TICKERNERD
Menu
OPFIOPFIFinancial Services · Credit Services

OPFI Stock Forecast: OppFi, Inc. Price Predictions for 2026-2027

Last close, 4 Nov 2026
$6.37
+9.08% on the day

The 3 Wall Street analysts covering OppFi, Inc. hold a median 12-month price target of $11 — +77.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 66 of 100 as at 3 Nov 2026 — in the upper half.

Market cap
$477.2M
Ticker Nerd rank
66/ 100
Median analyst target
$11
Analysts covering
3
Revenue$145.2M+1.9% y/y
Operating income$83.4M
Net income$15.6M
Free cash flow$87.4M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+12.9%
1M
+6.7%
YTD
−39.1%
1Y
−34.1%
From 52W high
−44.0%
From 52W low
+17.5%
$5
$11
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

OPFI stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores OppFi, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 3 Nov 2026
66/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Quality
99
Issuance
99
Value
95
Growth
88
Size
52
Volatility
39
Revisions
28
Accruals
16
Momentum
12

Quality (99): The business earns solid, repeatable profits on what it owns.

Momentum (12): The shares have been drifting down relative to others.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

Wall Street

OPFI stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on OPFI, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$4$6$8$10$12$14$16Jan 26Apr 26Jul 26Oct 26OPFIHigh $16Median $11Low $8

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says3 analysts
2 Buy1 Hold0 Sell
Low $8Median $11High $16

The green dot is the last close — the median target sits +77.5% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 1 moved their price target up and 2 moved it down.

DateFirmActionRatingTarget
26 Aug 2026CitizensReiteratesMarket Outperform$11
11 Aug 2026CitizensMaintainsMarket Outperform$15 → $11
11 Aug 2026CitizensMaintainsMarket Outperform—
11 Aug 2026Stephens & Co.MaintainsEqual-Weight$11 → $9.50
11 Aug 2026Stephens & Co.MaintainsEqual-Weight—
8 May 2026Stephens & Co.MaintainsEqual-Weight$9.00 → $11
8 May 2026Stephens & Co.MaintainsEqual-Weight—
17 Apr 2026CitizensMaintainsMarket Outperform—
8 May 2025JMP SecuritiesUpgradeMarket Outperform—
13 Dec 2024Northland Capital MarketsMaintainsOutperform—
8 Nov 2024Northland Capital MarketsMaintainsOutperform—
17 Apr 2024JMP SecuritiesReiteratesMarket Outperform—
12 Jan 2024JMP SecuritiesMaintainsMarket Outperform—
10 Nov 2023JMP SecuritiesMaintainsMarket Outperform—
11 Aug 2023NeedhamReiteratesBuy—
12 May 2023NeedhamMaintainsBuy—
28 Mar 2023JMP SecuritiesReiteratesMarket Outperform—
24 Mar 2023DA DavidsonMaintainsNeutral—
24 Mar 2023NeedhamMaintainsBuy—
11 Nov 2022JMP SecuritiesMaintainsMarket Outperform—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

OPFI appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
  • The AI build-out map, free: every AI company we track, part by part, and one part in full with each verdict.

Free. Unsubscribe any time.

The AI build-out map
PDF

  • AI cloud capacity

    MSFTAMZNGOOGLORCL

  • AI chips

    NVDAAVGOAMDMU

  • AI networking and serversIn full

    ANETDELLLITECRDO

  • Data centre power

    VRTCEGGEVVST

Performance

OPFI vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 4 Nov 2026, OppFi, Inc. returned −34.1% against +12.9% for the S&P 500, dividends included.

OPFI vs S&P 500, last 12 monthsTotal return, rebased to 100
6080100120Jan 26Apr 26Jul 26Oct 26OPFIS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

OPFI analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingThis fiscal year
EPS revision, 90 days
−23.2%
Analysts raising
0
Analysts cutting
4
Fundamentals

OppFi, Inc. (OPFI) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
2.6×

Cheaper than 68% of US stocks

Price / sales
1.5×

Cheaper than 59% of US stocks

Price / book
1.1×

Cheaper than 68% of US stocks

EV / EBITDA
1.8×

Cheaper than 57% of US stocks

Growth & margins
Revenue growth (YoY)
−11.0%

Higher than 15% of US stocks

Earnings growth (YoY)
−17.2%

Higher than 22% of US stocks

Gross margin
83.2%

Higher than 93% of US stocks

Operating margin
44.0%

Higher than 94% of US stocks

Net margin
29.8%

Higher than 89% of US stocks

Returns & dividend
Return on equity
39.6%

Higher than 91% of US stocks

Return on assets
18.2%

Higher than 98% of US stocks

Dividend yield
17.8%

Higher than 97% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

OppFi, Inc. (OPFI) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • OppFi, Inc. has a market value of $477.2M and an enterprise value of $723.3M.

  • Revenue in the twelve months to 30 June 2026: $611.4M. The latest quarter shrank 11.0% year on year.

  • Net income over the same four quarters: $184.0M, a 30.1% net margin.

  • Free cash flow in the twelve months to 30 June 2026: $384.9M.

  • OppFi, Inc. spent $26.7M on share buybacks and $33.5M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 85.3M.

  • Trailing P/E: 2.6×; forward P/E: 3.2× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 17.79%, paying out 0% of earnings.

