| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 95 | 6.7x | 17.8x | Top tier | |
Growth | 80 | 10.2% | 7.1% | Top tier | |
Quality | 99 | — | — | Top tier | |
Safety | 68 | — | — | Top tier | |
Capital Return | 76 | 3.13% | 2.12% | Top tier | |
Momentum | 25 | -8.8% | 2.9% | Bottom tier | |
Sentiment | 78 | 3 | 3 | Top tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
OppFi Inc. (OPFI) operates as a technology-backed financial and banking platform, aiming to provide access to credit and community banking services for US consumers. The company generates its revenue primarily through loan origination and offering credit products with interest rates and fees based on risk assessment, focusing on meeting the needs of individuals seeking flexible and affordable monthly payments. The platform relies on advanced automated underwriting models for risk pricing, allowing it to offer alternative financing options while seeking to maintain the quality of the credit portfolio.
During the second quarter of fiscal year 2026, the company reported mixed financial results, achieving revenue of $145.2 million, a record for the second quarter and representing a 1.9% increase compared to the previous year. In contrast, net income was $14.8 million with earnings per share of $0.18, while the volume of originated loans decreased by 9% to reach $212 million as a result of tightening underwriting standards. Furthermore, the ratio of bad debt to total receivables increased to 52% compared to 43% last year, reflecting the impact of current economic pressures on consumer repayment behavior.
Automated analysis for informational purposes only — not investment advice.
The stock is currently trading at levels that reflect recent market pessimism following the lowered financial guidance, but it still trades below the analyst consensus price target of $9.5. Despite the recent sharp decline in the stock's value, analysts maintain a consensus buy recommendation, indicating their conviction that long-term strategic initiatives, including the acquisition of BNC Bank, outweigh the challenges of near-term execution delays.
Figures in the text are as of 2026-08-14; the live price is shown at the top of the page.
The stock experienced a sharp decline of up to 25% on August 11, 2026, following the announcement of disappointing financial results for the second quarter. The primary catalyst for this pullback was management's decision to lower its financial guidance for the full year 2026, reducing expected revenue to a range between $600 million and $625 million. This reduction was the result of a one- to two-month delay in launching the new line of credit product and completing the transition to the LOLA technology platform.
OppFi has officially submitted its regulatory applications to the Office of the Comptroller of the Currency and other government agencies to complete the acquisition of BNC National Bank. Management expects to close the transaction in the fourth quarter of 2026, subject to obtaining the necessary regulatory approvals. This acquisition is a core part of the company's strategy to transform into a leading technology-backed banking platform, with expectations to begin realizing revenue synergies by 2027.
The company is witnessing mounting pressure on consumer financial capacity, which has led to rising default metrics across its credit portfolio. In the second quarter of 2026, the ratio of net bad debt to total receivables increased to 52%, compared to 43% in the previous year. To address these challenges, the company tightened its underwriting standards, causing the total volume of originated loans to decrease by 9% to $212 million during the quarter.
The LOLA system is OppFi's new modular technology platform, designed to replace legacy systems and radically improve operational efficiency. Although the full transition to the system was slightly delayed during the second quarter of 2026, it is considered vital because it enabled the company to develop and launch new products, such as the upcoming line of credit, in less than six months. Management expects this platform to ultimately contribute to reducing product development cycle times by 70% and increasing automated approval rates to record levels.
