OppFi Inc. (OPFI)Financial Services | Credit Services | Chicago, United States | NYSE
9.21 USD
-0.23
(-2.436%) ⇩
(July 13, 2026, 4 p.m.
EDT)
After hours: 9.03 -0.18 (-0.180%) ⇩ (July 13, 2026, 7:44 p.m. EDT) |
Hot Take ↕ | July 11, 2026, 5:19 a.m. EDT
The investment thesis here is a classic case of a high-quality business trading at a distressed price due to temporary market panic. Fundamentally, OppFi is exceptional: it boasts a 62% return on equity, nearly 45% operating margins, and a fortress balance sheet with a current ratio of 6.16. The company recently reported record revenue and income, proving its core business is expanding. However, the stock has suffered a brutal multi-year decline, dropping nearly 70% in 2022 and another 40% in 2023, leaving it at a fraction of its peak value. While the recent price action shows a strong recovery with a 241% gain in the latest annual period, the options market remains deeply bearish, with heavy speculative bets on further downside. This disconnect creates a compelling opportunity: the fundamentals are unambiguously excellent, yet the price action and derivatives flow suggest the market has not yet fully priced in the turnaround. The low valuation multiples (P/E under 5x) reflect the past trauma rather than current reality, making this a solid long-term buy despite the lingering short-term volatility. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.069975 |
| AutoETS | 0.073229 |
| AutoARIMA | 0.073230 |
| AutoTheta | 0.083507 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 40% |
| H-stat | 1.51 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.112 |
| Excess Kurtosis | -1.18 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2025-04-07 |
| Last Dividend Date | 2025-04-07 |
| Debt to Equity Ratio | 86.065 |
| Revenue per Share | 12.466 |
| Market Cap | 1,326,530,048 |
| Trailing P/E | 4.54 |
| Forward P/E | 4.20 |
| Beta | 1.77 |
| Profit Margins | 19.44% |
| Previous Name | FG New America Acquisition Corp. |
| Website | https://www.oppfi.com |
As of July 11, 2026, 5:19 a.m. EDT: Speculators are aggressively positioning for a downside gap, evidenced by massive out-of-the-money put volume and open interest at deep strikes ($2.50, $5.00) expiring in August and November. This 'insurance' buying contrasts sharply with the relatively light call activity, which clusters around the money and moderate upside targets ($12.50). The skew suggests the market fears a sharp correction despite the recent rally.
| Date | Dividend | Yield % |
|---|---|---|
| 2025-04-08 | 0.25 | 3.156566 |
| 2024-04-18 | 0.12 | 4.166667 |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.21136177 |
| Address1 | One Prudential Plaza |
| Address2 | Suite 3400 130 E. Randolph Street |
| All Time High | 17.728 |
| All Time Low | 1.7 |
| Ask | 0.0 |
| Ask Size | 1,200 |
| Audit Risk | 6 |
| Average Daily Volume10 Day | 862,770 |
| Average Daily Volume3 Month | 731,321 |
| Average Volume | 731,321 |
| Average Volume10Days | 862,770 |
| Beta | 1.773 |
| Bid | 0.0 |
| Bid Size | 700 |
| Board Risk | 10 |
| Book Value | 2.862 |
| City | Chicago |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 9.21 |
| Current Ratio | 6.161 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 9.51 |
| Day Low | 9.045 |
| Debt To Equity | 86.065 |
| 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 | 1,785,933,000 |
| Earnings Timestamp Start | 1,785,933,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 3.779 |
| Enterprise Value | 1,285,123,840 |
| Eps Current Year | 1.79 |
| Eps Forward | 2.195 |
| Eps Trailing Twelve Months | 2.03 |
| 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 | 8.8898 |
| Fifty Day Average Change | 0.32019997 |
| Fifty Day Average Change Percent | 0.036018804 |
| Fifty Two Week Change Percent | -21.136177 |
| Fifty Two Week High | 12.6 |
| Fifty Two Week High Change | -3.3900003 |
| Fifty Two Week High Change Percent | -0.26904765 |
| Fifty Two Week Low | 7.36 |
| Fifty Two Week Low Change | 1.8499999 |
| Fifty Two Week Low Change Percent | 0.2513587 |
| Fifty Two Week Range | 7.36 - 12.6 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,605,882,600,000 |
| Float Shares | 33,749,973 |
| Forward Eps | 2.195 |
| Forward P E | 4.1959 |
| Full Exchange Name | NYSE |
| Full Time Employees | 410 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 1.0 |
| Gross Profits | 340,040,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.60508 |
| Held Percent Institutions | 0.23523001 |
| Implied Shares Outstanding | 144,031,489 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 1 |
| 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 | 1,326,530,048 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_541637724 |
| Most Recent Quarter | 1,774,915,200 |
| Name Change Date | 2,026-07-13 |
| Net Income To Common | 66,102,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 806,112,261 |
| Number Of Analyst Opinions | 3 |
| Open | 9.405 |
| Operating Cashflow | 408,344,000 |
| Operating Margins | 0.44882 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 312 212 8079 |
| Post Market Change | -0.1800003 |
| Post Market Change Percent | -1.9544007 |
| Post Market Price | 9.03 |
| Post Market Time | 1,783,986,275 |
| Prev Name | FG New America Acquisition Corp. |
| Previous Close | 9.44 |
| Price Eps Current Year | 5.1452518 |
| Price Hint | 2 |
| Price To Book | 3.2180293 |
| Price To Sales Trailing12 Months | 3.9011 |
| Profit Margins | 0.19439 |
| Quick Ratio | 5.792 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.23 |
| Regular Market Change Percent | -2.43644 |
| Regular Market Day High | 9.51 |
| Regular Market Day Low | 9.045 |
| Regular Market Day Range | 9.045 - 9.51 |
| Regular Market Open | 9.405 |
| Regular Market Previous Close | 9.44 |
| Regular Market Price | 9.21 |
| Regular Market Time | 1,783,972,802 |
| Regular Market Volume | 655,057 |
| Return On Assets | 0.26454002 |
| Return On Equity | 0.6206 |
| Revenue Growth | -0.022 |
| Revenue Per Share | 12.466 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 6 |
| Shares Outstanding | 85,393,248 |
| Shares Percent Shares Out | 0.0321 |
| Shares Short | 2,739,256 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 2,309,199 |
| Short Name | OppFi Inc. |
| Short Percent Of Float | 0.0321 |
| Short Ratio | 3.13 |
| Source Interval | 15 |
| State | IL |
| Symbol | OPFI |
| Target High Price | 16.0 |
| Target Low Price | 11.0 |
| Target Mean Price | 14.0 |
| Target Median Price | 15.0 |
| Total Cash | 63,865,000 |
| Total Cash Per Share | 0.748 |
| Total Debt | 295,188,992 |
| Total Revenue | 340,040,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 2.03 |
| Trailing P E | 4.536946 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 9.4103 |
| Two Hundred Day Average Change | -0.20030022 |
| Two Hundred Day Average Change Percent | -0.02128521 |
| Type Disp | Equity |
| Volume | 655,057 |
| Website | https://www.oppfi.com |
| Zip | 60,601 |