FY2026 EPS Estimates for OppFi Cut by Northland Securities

OppFi Inc. (NYSE:OPFI) – Stock analysts at Northland Securities dropped their FY2026 earnings per share estimates for OppFi in a research report issued to clients and investors on Monday, August 10th. Northland Securities analyst M. Grondahl now expects that the company will post earnings per share of $1.38 for the year, down from their prior forecast of $1.80. The consensus estimate for OppFi’s current full-year earnings is $1.43 per share. Northland Securities also issued estimates for OppFi’s Q4 2026 earnings at $0.38 EPS.

Several other equities analysts have also weighed in on OPFI. Zacks Research lowered shares of OppFi from a “strong-buy” rating to a “hold” rating in a report on Tuesday, July 28th. Citigroup reaffirmed a “market outperform” rating on shares of OppFi in a report on Tuesday. Stephens dropped their target price on shares of OppFi from $11.00 to $9.50 and set an “equal weight” rating for the company in a research report on Tuesday. Wall Street Zen downgraded OppFi from a “strong-buy” rating to a “buy” rating in a research note on Saturday, August 8th. Finally, Citizens Jmp reduced their price target on OppFi from $15.00 to $11.00 and set a “market outperform” rating on the stock in a research report on Tuesday. Two equities research analysts have rated the stock with a Buy rating and three have given a Hold rating to the company. According to data from MarketBeat.com, the stock presently has a consensus rating of “Hold” and a consensus price target of $10.25.

OppFi Price Performance

Shares of NYSE:OPFI opened at $6.85 on Thursday. OppFi has a one year low of $6.50 and a one year high of $12.45. The company has a 50 day moving average of $9.04 and a 200-day moving average of $8.84. The stock has a market cap of $583.69 million, a price-to-earnings ratio of 3.62 and a beta of 1.77.

OppFi (NYSE:OPFI) last released its earnings results on Monday, August 10th. The company reported $0.33 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.44 by ($0.11). OppFi had a net margin of 16.64% and a return on equity of 33.50%. The business had revenue of $86.17 million for the quarter, compared to analyst estimates of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS.

Insiders Place Their Bets

In other OppFi news, Director Christina M. Favilla sold 30,000 shares of the stock in a transaction dated Monday, June 8th. The stock was sold at an average price of $8.14, for a total value of $244,200.00. Following the completion of the sale, the director directly owned 156,737 shares in the company, valued at $1,275,839.18. This represents a 16.07% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available through the SEC website. Also, CEO Todd G. Schwartz purchased 60,000 shares of OppFi stock in a transaction dated Wednesday, August 12th. The stock was bought at an average price of $7.05 per share, with a total value of $423,000.00. Following the acquisition, the chief executive officer directly owned 493,733 shares of the company’s stock, valued at approximately $3,480,817.65. This trade represents a 13.83% increase in their ownership of the stock. The SEC filing for this purchase provides additional information. 70.20% of the stock is owned by corporate insiders.

Institutional Inflows and Outflows

Institutional investors and hedge funds have recently made changes to their positions in the stock. Quarry LP boosted its holdings in OppFi by 669.2% in the third quarter. Quarry LP now owns 3,492 shares of the company’s stock valued at $40,000 after acquiring an additional 3,038 shares during the last quarter. Russell Investments Group Ltd. raised its position 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 worth $65,000 after purchasing an additional 3,207 shares during the period. Moran Wealth Management LLC bought a new position in shares of OppFi in the first quarter valued at $84,000. Lazard Asset Management LLC acquired a new position in OppFi during the 1st quarter valued at about $91,000. Finally, Kemnay Advisory Services Inc. bought a new position in OppFi in the 4th quarter valued at $95,000. Institutional investors own 7.10% of the company’s stock.

Trending Headlines about OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: CEO Todd G. Schwartz purchased 60,000 shares for approximately $423,000 at an average price of $7.05. The purchase increased his position by 13.83%, a signal of management confidence after the recent selloff. SEC insider transaction filing
• Positive Sentiment: Stephens lowered its price target to $9.50 from $11.00 while maintaining an “equal weight” rating, and Citizens JMP cut its target to $11.00 from $15.00 while retaining a “market outperform” rating. Both targets remain materially above recent trading levels, indicating potential upside if earnings stabilize. Analyst price target coverage
• Neutral Sentiment: Stonegate Capital Partners said OppFi’s second-quarter results weakened the near-term earnings outlook but did not change its longer-term investment thesis. The firm also noted increased assets and reduced debt in the company’s quarterly filing. Stonegate Capital Partners coverage
• Negative Sentiment: Northland Securities sharply reduced its EPS forecasts, including Q3 2026 to $0.38 from $0.50, FY2026 to $1.38 from $1.80, FY2027 to $2.15 from $2.41, and FY2028 to $2.65 from $2.91. The revisions point to weaker expected profitability across multiple periods.
• Negative Sentiment: OppFi’s second-quarter earnings missed expectations, with EPS of $0.33 versus the $0.44 consensus and revenue of $86.17 million versus the $155.89 million estimate. Lower loan originations and disappointing 2026 guidance have pressured sentiment and remain the main risks to the stock. OppFi second-quarter earnings coverage

About OppFi

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.