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OPFIOPFIFinancial Services · Credit Services

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

Last close, 14 Aug 2026
$7.16
+0.42% on the day

The 3 Wall Street analysts covering OppFi, Inc. hold a median 12-month price target of $11 — +53.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 72 of 100 as at 15 Aug 2026 — in the upper half. Here, the model and the Street point the same way.

Market cap
$610.1M
Ticker Nerd rank
72 / 100
Median analyst target
$11
Analysts covering
3
Total return, dividends reinvested
1W
−23.8%
1M
−22.2%
YTD
−31.5%
1Y
−32.3%
From 52W high
−41.5%
From 52W low
+8.6%
$7
$12
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 15 Aug 2026
72 / 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
Growth
98
Issuance
98
Value
93
Size
51
Volatility
40
Revisions
28
Momentum
21
Accruals
17

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

Accruals (17): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen 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
$6$8$10$12$14$16Oct 25Jan 26Apr 26Jul 26OPFIHigh $16Median $11Low $11

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

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

The green dot is the last close — the median target sits +53.6% from it.

Recent analyst actionsNewest first

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

DateFirmActionRatingTarget
11 Aug 2026CitizensMaintainsMarket Outperform$15 → $11
11 Aug 2026Stephens & Co.MaintainsEqual-Weight$11 → $9.50
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—
11 Nov 2022NeedhamMaintainsBuy—
11 Aug 2022DA DavidsonDowngradeNeutral—
10 Aug 2022NeedhamMaintainsBuy—

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.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. OPFI appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

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 movingNext fiscal year
EPS revision, 90 days
−0.6%
Analysts raising
0
Analysts cutting
1
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
2.4×

Cheaper than 69% of US stocks

Price / sales
1.9×

Cheaper than 55% of US stocks

Price / book
1.5×

Cheaper than 57% of US stocks

EV / EBITDA
2.1×

Cheaper than 57% of US stocks

Growth & margins
Revenue growth (YoY)
−13.9%

Higher than 13% of US stocks

Earnings growth (YoY)
8.3%

Higher than 46% of US stocks

Gross margin
85.0%

Higher than 94% of US stocks

Operating margin
31.2%

Higher than 88% of US stocks

Net margin
31.1%

Higher than 90% of US stocks

Returns & dividend
Return on equity
58.2%

Higher than 94% of US stocks

Return on assets
25.5%

Higher than 99% of US stocks

Dividend yield
14.0%

Higher than 93% of US dividend payers

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

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.$610.1M
72
FOAFinance of America Cos., Inc.$552.6M
24
GDOTGreen Dot Corp.$751.6M
55
PRAAPRA Group, Inc.$792.1M
84
NAVINavient Corp.$872.0M
68
WRLDWorld Acceptance Corp.$903.7M
72
LPROOpen Lending Corp.$371.1M
—

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's Guidance Cut Has Created Opportunity

Seeking Alpha · 13 Aug 2026positive

The article discusses OppFi trading at a steep valuation discount relative to sector peers despite resilient revenue and free cash flow growth, citing tightened underwriting that prioritized portfolio quality over short-term volume. It indicates the BNC National Bank acquisition is expected to be financially transformative, expanding the platform and lifting adjusted EPS in the first year.

Why it matters — OPFI watchers would care because the piece frames the stock's discount and the pending BNC National Bank acquisition as factors potentially shaping the company's growth and profitability outlook.

Why OppFi Stock Swooned by Almost 25% Today

The Motley Fool · 11 Aug 2026negative

OppFi's stock dropped nearly 25% after the company reported a decline in adjusted profitability despite a slight increase in revenue, with expenses rising due to a pending acquisition.

Why it matters — OPFI watchers would care because the sharp stock decline reflects investor concern over falling profitability and rising costs tied to the company's acquisition plans.

Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 2Q26

Newsfile Corp · 11 Aug 2026neutral

Stonegate Capital Partners updated its coverage on OppFi, Inc. following the company's second-quarter 2026 results. Stonegate noted that the 2Q26 results weaken the near-term earnings outlook but do not change the longer-term thesis.

Why it matters — An analyst update provides OPFI watchers with an assessment of how the latest quarterly results affect the company's near-term earnings outlook while affirming its longer-term investment thesis.

These Analysts Cut Their Forecasts On OppFi Following Weak Q2 Results

Benzinga · 11 Aug 2026negative

OppFi reported worse-than-expected Q2 financial results and lowered its FY26 guidance below estimates. Several analysts subsequently reduced their forecasts for the company.

Why it matters — The earnings miss and downward revision to annual guidance signal weaker performance ahead, which may affect investor expectations for OppFi's near-term outlook.

OppFi Inc. (OPFI) Q2 2026 Earnings Call Transcript

Seeking Alpha · 11 Aug 2026neutral

OppFi Inc. held its Q2 2026 earnings call, and a transcript of the call has been published on Seeking Alpha. The transcript covers the company's second-quarter 2026 financial results and management commentary.

Why it matters — OPFI watchers would care because the earnings call transcript provides direct insight into the company's latest quarterly performance and management's outlook.

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 $11 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. 72 out of 100 across roughly 4,600 US stocks as at 15 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank OPFI?

As at 15 Aug 2026, OppFi, Inc. ranks 72 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 +53.6% from the last close, and Ticker Nerd's factor model ranks OppFi, Inc. 72 out of 100 as at 15 Aug 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: $11 to $16 over the next 12 months.

How has OPFI stock performed over the past year?

OppFi, Inc. returned -32.3% over the 12 months to 14 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does OppFi, Inc. do?

OppFi Inc. is a financial technology company specializing in providing consumer lending solutions.

What is the latest news on OPFI?

The most recent item we track (Seeking Alpha, 13 Aug 2026): "OppFi's Guidance Cut Has Created Opportunity". The article discusses OppFi trading at a steep valuation discount relative to sector peers despite resilient revenue and free cash flow growth, citing tightened underwriting that prioritized portfolio quality over short-term volume. It indicates the BNC National Bank acquisition is expected to be financially transformative, expanding the platform and lifting adjusted EPS in the first year.

Company

About OppFi, Inc.

OppFi Inc. is a financial technology company specializing in providing consumer lending solutions. The primary function of OppFi is to offer accessible credit to individuals who may be underserved by traditional financial institutions. Through its platform, OppFi connects customers with lending services that ensure efficient, user-friendly borrowing experiences. The company focuses on responsible lending practices to help improve financial health and bridge the gap for those with limited access to conventional credit sources. OppFi primarily operates in the financial services sector, impacting industries related to consumer finance and technology. By leveraging advanced algorithms and data analytics, the company assesses creditworthiness beyond traditional credit scores, expanding lending opportunities for a broader audience. In the financial market, OppFi plays a crucial role by innovating how credit is issued and managed, supporting the dynamic needs of consumers in an increasingly digital economy. Established in 2015, OppFi has positioned itself as a key player in the fintech landscape, characterized by its commitment to inclusivity and technological advancement in lending.

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