Northland Securities Decreases Earnings Estimates for OppFi

OppFi Inc. (NYSE:OPFI) – Analysts at Northland Securities dropped their FY2026 EPS estimates for shares of OppFi in a research report issued on Monday, August 10th. Northland Securities analyst M. Grondahl now forecasts that the company will earn $1.38 per share for the year, down from their prior estimate of $1.80. The consensus estimate for OppFi’s current full-year earnings is $1.43 per share. Northland Securities also issued estimates for OppFi’s Q4 2026 earnings at $0.38 EPS.

Several other research analysts also recently commented on the stock. Stephens decreased their price target on shares of OppFi from $11.00 to $9.50 and set an “equal weight” rating on the stock in a research note on Tuesday. Citigroup reiterated a “market outperform” rating on shares of OppFi in a research report on Tuesday. Weiss Ratings reissued a “hold (c)” rating on shares of OppFi in a research note on Friday, August 7th. Wall Street Zen cut OppFi from a “strong-buy” rating to a “buy” rating in a research note on Saturday, August 8th. Finally, Zacks Research lowered OppFi from a “strong-buy” rating to a “hold” rating in a research note on Tuesday, July 28th. Two analysts have rated the stock with a Buy rating and three have given a Hold rating to the company’s stock. According to MarketBeat.com, OppFi has a consensus rating of “Hold” and a consensus price target of $10.25.

OppFi Trading Up 3.9%

Shares of NYSE OPFI opened at $6.85 on Thursday. The stock’s 50-day moving average is $9.04 and its 200 day moving average is $8.84. The stock has a market cap of $583.69 million, a price-to-earnings ratio of 3.62 and a beta of 1.77. OppFi has a 1-year low of $6.50 and a 1-year high of $12.45.

OppFi (NYSE:OPFI) last released its earnings results on Monday, August 10th. The company reported $0.33 EPS for the quarter, missing analysts’ consensus estimates of $0.44 by ($0.11). OppFi had a net margin of 16.64% and a return on equity of 33.50%. The firm had revenue of $86.17 million during the quarter, compared to the consensus estimate of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS.

Insider Activity at OppFi

In other news, Director Christina M. Favilla sold 30,000 shares of the business’s stock in a transaction that occurred on Monday, June 8th. The stock was 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 of the company’s stock, valued at approximately $1,275,839.18. The trade was a 16.07% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink. Also, CEO Todd G. Schwartz bought 60,000 shares of the firm’s stock in a transaction that occurred on Wednesday, August 12th. The shares were acquired at an average price of $7.05 per share, with a total value of $423,000.00. Following the acquisition, the chief executive officer owned 493,733 shares of the company’s stock, valued at $3,480,817.65. This represents a 13.83% increase in their ownership of the stock. The disclosure for this purchase is available in the SEC filing. Company insiders own 70.20% of the company’s stock.

Institutional Investors Weigh In On OppFi

Several institutional investors and hedge funds have recently modified their holdings of the stock. Great Valley Advisor Group Inc. boosted its holdings in OppFi by 6.1% in the second quarter. Great Valley Advisor Group Inc. now owns 24,895 shares of the company’s stock worth $348,000 after acquiring an additional 1,423 shares in the last quarter. Quantbot Technologies LP boosted its holdings in 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 during the last quarter. Zacks Investment Management grew its holdings in shares of OppFi by 5.2% in the third quarter. Zacks Investment Management now owns 40,585 shares of the company’s stock worth $460,000 after acquiring an additional 2,000 shares during the period. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. increased its position in OppFi by 17.9% during the second quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 13,282 shares of the company’s stock valued at $186,000 after acquiring an additional 2,013 shares during the last quarter. Finally, R Squared Ltd lifted its holdings in OppFi by 10.5% in the first quarter. R Squared Ltd now owns 21,684 shares of the company’s stock valued at $167,000 after acquiring an additional 2,053 shares during the period. 7.10% of the stock is owned by hedge funds and other institutional investors.

Trending Headlines about OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: CEO Todd G. Schwartz purchased 60,000 shares for approximately $423,000 at an average price of $7.05. The purchase increased his position by 13.83%, a signal of management confidence after the recent selloff. SEC insider transaction filing
• Positive Sentiment: Stephens lowered its price target to $9.50 from $11.00 while maintaining an “equal weight” rating, and Citizens JMP cut its target to $11.00 from $15.00 while retaining a “market outperform” rating. Both targets remain materially above recent trading levels, indicating potential upside if earnings stabilize. Analyst price target coverage
• Neutral Sentiment: Stonegate Capital Partners said OppFi’s second-quarter results weakened the near-term earnings outlook but did not change its longer-term investment thesis. The firm also noted increased assets and reduced debt in the company’s quarterly filing. Stonegate Capital Partners coverage
• Negative Sentiment: Northland Securities sharply reduced its EPS forecasts, including Q3 2026 to $0.38 from $0.50, FY2026 to $1.38 from $1.80, FY2027 to $2.15 from $2.41, and FY2028 to $2.65 from $2.91. The revisions point to weaker expected profitability across multiple periods.
• Negative Sentiment: OppFi’s second-quarter earnings missed expectations, with EPS of $0.33 versus the $0.44 consensus and revenue of $86.17 million versus the $155.89 million estimate. Lower loan originations and disappointing 2026 guidance have pressured sentiment and remain the main risks to the stock. OppFi second-quarter earnings coverage

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.