OppFi Inc. (OPFI)Financial Services | Credit Services | Chicago, United States | NYSE
8.58 USD
-0.26
(-2.888%) ⇩
(April 21, 2026, 3:11 p.m.
EDT)
Short-term: ★★★☆☆ | Long-term: ★★★★☆ | Dividends: ★★☆☆☆ |
Hot Take | April 19, 2026, 12:04 a.m. EDT
OPFI is a distress-driven compounding machine demanding a strategic pivot. Fundamentally, the book value of $2.14 vs a price of $8.50 ($RTB < 4x) combined with a 139% yearly gain and record earnings underscores massive efficiency. The primary risk is liquidity and the opacity of $BTRS vs equity exposure, yet momentum suggests a trend reversal away from 52-week lows. Hold through the earnings uncertainty, but watch the options flow: current market protection at deep OTM lows supports a bullish bias, likely forming as a long-term hold unless the specific Perfect Wallet/BTRS exposure turns consensus negative. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.123585 |
| AutoETS | 0.124628 |
| MSTL | 0.127869 |
| AutoTheta | 0.178400 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 44% |
| H-stat | 10.15 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.258 |
| Excess Kurtosis | -1.07 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2025-04-07 |
| Last Dividend Date | 2025-04-07 |
| Debt to Equity Ratio | 107.738 |
| Revenue per Share | 12.896 |
| Market Cap | 740,558,848 |
| Trailing P/E | 8.66 |
| Forward P/E | 4.22 |
| Beta | 1.80 |
| Profit Margins | 7.70% |
| Previous Name | FG New America Acquisition Corp. |
| Website | https://www.oppfi.com |
As of April 19, 2026, 12:04 a.m. EDT: Options flow indicates significant defensive positioning in longer-dated OTM puts (Aug 2026 deep OTM strikes), suggesting a hedge against a potential crash or downside gamma exposure. Conversely, call activity is concentrated in ATM/OTM strikes (Jul 2026 @ $12.50, Jan 2027 @ $12.50/$20.00), with minimal ITM put vs call volume in near-term expirations. The skew suggests speculators are cautiously optimistic about a recovery to $10+, but unwilling to be short without significant insurance, leading to a non-directional but high-interest buffer scenario.
| Date | Dividend | Yield % |
|---|---|---|
| 2025-04-08 | 0.25 | 3.156566 |
| 2024-04-18 | 0.12 | 4.298356 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.0462085 |
| Address1 | One Prudential Plaza |
| Address2 | Suite 3400 130 E. Randolph Street |
| All Time High | 17.728 |
| All Time Low | 1.7 |
| Ask | 8.61 |
| Ask Size | 400 |
| Audit Risk | 7 |
| Average Analyst Rating | 2.0 - Buy |
| Average Daily Volume10 Day | 344,690 |
| Average Daily Volume3 Month | 461,190 |
| Average Volume | 461,190 |
| Average Volume10Days | 344,690 |
| Beta | 1.801 |
| Bid | 8.6 |
| Bid Size | 500 |
| Board Risk | 10 |
| Book Value | 2.144 |
| City | Chicago |
| Compensation As Of Epoch Date | 1,735,603,200 |
| Compensation Risk | 7 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 8.575 |
| Current Ratio | 5.706 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 8.95 |
| Day Low | 8.57 |
| Debt To Equity | 107.738 |
| Display Name | OppFi |
| Dividend Date | 1,744,934,400 |
| Earnings Call Timestamp End | 1,778,158,800 |
| Earnings Call Timestamp Start | 1,778,158,800 |
| Earnings Timestamp | 1,778,157,000 |
| Earnings Timestamp End | 1,778,157,000 |
| Earnings Timestamp Start | 1,778,157,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 2.244 |
| Enterprise Value | 767,153,280 |
| Eps Current Year | 1.795 |
| Eps Forward | 2.03 |
| Eps Trailing Twelve Months | 0.99 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,744,070,400 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 8.5626 |
| Fifty Day Average Change | 0.012399673 |
| Fifty Day Average Change Percent | 0.0014481201 |
| Fifty Two Week Change Percent | 4.62085 |
| Fifty Two Week High | 15.03 |
| Fifty Two Week High Change | -6.455 |
| Fifty Two Week High Change Percent | -0.42947438 |
| Fifty Two Week Low | 7.36 |
| Fifty Two Week Low Change | 1.2149997 |
| Fifty Two Week Low Change Percent | 0.16508147 |
| Fifty Two Week Range | 7.36 - 15.03 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,605,882,600,000 |
| Float Shares | 22,637,405 |
| Forward Eps | 2.03 |
| Forward P E | 4.224138 |
| Full Exchange Name | NYSE |
| Full Time Employees | 410 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 1.0 |
| Gross Profits | 341,815,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.06766 |
| Held Percent Institutions | 0.84109 |
| Implied Shares Outstanding | 86,362,551 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,744,070,400 |
| Last Dividend Value | 0.25 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois. |
| Long Name | OppFi Inc. |
| Market | us_market |
| Market Cap | 740,558,848 |
| Market State | REGULAR |
| Max Age | 86,400 |
| Message Board Id | finmb_541637724 |
| Most Recent Quarter | 1,767,139,200 |
| Name Change Date | 2,026-04-20 |
| Net Income To Common | 26,329,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 233,435,266 |
| Number Of Analyst Opinions | 3 |
| Open | 8.89 |
| Operating Cashflow | 401,304,992 |
| Operating Margins | 0.40592998 |
| Overall Risk | 9 |
| Payout Ratio | 0.0 |
| Phone | 312 212 8079 |
| Prev Name | FG New America Acquisition Corp. |
| Previous Close | 8.83 |
| Price Eps Current Year | 4.7771587 |
| Price Hint | 2 |
| Price To Book | 3.9995334 |
| Price To Sales Trailing12 Months | 2.1665487 |
| Profit Margins | 0.07703 |
| Quick Ratio | 5.315 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.0 |
| Region | US |
| Regular Market Change | -0.2550001 |
| Regular Market Change Percent | -2.8878834 |
| Regular Market Day High | 8.95 |
| Regular Market Day Low | 8.57 |
| Regular Market Day Range | 8.57 - 8.95 |
| Regular Market Open | 8.89 |
| Regular Market Previous Close | 8.83 |
| Regular Market Price | 8.575 |
| Regular Market Time | 1,776,798,700 |
| Regular Market Volume | 202,455 |
| Return On Assets | 0.20963 |
| Return On Equity | 0.53857 |
| Revenue Growth | 0.092 |
| Revenue Per Share | 12.896 |
| Sand P52 Week Change | 0.34445214 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 6 |
| Shares Outstanding | 26,436,610 |
| Shares Percent Shares Out | 0.11350001 |
| Shares Short | 3,000,710 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 3,836,358 |
| Short Name | OppFi Inc. |
| Short Percent Of Float | 0.1144 |
| Short Ratio | 6.0 |
| Source Interval | 15 |
| State | IL |
| Symbol | OPFI |
| Target High Price | 16.0 |
| Target Low Price | 9.0 |
| Target Mean Price | 13.33333 |
| Target Median Price | 15.0 |
| Total Cash | 49,451,000 |
| Total Cash Per Share | 1.871 |
| Total Debt | 332,776,992 |
| Total Revenue | 341,815,008 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.99 |
| Trailing P E | 8.661616 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 10.03045 |
| Two Hundred Day Average Change | -1.45545 |
| Two Hundred Day Average Change Percent | -0.14510317 |
| Type Disp | Equity |
| Volume | 202,455 |
| Website | https://www.oppfi.com |
| Zip | 60,601 |