Q1 EPS Estimates for OppFi Lowered by Northland Securities

OppFi Inc. (NYSE:OPFI) – Northland Securities cut their Q1 2026 earnings per share estimates for OppFi in a report issued on Wednesday, March 11th. Northland Securities analyst M. Grondahl now forecasts that the company will post earnings of $0.35 per share for the quarter, down from their prior forecast of $0.41. The consensus estimate for OppFi’s current full-year earnings is $0.86 per share. Northland Securities also issued estimates for OppFi’s Q2 2026 earnings at $0.41 EPS, Q3 2026 earnings at $0.49 EPS, Q4 2026 earnings at $0.53 EPS and FY2026 earnings at $1.78 EPS.

Other research analysts have also recently issued reports about the stock. Weiss Ratings reaffirmed a “sell (d+)” rating on shares of OppFi in a report on Monday, December 29th. Zacks Research downgraded OppFi from a “strong-buy” rating to a “hold” rating in a research report on Monday, December 29th. One investment analyst has rated the stock with a Buy rating, two have given a Hold rating and one has given a Sell rating to the stock. Based on data from MarketBeat, the stock currently has an average rating of “Hold” and an average price target of $14.00.

OppFi Stock Down 5.6%

Shares of NYSE OPFI opened at $8.69 on Thursday. The firm has a 50-day moving average price of $9.51 and a 200 day moving average price of $10.08. OppFi has a 52 week low of $7.54 and a 52 week high of $15.03. The stock has a market capitalization of $750.06 million, a price-to-earnings ratio of -11.58 and a beta of 1.73.

OppFi (NYSE:OPFI) last issued its earnings results on Wednesday, March 11th. The company reported $0.30 EPS for the quarter, topping the consensus estimate of $0.28 by $0.02. OppFi had a net margin of 0.68% and a return on equity of 55.59%. The company had revenue of $159.25 million for the quarter, compared to analyst estimates of $159.80 million. OppFi has set its FY 2026 guidance at 1.760-1.840 EPS.

Institutional Inflows and Outflows

Several institutional investors have recently modified their holdings of OPFI. Quarry LP grew its holdings in OppFi by 669.2% during the 3rd quarter. Quarry LP now owns 3,492 shares of the company’s stock valued at $40,000 after buying an additional 3,038 shares during the last quarter. Accredited Wealth Management LLC purchased a new stake in shares of OppFi in the third quarter valued at $49,000. Russell Investments Group Ltd. boosted its stake in shares of OppFi by 217.6% during the second quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company’s stock valued at $65,000 after acquiring an additional 3,207 shares during the last quarter. Police & Firemen s Retirement System of New Jersey increased its position in OppFi by 56.7% during the 2nd quarter. Police & Firemen s Retirement System of New Jersey now owns 5,384 shares of the company’s stock worth $75,000 after purchasing an additional 1,948 shares in the last quarter. Finally, Kemnay Advisory Services Inc. acquired a new position in OppFi in the 4th quarter valued at about $95,000. 7.10% of the stock is currently owned by institutional investors and hedge funds.

Key OppFi News

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: Record full-year results — OppFi reported all-time highs for revenue, net income and adjusted net income for 2025 (net income +74.4% YoY to $146.2M; adjusted EPS and other metrics also set records), signaling durable growth and improved profitability. OppFi Reports Record Annual Revenue, Net Income, and Adjusted Net Income
• Positive Sentiment: Raised FY‑2026 EPS guidance — Management set FY‑2026 EPS at $1.760–$1.840, above consensus (~$1.72), supporting upside to profitability expectations; revenue guidance ($650M–$675M) spans analyst estimates. This guidance beat on EPS is a key driver of constructive investor reaction. OppFi Eyes Gas Prices as Revenues Hit New High
• Positive Sentiment: Q4 EPS beat — OppFi reported Q4 EPS of $0.30 vs. consensus $0.28, continuing year-over-year EPS improvement and helping sentiment despite mixed top-line signals. OppFi Inc. (OPFI) Beats Q4 Earnings Estimates
• Neutral Sentiment: Q4 revenue essentially flat to estimates — Q4 revenue was $159.25M vs. consensus ~$159.80M (a very small miss), so investors focused more on margins and guidance than the minor top-line variance. MarketBeat Q4 summary and materials
• Neutral Sentiment: Earnings call transcripts and slides available — Transcripts (Seeking Alpha, The Motley Fool) and the slide deck offer management detail on originations, credit performance and marketing spend for investors doing deeper diligence. OppFi Q4 2025 Earnings Call Transcript
• Negative Sentiment: Macro/consumer risk flagged — Management highlighted sensitivity to higher gas prices and consumer affordability, which could pressure demand or increase credit losses if fuel costs remain elevated. That commentary introduces near‑term downside risk to growth and credit metrics. OppFi Eyes Gas Prices as Revenues Hit New High

OppFi Company Profile

OppFi (NYSE: OPFI) is a financial technology company that provides digital lending and credit solutions designed to meet the needs of near-prime consumers in the United States. Through its technology-driven platform, OppFi offers unsecured installment loans under the OppLoans brand, allowing borrowers to access credit online or via mobile devices. The company leverages proprietary data analytics and machine learning models to assess credit risk, streamline underwriting processes and deliver personalized loan products with transparent terms.

Headquartered in Chicago, Illinois, OppFi was founded in 2013 with a mission to increase financial inclusion for underserved and underbanked populations.