  • OppFi, Inc. employs 410 people — $1.5M of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 3 Nov 2026

Data provided by Twelve Data

Peers

OPFI vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
OPFIOppFi, Inc.$477.2M66
OPRTOportun Financial Corp.$459.2M95
SWRDStewards, Inc.$665.5M9
GDOTGreen Dot Corp.$691.6M60
RMRegional Management Corp.$357.1M87
PRAAPRA Group, Inc.$764.5M86
WRLDWorld Acceptance Corp.$768.7M91

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own OppFi, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest OPFI news & analysis

OppFi to Participate in November 2026 Conferences

PRNewsWire · 4 Nov 2026neutral

OppFi announced that management will participate in three November 2026 conferences: KBW Fintech Ecosystem Conference on November 11–12, Citizens Financial Services Conference on November 17, and Stephens Annual Investment Conference on November 18. A webcast of the Stephens fireside chat is scheduled for 12:30 p.m. CT and will be archived on the company website for 90 days.

Why it matters — OPFI watchers can note the dates and access the scheduled webcast for management’s conference participation.

OppFi Provides Update on Pending BNC Acquisition

PRNewsWire · 3 Nov 2026neutral

OppFi said it has withdrawn its applications to the OCC, Federal Reserve and FDIC related to its proposed acquisition of BNCCORP and BNC National Bank. The company also reaffirmed its 2026 guidance.

Why it matters — The update changes the status of the proposed BNC acquisition, which OPFI watchers may track alongside the company’s reaffirmed 2026 guidance.

OppFi: The Selloff Has Gone Too Far

Seeking Alpha · 30 Oct 2026positive

Seeking Alpha argues OppFi remains a Buy despite regulatory and credit risks, citing its discounted valuation alongside positive free cash flow, net income, liquidity, and buybacks. The article notes management has cut 2026 guidance twice, to $600–$610 million in revenue and $1.34–$1.40 in adjusted EPS.

Why it matters — OPFI watchers may weigh the lowered guidance and stated risks against the financial strengths and low valuation multiples highlighted in the article.

OppFi Inc. (OPFI) Q3 2026 Earnings Call Transcript

Seeking Alpha · 28 Oct 2026neutral

OppFi held its Q3 2026 earnings call on October 28, 2026, with CEO Todd Schwartz and CFO Pamela Johnson participating. The provided excerpt contains the call opening and participant information only.

Why it matters — OPFI watchers can note the call took place, but the excerpt provides no financial results or management commentary to assess.

OppFi Q3 Earnings Call Highlights

MarketBeat · 28 Oct 2026negative

OppFi reported lower third-quarter revenue, originations and adjusted earnings while maintaining cautious underwriting amid pressure on its consumer customer base. Management said it is investing in products and technology and pursuing a bank acquisition to support growth in 2027 and beyond.

Why it matters — The results and planned investments outline the operating pressures and growth initiatives relevant to OPFI watchers.

FAQ

Frequently asked questions about OPFI stock

What is the OPFI stock price forecast for 2026-2027?

The 3 Wall Street analysts covering OppFi, Inc. have a median 12-month price target of $11, with estimates ranging from $7.5 to $16. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is OPFI stock a buy right now?

Of the 3 analysts covering OppFi, Inc., 2 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks OppFi, Inc. 66 out of 100 across roughly 4,600 US stocks as at 3 Nov 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank OPFI?

As at 3 Nov 2026, OppFi, Inc. ranks 66 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Quality (99 of 100).

Will OPFI stock go up?

No one can know that. What the data says: the median 12-month target from 3 analysts implies +77.5% from the last close, and Ticker Nerd's factor model ranks OppFi, Inc. 66 out of 100 as at 3 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the OPFI stock forecast for 2030?

No analyst covering OppFi, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for OPFI are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $7.5 to $16 over the next 12 months.

How has OPFI stock performed over the past year?

OppFi, Inc. returned -34.1% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.

What does OppFi, Inc. do?

OppFi Inc. is a technology-enabled specialty finance company that works with banks to provide digital credit products to U.S.

What is the latest news on OPFI?

The most recent item we track (PRNewsWire, 4 Nov 2026): "OppFi to Participate in November 2026 Conferences". OppFi announced that management will participate in three November 2026 conferences: KBW Fintech Ecosystem Conference on November 11–12, Citizens Financial Services Conference on November 17, and Stephens Annual Investment Conference on November 18. A webcast of the Stephens fireside chat is scheduled for 12:30 p.m. CT and will be archived on the company website for 90 days.

Company

About OppFi, Inc.

OppFi Inc. is a technology-enabled specialty finance company that works with banks to provide digital credit products to U.S. consumers. Its core offerings include installment loans through the OppLoans platform, along with additional credit solutions such as SalaryTap and the OppFi Card. The company focuses on serving everyday borrowers who may have limited access to traditional banking products, using online applications and data-driven underwriting to streamline credit decisions. OppFi also supports financial institutions by supplying the technology, servicing, and analytics needed to originate and manage these products. Headquartered in Chicago, Illinois, and founded in 2012, OppFi plays a role in the consumer lending market by broadening access to short-term and installment-based financing.

CEO Mr. Todd G. Schwartz · 410 employees · United States · https://www.oppfi.com