OppFi (OPFI) Q2 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Reported EPS
- $0.33
- Estimate
- $0.45
- Surprise
- -25.8%
- Revenue (period 2026-06-30)
- $86.2M
- Score today
- 6.1/10
Revenue source: xbrl.
How the report landed
OppFi (OPFI) missed the $0.45 estimate with diluted EPS of $0.33 — a large 25.8% shortfall.
Where TrendMatrix's rating stands now
TrendMatrix currently rates OPFI Buy (Wait) at 6.1/10; no pre/post engine snapshot brackets this report.
3 of the last 4 quarters beat the estimate; this quarter's -25.8% surprise compares with a +7.7% four-quarter average. Next scheduled report: 2026-10-28.
What supports the rating
- V7 flight-to-quality bonus: +0.5 (Q=8.8 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Weak growth
- Below 200-MA, MA slope -3.6%/30d (confirmed downtrend)
- Momentum score 4.3/10 — below 4.5 minimum
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $7.03
- Entry target
- $7.48
- Price target
- $11.32
- Stop
- $6.88
- Upside to target
- +61.0%
- Reward-to-risk
- 7.1:1
Forward estimates sit below the trailing run-rate (3.7× forward vs 2.6× trailing) — consensus expects earnings to decline from here.
Risk check: trading volume is running 1.6× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-09-17 — shown for context, not personalized investment advice.
OPFI at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $615.2M
- P/E (fwd)
- 3.7
- P/E (ttm)
- 2.6
- 52-week range
- $6.50–$12.45
- Off 52-week high
- 43.5%
- RSI (14)
- 49
- Volume vs avg
- 1.63×
- Score today
- 6.1/10