Stephens Upgrades OppFi (NYSE:OPFI) to Hold

OppFi (NYSE:OPFI) was upgraded by equities researchers at Stephens to a “hold” rating in a report released on Tuesday,Zacks.com reports.

A number of other research analysts have also commented on the stock. Weiss Ratings reiterated a “hold (c)” rating on shares of OppFi in a research note on Friday. Citigroup restated a “market outperform” rating on shares of OppFi in a research report on Tuesday. Citizens Jmp decreased their price target on OppFi from $15.00 to $11.00 and set a “market outperform” rating for the company in a research note on Tuesday. Wall Street Zen lowered OppFi from a “strong-buy” rating to a “buy” rating in a research note on Saturday. Finally, Zacks Research cut OppFi from a “strong-buy” rating to a “hold” rating in a research report on Tuesday, July 28th. Two research analysts have rated the stock with a Buy rating and three have issued a Hold rating to the company’s stock. According to MarketBeat, the stock has a consensus rating of “Hold” and an average target price of $10.25.

OppFi Stock Down 25.0%

OPFI stock opened at $6.58 on Tuesday. The company has a market capitalization of $561.61 million, a P/E 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. OppFi has a fifty-two week low of $6.50 and a fifty-two week high of $12.45.

OppFi (NYSE:OPFI) last released its earnings results on Monday, August 10th. The company reported $0.33 EPS for the quarter, missing the consensus estimate of $0.44 by ($0.11). The company had revenue of $86.17 million for the quarter, compared to analyst estimates of $155.89 million. OppFi had a net margin of 16.64% and a return on equity of 33.50%. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS. Equities analysts anticipate that OppFi will post 1.8 EPS for the current year.

Insider Buying and Selling at OppFi

In other news, Director Christina M. Favilla sold 30,000 shares of the firm’s stock in a transaction dated 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 owned 156,737 shares in the company, valued at approximately $1,275,839.18. This trade represents a 16.07% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through this link. Company insiders own 70.20% of the company’s stock.

Institutional Trading of OppFi

A number of hedge funds and other institutional investors have recently made changes to their positions in the business. Quarry LP lifted its stake in OppFi by 669.2% during the third 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. grew its position in OppFi by 217.6% in the second quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company’s stock worth $65,000 after buying an additional 3,207 shares during the last quarter. Moran Wealth Management LLC acquired a new position in OppFi in the first quarter worth approximately $84,000. Lazard Asset Management LLC bought a new position in shares of OppFi in the first quarter valued at $91,000. Finally, Kemnay Advisory Services Inc. bought a new position in shares of OppFi in the fourth quarter valued at $95,000. 7.10% of the stock is currently owned by institutional investors.

OppFi News Roundup

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. Management said its strategic transformation and growth initiatives remain on track. OppFi Reports Second Quarter 2026 Results
• Positive Sentiment: Citizens JMP maintained a “market outperform” rating, although it reduced its price target from $15 to $11. The revised target still implies substantial potential upside from recent trading levels. Citizens JMP price target update
• Neutral Sentiment: Stonegate Capital Partners said the second-quarter results weaken OppFi’s near-term earnings outlook but do not invalidate its longer-term investment thesis. The firm’s updated coverage suggests investors may need to tolerate weaker near-term performance while the company executes its transformation. Stonegate Capital Partners coverage update
• Negative Sentiment: Adjusted earnings of $0.33 per share missed analyst estimates of approximately $0.44-$0.48, and earnings declined from $0.45 a year earlier. Reports also highlighted lower loan originations as a key factor weighing on quarterly performance. OppFi Q2 earnings miss
• Negative Sentiment: OppFi lowered its fiscal 2026 outlook to EPS of $1.34-$1.51, versus consensus of $1.79, and revenue of $600 million-$625 million, below the $658.3 million analyst estimate. The guidance reduction is the primary reason for the negative stock reaction and raises concerns about slower growth and profitability in the near term. OppFi lower originations and guidance

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.