OppFi (NYSE:OPFI) Releases FY 2026 Earnings Guidance

OppFi (NYSE:OPFI) updated its FY 2026 earnings guidance on Monday morning. The company provided earnings per share guidance of 1.340-1.510 for the period, compared to the consensus EPS estimate of 1.790. The company issued revenue guidance of $600.0 million-$625.0 million, compared to the consensus revenue estimate of $658.3 million.

Analyst Ratings Changes

A number of equities research analysts recently weighed in on the stock. Zacks Research cut shares of OppFi from a “strong-buy” rating to a “hold” rating in a research note on Tuesday, July 28th. Weiss Ratings reiterated a “hold (c)” rating on shares of OppFi in a research report on Friday. Wall Street Zen cut shares of OppFi from a “strong-buy” rating to a “buy” rating in a research note on Saturday. Citigroup restated a “market outperform” rating on shares of OppFi in a research report on Tuesday. Finally, Stephens reduced their price target on shares of OppFi from $11.00 to $9.50 and set an “equal weight” rating for the company in a research note on Tuesday. Two investment analysts have rated the stock with a Buy rating and three have given a Hold rating to the stock. Based on data from MarketBeat, the company has a consensus rating of “Hold” and an average price target of $10.25.

OppFi Stock Down 25.0%

Shares of NYSE OPFI opened at $6.58 on Wednesday. OppFi has a 52-week low of $6.50 and a 52-week high of $12.45. The stock has a market capitalization of $561.61 million, a price-to-earnings ratio of 3.48 and a beta of 1.77. The stock’s fifty day simple moving average is $9.06 and its 200 day simple moving average is $8.86.

OppFi (NYSE:OPFI) last issued its quarterly earnings results on Monday, August 10th. The company reported $0.33 earnings per share for the quarter, missing analysts’ consensus estimates of $0.44 by ($0.11). OppFi had a return on equity of 33.50% and a net margin of 16.64%.The company had revenue of $86.17 million during the quarter, compared to analysts’ expectations of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS. As a group, analysts anticipate that OppFi will post 1.8 earnings per share for the current year.

Insiders Place Their Bets

In other OppFi news, Director Christina M. Favilla sold 30,000 shares of OppFi stock in a transaction that occurred on Monday, June 8th. The shares were sold at an average price of $8.14, for a total transaction of $244,200.00. Following the transaction, the director directly owned 156,737 shares in the company, valued at approximately $1,275,839.18. The trade was a 16.07% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Insiders own 70.20% of the company’s stock.

Trending Headlines about OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: OppFi reported record second-quarter revenue of $145.2 million, up 1.9% year over year, while net income rose 36% to $15.6 million. Management said its strategic transformation remains on track. OppFi Reports Second Quarter 2026 Results
• Positive Sentiment: Citizens JMP maintained a “market outperform” rating, although it reduced its price target from $15 to $11. The revised target still implies substantial potential upside from recent trading levels. Benzinga analyst update
• Neutral Sentiment: Stephens upgraded OppFi to “hold,” signaling a more balanced view after the recent selloff rather than a strong bullish recommendation. Zacks analyst update
• Negative Sentiment: OppFi earned $0.33 per share in the second quarter, below analyst expectations of roughly $0.44–$0.48 and down from $0.45 a year earlier. Reported revenue also fell well short of the higher analyst estimate cited in several reports, increasing concerns about operating momentum. OppFi Q2 earnings miss
• Negative Sentiment: Management lowered 2026 guidance to $1.34–$1.51 in EPS and $600–$625 million in revenue, below consensus estimates of $1.79 EPS and $658.3 million in revenue. Lower originations were identified as a key factor behind the weaker outlook.
• Negative Sentiment: Northland Securities reduced EPS forecasts across multiple periods, including Q3 2026 ($0.38 from $0.50), FY2027 ($2.15 from $2.41) and FY2028 ($2.65 from $2.91). These cuts suggest analysts expect the earnings impact to extend beyond the current quarter.

Institutional Inflows and Outflows

Institutional investors and hedge funds have recently modified their holdings of the business. Quarry LP boosted its position in OppFi by 669.2% during the 3rd quarter. Quarry LP now owns 3,492 shares of the company’s stock worth $40,000 after acquiring an additional 3,038 shares during the period. Russell Investments Group Ltd. lifted its position in shares of OppFi by 217.6% in 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 in the last quarter. Quantbot Technologies LP lifted its position in shares of OppFi by 20.8% in the second quarter. Quantbot Technologies LP now owns 8,663 shares of the company’s stock worth $121,000 after purchasing an additional 1,494 shares in the last quarter. Kemnay Advisory Services Inc. acquired a new stake in shares of OppFi during the fourth quarter worth approximately $95,000. Finally, Jain Global LLC acquired a new stake in shares of OppFi during the fourth quarter worth approximately $112,000. Hedge funds and other institutional investors own 7.10% of the company’s stock.

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.