OppFi (NYSE:OPFI) Upgraded by Stephens to “Hold” Rating

Posted by Francis Steltz on Aug 12th, 2026

OppFi (NYSE:OPFI – Get Free Report) was upgraded by Stephens to a “hold” rating in a report issued on Tuesday,Zacks.com reports.

A number of other brokerages also recently weighed in on OPFI. Citigroup reaffirmed a “market outperform” rating on shares of OppFi in a research report on Tuesday. Zacks Research cut shares of OppFi from a “strong-buy” rating to a “hold” rating in a report on Tuesday, July 28th. Weiss Ratings restated a “hold (c)” rating on shares of OppFi in a research note on Friday. Citizens Jmp lowered 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. Finally, Wall Street Zen cut OppFi from a “strong-buy” rating to a “buy” rating in a research report on Saturday. Two analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the company. According to data from MarketBeat.com, the stock has an average rating of “Hold” and an average target price of $10.25.

View Our Latest Stock Analysis on OppFi

OppFi Price Performance

Shares of OPFI opened at $6.58 on Tuesday. The stock has a market capitalization of $561.61 million, a PE ratio of 3.48 and a beta of 1.77. The business’s fifty day moving average price is $9.06 and its 200 day moving average price is $8.86. OppFi has a 12-month low of $6.50 and a 12-month high of $12.45.

OppFi (NYSE:OPFI – Get Free Report) last released its earnings results on Monday, August 10th. The company reported $0.33 earnings per share for the quarter, missing the consensus estimate of $0.44 by ($0.11). The business had revenue of $86.17 million for the quarter, compared to the consensus estimate of $155.89 million. OppFi had a net margin of 16.64% and a return on equity of 33.50%. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS. As a group, research analysts anticipate that OppFi will post 1.8 earnings per share for the current fiscal year.

Insider Activity

In other news, Director Christina M. Favilla sold 30,000 shares of the company’s 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 transaction, 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 transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website. Company insiders own 70.20% of the company’s stock.

Institutional Inflows and Outflows

A number of hedge funds and other institutional investors have recently bought and sold shares of OPFI. Quarry LP increased its stake 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. raised its holdings in shares of OppFi by 217.6% during the second 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. Moran Wealth Management LLC acquired a new position in shares of OppFi during the first quarter worth approximately $84,000. Lazard Asset Management LLC acquired a new position in shares of OppFi during the first quarter worth approximately $91,000. Finally, Kemnay Advisory Services Inc. bought a new position in OppFi in the 4th quarter worth approximately $95,000. 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 and growth initiatives remain 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. Citizens JMP price target update
Neutral Sentiment: Stonegate Capital Partners said the second-quarter results weaken OppFi’s near-term earnings outlook but do not invalidate its longer-term investment thesis. The firm’s updated coverage suggests investors may need to tolerate weaker near-term performance while the company executes its transformation. Stonegate Capital Partners coverage update
Negative Sentiment: Adjusted earnings of $0.33 per share missed analyst estimates of approximately $0.44-$0.48, and earnings declined from $0.45 a year earlier. Reports also highlighted lower loan originations as a key factor weighing on quarterly performance. OppFi Q2 earnings miss
Negative Sentiment: OppFi lowered its fiscal 2026 outlook to EPS of $1.34-$1.51, versus consensus of $1.79, and revenue of $600 million-$625 million, below the $658.3 million analyst estimate. The guidance reduction is the primary reason for the negative stock reaction and raises concerns about slower growth and profitability in the near term. OppFi lower originations and guidance

OppFi Company Profile

(Get Free Report)

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.