OppFi is a high-ROE, cheaply-valued lender with a perfect earnings beat streak, but declining revenue, overbought momentum, and a risk/reward ratio that falls just short of the engine's buy-now threshold temper the setup.
Thesis pillars
- High Roe Quality Business→Stable
- Cheap Forward Valuation→Stable
- Weak Revenue Growth→Stable
- +2 more pillars — see the Why tab for full reasoning
OppFi Inc. (OPFI) Stock Analysis
Temporary headwind edge
Financial Services · Credit Services
Wait for pullback to $5.68. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $5.82. Engine's entry $5.68 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Weak growth; Negative momentum.
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... Read more
Wait for pullback to $5.68. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $5.82. Engine's entry $5.68 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Weak growth; Negative momentum. Chart setup: No clear chart pattern; technical signals are mixed. Exceptional fundamentals but wait for better entry timing. Score 6.0/10, high confidence.
Passes 7/9 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 15d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: speculative.
Recent developments
updated 2026-10-13Recent Developments — OppFi Inc.
Latest news
- NEWS OppFi (NYSE:OPFI) Digital Finance Story Gains Momentum - Kalkine Media — Kalkine Media positive
- NEWS OppFi (NYSE:OPFI) Digital Finance Story Gains Momentum - kalkinemedia.com — kalkinemedia.com positive
- NEWS Why Did OppFi (NYSE:OPFI) Announce Its Next Earnings Call? - Kalkine Media — Kalkine Media neutral
- NEWS Why Did OppFi (NYSE:OPFI) Announce Its Next Earnings Call? - kalkinemedia.com — kalkinemedia.com neutral
- NEWS OppFi Inc (OPFI) Earnings Forecast: Future EPS & Revenue Growth Estimates - tradingkey.com — tradingkey.com neutral
Generated 2026-10-13T11:37:17Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
2 floor-breakers·2 ceiling hits
Revenue shrinking — -13.9% YoY. Growth thesis broken unless recovery story develops.static
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $5.68. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $5.82. Engine's entry $5.68 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Weak growth; Negative momentum. Chart setup: No clear chart pattern; technical signals are mixed. Exceptional fundamentals but wait for better entry timing. Target $10.36 (+78.0%), stop $5.34 (−9.0%), A.R:R 13.4:1. Score 6.0/10, high confidence.
Take-profit target: $10.36 (+78.0% upside). Target $10.36 (+78.0%), stop $5.34 (−9.0%), A.R:R 13.4:1. Stop-loss: $5.34.
Weak growth; Negative momentum; Below 200-MA, MA slope -5.7%/30d (confirmed downtrend).
OppFi Inc. trades at a P/E of 2.7 (forward 3.0). TrendMatrix value score: 9.6/10. Verdict: Buy (Wait for Entry).
9 analysts cover OPFI with a consensus score of 4.0/5. Average price target: $12.
What does OppFi Inc. do?OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United...
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.