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OppFi Inc. (OPFI)

Financial Services | Credit Services | Chicago, United States | NYSE
5.77 USD +0.08 (1.406%) ⇧ (Oct. 15, 2026, 4 p.m. EDT)
Short-term:★★☆☆☆Long-term:★★★★☆Dividends:★★☆☆☆
Hot Take ↕ | Oct. 10, 2026, 3:48 a.m. EDT

The investment case here is defined by a stark divergence between the company's deteriorating operational reality and its massive speculative re-rating. Fundamentally, the business is struggling: revenue contracted by nearly 14% year-over-year, and despite a low P/E, the forward earnings estimate suggests a compression in profitability. The balance sheet is fragile, carrying debt that exceeds its cash reserves, which creates a significant overhang for a credit-services firm. However, the market has seemingly ignored these headwinds entirely. The price has surged nearly 100% over the last two years, driven by a narrative of recovery that appears disconnected from the actual financials. This disconnect is fueling an explosive options rally; traders are betting on a continuation of this trend with heavy call buying at distant strikes, while ignoring the risk of a mean reversion. The statistical forecast models are weak and leaning slightly negative, suggesting the recent pop may be due for a pullback. For a long-term holder, the valuation is precarious given the shrinking top line, but the sheer momentum and options flow suggest the market is currently pricing in a miracle turnaround that the numbers do not yet support.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.171458
AutoARIMA0.188439
AutoETS0.188441
AutoTheta0.192321

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 36%
H-stat 2.80
Ljung-Box p 0.000
Jarque-Bera p 0.089
Excess Kurtosis -0.86
Attribute Value
Sector Financial Services
Ex Dividend Date 2025-04-07
Last Dividend Date 2025-04-07
Debt to Equity Ratio 69.252
Revenue per Share 8.707
Market Cap 491,651,584
Trailing P/E 2.70
Forward P/E 3.01
Beta 1.80
Profit Margins 31.06%
Previous Name FG New America Acquisition Corp.
Website https://www.oppfi.com

As of Oct. 10, 2026, 3:48 a.m. EDT: Speculators are overwhelmingly bullish, positioning heavy call volume and open interest at strikes significantly above the current price (e.g., $12.50 and $15.00 for October 2026). Conversely, put activity is negligible, with almost no open interest in out-of-the-money puts for near-term expirations, indicating a lack of hedging demand and a strong speculative bias toward upside moves.

Dividend Data

Dividend History
Date Dividend Yield %
2025-04-08 0.25 3.156566
2024-04-18 0.12 4.166667
Additional Data
dividendYield 0.0
exDividendDate 2025-04-08
trailingAnnualDividendRate 0.0
trailingAnnualDividendYield 0.0
lastDividendValue 0.25
lastDividendDate 2025-04-08
dividendDate 2025-04-18

Info Dump

Attribute Value
52 Week Change -0.3795699
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 800
Audit Risk 5
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 587,300
Average Daily Volume3 Month 857,651
Average Volume 857,651
Average Volume10Days 587,300
Beta 1.799
Bid 5.75
Bid Size 600
Board Risk 10
Book Value 4.856
City Chicago
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 10
Country United States
Crypto Tradeable 0
Currency USD
Current Price 5.77
Current Ratio 12.92
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 5.82
Day Low 5.695
Debt To Equity 69.252
Display Name OppFi
Dividend Date 1,744,934,400
Dividend Yield 0.0
Earnings Call Timestamp End 1,786,395,600
Earnings Call Timestamp Start 1,786,395,600
Earnings Timestamp 1,786,392,000
Earnings Timestamp End 1,793,217,600
Earnings Timestamp Start 1,793,217,600
Ebitda Margins 0.0
Enterprise To Revenue 2.181
Enterprise Value 714,185,600
Eps Current Year 1.405
Eps Forward 1.9175
Eps Trailing Twelve Months 2.14
Esg Populated 0
Ex Dividend Date 1,744,070,400
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 6.876
Fifty Day Average Change -1.106
Fifty Day Average Change Percent -0.16084932
Fifty Two Week Change Percent -37.95699
Fifty Two Week High 11.69
Fifty Two Week High Change -5.9199996
Fifty Two Week High Change Percent -0.5064157
Fifty Two Week Low 5.59
Fifty Two Week Low Change 0.17999983
Fifty Two Week Low Change Percent 0.032200325
Fifty Two Week Range 5.59 - 11.69
Financial Currency USD
First Trade Date Milliseconds 1,605,882,600,000
Float Shares 33,445,941
Forward Eps 1.9175
Forward P E 3.0091264
Full Exchange Name NYSE
Full Time Employees 410
Fullday Change 0.1500001
Fullday Change Percent 2.5996552
Fullday Price 5.92
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 1.0
Gross Profits 327,479,008
Has Pre Post Market Data 1
Held Percent Insiders 0.60487
Held Percent Institutions 0.26986
Implied Shares Outstanding 85,208,247
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 491,651,584
Market State PRE
Max Age 86,400
Message Board Id finmb_541637724
Most Recent Quarter 1,782,777,600
Name Change Date 2,026-10-16
Net Income To Common 101,724,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 535,107,791
Number Of Analyst Opinions 4
Open 5.7
Operating Cashflow 404,760,000
Operating Margins 0.31206
Overall Risk 10
Payout Ratio 0.0
Phone 312 212 8079
Pre Market Change 0.1500001
Pre Market Change Percent 2.5996552
Pre Market Price 5.92
Pre Market Time 1,792,153,744
Prev Name FG New America Acquisition Corp.
Previous Close 5.69
Price Eps Current Year 4.1067615
Price Hint 2
Price To Book 1.1882207
Price To Sales Trailing12 Months 1.5013224
Profit Margins 0.31063
Quick Ratio 12.316
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change 0.0799999
Regular Market Change Percent 1.40597
Regular Market Day High 5.82
Regular Market Day Low 5.695
Regular Market Day Range 5.695 - 5.82
Regular Market Open 5.7
Regular Market Previous Close 5.69
Regular Market Price 5.77
Regular Market Time 1,792,094,402
Regular Market Volume 508,762
Return On Assets 0.25487
Return On Equity 0.5824
Revenue Growth -0.139
Revenue Per Share 8.707
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 6
Shares Outstanding 85,208,247
Shares Percent Shares Out 0.0507
Shares Short 4,315,928
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 3,223,902
Short Name OppFi Inc.
Short Percent Of Float 0.0507
Short Ratio 4.72
Source Interval 15
State IL
Symbol OPFI
Target High Price 16.0
Target Low Price 8.0
Target Mean Price 12.19
Target Median Price 12.38
Total Cash 64,347,000
Total Cash Per Share 0.755
Total Debt 286,880,992
Total Revenue 327,479,008
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 2.14
Trailing P E 2.6962616
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 8.4821
Two Hundred Day Average Change -2.7120996
Two Hundred Day Average Change Percent -0.3197439
Type Disp Equity
Volume 508,762
Website https://www.oppfi.com
Zip 60,601