OppFi (NYSE:OPFI) Releases Earnings Results, Misses Estimates By $0.11 EPS

Posted by Stanley Muller on Aug 12th, 2026

OppFi (NYSE:OPFI – Get Free Report) posted its earnings results on Monday. The company reported $0.33 EPS for the quarter, missing analysts’ consensus estimates of $0.44 by ($0.11), Zacks reports. OppFi had a net margin of 16.64% and a return on equity of 33.50%. The company had revenue of $86.17 million during the quarter, compared to analysts’ expectations of $155.89 million. OppFi updated its FY 2026 guidance to 1.340-1.510 EPS.

Here are the key takeaways from OppFi’s conference call:

2026 guidance was reduced to revenue of $600 million–$625 million, adjusted net income of $115 million–$130 million, and adjusted EPS of $1.34–$1.51, following lower-than-expected originations and delays to growth initiatives.
Q2 originations fell approximately 9% year over year to $212 million, while net charge-offs rose to about 52% of receivables from 43% a year earlier. Management attributed some of the increase to slower portfolio growth and highlighted improved recoveries, but said it tightened underwriting in lower-return segments.
OppFi expects to launch its line-of-credit product in September, initially across three new geographies, after testing pricing, terms, conversion, and customer behavior. Management believes the product’s flexible draws and longer repayment structure can improve affordability and drive growth among new and existing customers.
The LOLA modular technology platform is expected to accelerate product development and improve automation, servicing, and application-to-funding times. Management said the platform enabled the line-of-credit product to be developed in under six months and targets a 70% reduction in development cycle times over the next year.
OppFi submitted regulatory applications for its proposed BNC National Bank acquisition and continues to target closing in Q4 2026. The company expects the combination to support geographic expansion, cross-selling, and significant revenue synergies beginning in 2027, while it also began repurchasing shares under its $40 million authorization.

OppFi Stock Performance

NYSE OPFI opened at $6.58 on Wednesday. The firm has a market cap of $561.61 million, a PE ratio of 3.48 and a beta of 1.77. OppFi has a one year low of $6.50 and a one year high of $12.45. The firm’s fifty day moving average is $9.06 and its two-hundred day moving average is $8.86.

Analyst Ratings Changes

Several equities analysts have issued reports on OPFI shares. Citigroup restated a “market outperform” rating on shares of OppFi in a research note on Tuesday. Zacks Research cut OppFi from a “strong-buy” rating to a “hold” rating in a research report on Tuesday, July 28th. Citizens Jmp reduced their target price on OppFi from $15.00 to $11.00 and set a “market outperform” rating for the company in a report on Tuesday. Stephens decreased their target price on OppFi from $11.00 to $9.50 and set an “equal weight” rating for the company in a research report on Tuesday. Finally, Weiss Ratings restated a “hold (c)” rating on shares of OppFi in a research note on Friday. Two analysts have rated the stock with a Buy rating and three have given a Hold rating to the company. Based on data from MarketBeat.com, the stock presently has an average rating of “Hold” and a consensus target price of $10.25.

Get Our Latest Research Report on OppFi

Insider Buying and Selling at OppFi

In other news, Director Christina M. Favilla sold 30,000 shares of the stock in a transaction dated Monday, June 8th. The shares were sold at an average price of $8.14, for a total transaction of $244,200.00. Following the completion of the sale, the director owned 156,737 shares in the company, valued at approximately $1,275,839.18. This represents a 16.07% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this link. Company insiders own 70.20% of the company’s stock.

Institutional Trading of OppFi

A number of hedge funds have recently added to or reduced their stakes in OPFI. Quarry LP increased its holdings in shares of OppFi by 669.2% in the third quarter. Quarry LP now owns 3,492 shares of the company’s stock valued at $40,000 after purchasing an additional 3,038 shares during the period. Russell Investments Group Ltd. grew its position in OppFi by 217.6% in the 2nd quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company’s stock valued at $65,000 after buying an additional 3,207 shares during the last quarter. Quantbot Technologies LP grew its position in OppFi by 20.8% in the 2nd quarter. Quantbot Technologies LP now owns 8,663 shares of the company’s stock valued at $121,000 after buying an additional 1,494 shares during the last quarter. Kemnay Advisory Services Inc. acquired a new position in OppFi in the 4th quarter valued at $95,000. Finally, Jain Global LLC acquired a new position in OppFi in the 4th quarter valued at $112,000. 7.10% of the stock is owned by institutional investors and hedge funds.

Trending Headlines about OppFi

Here are the key news stories impacting OppFi this week:

Positive Sentiment: OppFi reported record second-quarter revenue of $145.2 million, up 1.9% year over year, while net income rose 36% to $15.6 million. Management said its strategic transformation remains on track. OppFi Reports Second Quarter 2026 Results
Positive Sentiment: Citizens JMP maintained a “market outperform” rating, although it reduced its price target from $15 to $11. The revised target still implies substantial potential upside from recent trading levels. Benzinga analyst update
Neutral Sentiment: Stephens upgraded OppFi to “hold,” signaling a more balanced view after the recent selloff rather than a strong bullish recommendation. Zacks analyst update
Negative Sentiment: OppFi earned $0.33 per share in the second quarter, below analyst expectations of roughly $0.44–$0.48 and down from $0.45 a year earlier. Reported revenue also fell well short of the higher analyst estimate cited in several reports, increasing concerns about operating momentum. OppFi Q2 earnings miss
Negative Sentiment: Management lowered 2026 guidance to $1.34–$1.51 in EPS and $600–$625 million in revenue, below consensus estimates of $1.79 EPS and $658.3 million in revenue. Lower originations were identified as a key factor behind the weaker outlook.
Negative Sentiment: Northland Securities reduced EPS forecasts across multiple periods, including Q3 2026 ($0.38 from $0.50), FY2027 ($2.15 from $2.41) and FY2028 ($2.65 from $2.91). These cuts suggest analysts expect the earnings impact to extend beyond the current quarter.

OppFi Company Profile

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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.