OppFi (NYSE:OPFI) Trading Up 7.6% Following Analyst Upgrade

OppFi Inc. (NYSE:OPFI)’s share price was up 7.6% during trading on Wednesday after Stephens upgraded the stock to a hold rating. The stock traded as high as $7.08 and last traded at $7.09. Approximately 231,412 shares were traded during mid-day trading, a decline of 64% from the average daily volume of 639,204 shares. The stock had previously closed at $6.59.

OPFI has been the subject of several other reports. Wall Street Zen downgraded OppFi from a “strong-buy” rating to a “buy” rating in a report on Saturday. Citigroup reissued a “market outperform” rating on shares of OppFi in a research report on Tuesday. Zacks Research cut shares of OppFi from a “strong-buy” rating to a “hold” rating in a report on Tuesday, July 28th. Citizens Jmp cut their price target on shares of OppFi from $15.00 to $11.00 and set a “market outperform” rating on the stock in a report on Tuesday. Finally, Weiss Ratings restated a “hold (c)” rating on shares of OppFi in a report on Friday. Two equities research analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the stock. According to data from MarketBeat, the company currently has a consensus rating of “Hold” and an average target price of $10.25.

Insider Buying and Selling at OppFi

In other news, Director Christina M. Favilla sold 30,000 shares of the business’s stock in a transaction that occurred 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 of the company’s stock, valued at $1,275,839.18. The trade was a 16.07% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. 70.20% of the stock is owned by insiders.

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. 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.

Hedge Funds Weigh In On OppFi

Several hedge funds and other institutional investors have recently modified their holdings of the company. Quarry LP boosted 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 worth $40,000 after buying an additional 3,038 shares during the last quarter. Russell Investments Group Ltd. increased its position in OppFi by 217.6% during the second quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company’s stock valued at $65,000 after acquiring an additional 3,207 shares during the last quarter. Moran Wealth Management LLC bought a new position in OppFi in the first quarter valued at about $84,000. Lazard Asset Management LLC bought a new position in OppFi in the first quarter valued at about $91,000. Finally, Kemnay Advisory Services Inc. purchased a new position in OppFi in the fourth quarter worth about $95,000. 7.10% of the stock is owned by institutional investors.

OppFi Price Performance

The firm has a 50-day simple moving average of $9.06 and a 200-day simple moving average of $8.86. The firm has a market capitalization of $608.94 million, a PE ratio of 3.77 and a beta of 1.77.

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

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.