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 — supporting gate not met yet. Price is at or below entry $9.55 but weak momentum; below 200-day MA (death cross) still blocks BUY_NOW. 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 — supporting gate not met yet. Price is at or below entry $9.55 but weak momentum; below 200-day MA (death cross) still blocks BUY_NOW. Key risks: Weak growth; Negative momentum. Chart setup: No clear chart pattern; technical signals are mixed. V9 Gate blocked: Momentum 2.1 < 4.5 minimum; 50MA < 200MA with weak momentum (2.1) - hard block. Wait for improvement. Score 6.0/10, moderate confidence.
Passes 7/10 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear, sector concentration cap sector=financial services 7/10). Fails on weak momentum and death cross (50MA < 200MA). Suitability: aggressive.
Recent developments
updated 2026-07-25Recent Developments — OppFi Inc.
Latest news
- NEWS OppFi (OPFI) Receives a Buy from Northland Securities - The Globe and Mail — The Globe and Mail positive
- NEWS Price to book forward of OppFi Inc. – NYSE:OPFI - TradingView — TradingView neutral
- NEWS Northland Securities Maintains OppFi(OPFI.US) With Buy Rating, Maintains Target Price $16 - Moomoo — Moomoo positive
- NEWS OPFI|OppFi Inc|Price:9.060|Chg%:+0.200 - TradingKey — TradingKey neutral
- NEWS OppFi Inc (OPFI) Institutional Confidence - TradingKey — TradingKey neutral
Generated 2026-07-25T14:12:24Z.
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
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Revenue shrinking — -2.2% YoY. Growth thesis broken unless recovery story develops.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait — supporting gate not met yet. Price is at or below entry $9.55 but weak momentum; below 200-day MA (death cross) still blocks BUY_NOW. Key risks: Weak growth; Negative momentum. Chart setup: No clear chart pattern; technical signals are mixed. V9 Gate blocked: Momentum 2.1 < 4.5 minimum; 50MA < 200MA with weak momentum (2.1) - hard block. Wait for improvement. Target $11.90 (+31.9%), stop $8.88 (−1.6%), A.R:R 4.3:1. Score 6.0/10, moderate confidence.
Take-profit target: $11.90 (+31.9% upside). Target $11.90 (+31.9%), stop $8.88 (−1.6%), A.R:R 4.3:1. Stop-loss: $8.88.
Weak growth; Negative momentum; Below 200-MA, MA slope -2.9%/30d (confirmed downtrend).
OppFi Inc. trades at a P/E of 4.4 (forward 4.1). TrendMatrix value score: 9.1/10. Verdict: Buy (Wait for Entry).
9 analysts cover OPFI with a consensus score of 4.0/5. Average price target: $14.
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.