizens JMP’s price-target reduction adds to the cautious analyst sentiment.

Analysts Set New Price Targets

Several equities analysts have weighed in on the company. Citizens Jmp reduced their price objective on OppFi from $15.00 to $11.00 and set a “market outperform” rating for the company in a report on Tuesday. Stephens lowered their target price on OppFi from $11.00 to $9.50 and set an “equal weight” rating on the stock in a research note on Tuesday. Zacks Research cut OppFi from a “strong-buy” rating to a “hold” rating in a research report on Tuesday, July 28th. Wall Street Zen downgraded OppFi from a “strong-buy” rating to a “buy” rating in a research note on Saturday. Finally, Citigroup reiterated a “market outperform” rating on shares of OppFi in a research note on Tuesday. Two analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the stock. According to MarketBeat, the company has a consensus rating of “Hold” and an average price target of $10.25.

Insider Buying and Selling

In other news, Director Christina M. Favilla sold 30,000 shares of the business’s stock in a transaction on Monday, June 8th. The shares were sold at an average price of $8.14, for a total transaction of $244,200.00. Following the completion of the transaction, the director directly owned 156,737 shares in the company, valued at $1,275,839.18. The trade was a 16.07% decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available at this link. 70.20% of the stock is currently owned by insiders.

Institutional Investors Weigh In On OppFi

Large investors have recently added to or reduced their stakes in the business. Great Valley Advisor Group Inc. boosted its holdings in shares of OppFi by 6.1% in the 2nd quarter. Great Valley Advisor Group Inc. now owns 24,895 shares of the company’s stock worth $348,000 after purchasing an additional 1,423 shares in the last quarter. Quantbot Technologies LP raised its holdings in shares of OppFi by 20.8% during the 2nd quarter. Quantbot Technologies LP now owns 8,663 shares of the company’s stock valued at $121,000 after buying an additional 1,494 shares in the last quarter. Zacks Investment Management raised its holdings in shares of OppFi by 5.2% during the 3rd quarter. Zacks Investment Management now owns 40,585 shares of the company’s stock valued at $460,000 after buying an additional 2,000 shares in the last quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. lifted its position in OppFi by 17.9% in the 2nd quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 13,282 shares of the company’s stock worth $186,000 after buying an additional 2,013 shares during the last quarter. Finally, R Squared Ltd lifted its position in OppFi by 10.5% in the 1st quarter. R Squared Ltd now owns 21,684 shares of the company’s stock worth $167,000 after buying an additional 2,053 shares during the last quarter. Institutional investors own 7.10% of the company’s stock.

OppFi Price Performance

The firm has a market cap of $561.61 million, a PE ratio of 3.48 and a beta of 1.77. The company has a 50 day simple moving average of $9.06 and a 200-day simple moving average of $8.86.

About OppFi

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.