OppFi

OPFI · NYSE

$5.63+$0.07 (+1.26%)TodayMarket closed · Oct 20, 7:57 PM ET

Prev close $5.56

OPFI analyst rating

BuyConsensus of 3 analysts over the last 12 months. 67% rate it a buy.

Strong buy0
Buy2
Hold1
Underperform0
Sell0

12-month price target · 6 analysts

Average $12.82 (+127.6% upside)

Low: $9.60
Now: $5.63
High: $16.80

Upgrades and downgrades

The latest rating actions, newest first

OPFI analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Citizens	Aug 26, 2026	Maintains	Market Outperform	$11.00	56%
Citizens	Aug 11, 2026	Maintains	Market Outperform	$15.00 → $11.00	56%
Stephens & Co.	Aug 11, 2026	Maintains	Equal-Weight	$11.00 → $9.50	59%
Stephens & Co.	May 8, 2026	Maintains	Equal-Weight	$9.00 → $11.00	59%
Citizens	Apr 17, 2026	Maintains	Market Outperform	$16.00 → $15.00	59%

The case for and against

Updated Oct 15, 2026

Bull case

OppFi is viewed favorably because the pending BNCCorp acquisition should outweigh near-term pressure from competitive encroachment by earned wage access and other high-cost line-of-credit products. The deal, announced on 4/29 for $131M cash/stock and expected to close in 4Q26, would make OppFi a nationally chartered BHC and lower funding costs through deposits, supporting geographic and product expansion. Management reiterated 25% accretion to adjusted EPS in year one (2027), 40% in year two (2028), and 50% in year three (2029), while also guiding toward run-rate EPS of about $3 by the end of 2028.

Bear case

OppFi is facing a deteriorating fundamental setup as originations fell 7% in 1Q and more than 9% in 2Q, while management cut 2026 guidance to $600M-$625M of revenue and $1.34-$1.51 of adjusted EPS after missing expectations. Competitive pressure is eroding its core installment product as borrowers favor lower monthly payments from EWA, longer-duration loans, and lines of credit, and the delayed rollout of its new LOC product adds execution risk and reduces visibility. Profitability is also under pressure from a 52% net charge-off rate, a 410-basis-point shortfall in portfolio yield versus expectations, heavy dependence on FinWise, and heightened regulatory and model-risk exposure.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.