OPFI Class A OppFi Inc. Class A Common Stock
NYSE · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$5.97
· of 52w range
· above low
· to high
$5.9152w low
$11.6952w high
P/E
10.6
EPS
$0.99
your badges
52W Range
$6–$12
Analyst Rating
BUY
Price Target
$13
P/E
10.6
ROE
57.7%
Net Profit Margin
·
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OPFI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$5.97
P/E
10.6
EPS
$0.99
ROE
57.7%
52W Range
$6–$12
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About OppFi Inc. Class A Common Stock Company overview from Wikipedia
sectorFinancial Services
industryFinancial Services
employees410
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
EPS$0.992020-12-31 → 2025-12-31
Free Cash Flow$382M2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | OPFI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 10.65Y avg ≈-0.6 | ≈-0.6 | 10.4 | Undervalued |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | OPFI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| ROA | 3.8%5Y avg ≈1.5% | ≈1.5% | 3.4% | Top tier | |
| ROE | 57.7%5Y avg ≈-19.5% | ≈-19.5% | 12.1% | Top tier | |
| ROIC | 267.0%5Y avg ≈590.2% | ≈590.2% | 12.4% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | OPFI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EPS YoY | 175.0% | · | · | · | |
| Net Income YoY | 262.8% | · | · | · | |
| EPS CAGR 3Y | 170.5% | · | · | · | |
| Net Income CAGR 3Y | 54.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio24.4%
Annualized Payout≈$0.25
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Apr 8, 2025 | $0.25 | USD | ≈4.7% |
| Apr 18, 2024 | $0.12 | USD | ≈4.2% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
24.7%
Next Report
Oct 27, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 12, 2026 | $0.33 | $0.45 | -27.3% |
| March 31, 2026 | $0.35 | $0.33 | 4.8% | |
| Dec. 31, 2025 | $0.30 | $0.29 | 4.1% | |
| Sept. 30, 2025 | $0.46 | $0.33 | 40.9% | |
| June 30, 2025 | $0.45 | $0.30 | 49.6% | |
| March 31, 2025 | $0.38 | $0.26 | 47.1% | |
| Dec. 31, 2024 | $0.23 | $0.15 | 53.7% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| SG&A Expense | $17M | $15M | $14M | $12M | $14M | |
| Operating Income | $167M | $95M | $46M | $-6M | $57M | |
| Interest Income | $597M | $526M | $509M | $453M | $351M | |
| Other Non-op | $-4M | $318.0K | $431.0K | · | · | |
| Pretax Income | $156M | $88M | $42M | $3M | $90M | |
| Income Tax | $10M | $4M | $2M | $-277.0K | $311.0K | |
| Net Income | $26M | $7M | $-1M | $7M | $26M | |
| EPS (Basic) | $0.99 | $0.36 | $-0.06 | $0.51 | $1.93 | |
| EPS (Diluted) | $0.99 | $0.36 | $-0.06 | $0.05 | $0.48 | |
| Shares (Basic) | 26,506,458 | 20,145,606 | 16,391,199 | 13,913,626 | 13,218,119 | |
| Shares (Diluted) | 26,506,458 | 20,145,606 | 16,391,199 | 84,256,084 | 84,474,039 | |
| EBITDA | $167M | $95M | $59M | $7M | $68M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $49M | $61M | $32M | $16M | $25M | |
| PP&E (Net) | $28M | $14M | $10M | $14M | $15M | |
| PP&E (Gross) | $92M | $73M | $60M | $51M | $39M | |
| Accum. Depreciation | $64M | $59M | $50M | $37M | $25M | |
| Total Assets | $754M | $641M | $602M | $580M | $502M | |
| Total Liabilities | $445M | $407M | $408M | $421M | $344M | |
| Long-term Debt | · | · | · | · | $50M | |
| Paid-in Capital | $114M | $94M | $76M | $66M | $62M | |
| Retained Earnings | $-34M | $-55M | $-64M | $-64M | $-71M | |
| Treasury Stock | $22M | $6M | $2M | $2M | $0 | |
| Stockholders' Equity | $58M | $33M | $10M | $-494.0K | $-9M | |
| Liabilities + Equity | $754M | $641M | $602M | $580M | $502M | |
| Shares Outstanding | · | · | · | · | 13,631,484 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| D&A | $5M | $10M | $13M | $14M | $10M | |
| Stock-based Comp | $10M | $5M | $4M | $3M | $3M | |
| Deferred Tax | $5M | $3M | $2M | $-553.0K | $-544.0K | |
| Other Non-cash | · | · | $279M | $220M | $129M | |
| Operating Cash Flow | $401M | $324M | $296M | $243M | $167M | |
| CapEx | $19M | $13M | $9M | $13M | $14M | |
| Investing Cash Flow | $-308M | $-243M | $-244M | $-317M | $-199M | |
| Stock Repurchased | $16M | $4M | $0 | $2M | $0 | |
| Net Stock Activity | $-16M | $-4M | $0 | $-2M | · | |
| Dividends Paid | $6M | $2M | $0 | $0 | · | |
| Financing Cash Flow | $-89M | $-66M | $-28M | $61M | $49M | |
| Taxes Paid | $6M | $475.0K | $73.0K | · | · | |
| Free Cash Flow | $382M | $311M | $287M | $230M | $153M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| ROA | 3.8% | 1.2% | -0.17% | 1.3% | · | |
| ROE | 57.7% | 33.6% | -20.2% | -148.9% | · | |
| ROIC | 267.0% | 274.6% | 419.3% | 1399.9% | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Cash Flow / Share | $15.14 | $16.07 | $18.07 | $2.89 | $1.98 | |
| Dividend / Share | $0.25 | $0.12 | · | · | · | |
| EPS (TTM) | $0.99 | $0.36 | $-0.06 | $0.05 | $0.48 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| EPS YoY | 175.0% | · | · | -89.6% | · | |
| EPS CAGR 3Y | 170.5% | -9.1% | · | · | · | |
| Net Income YoY | 262.8% | · | · | -72.2% | · | |
| Net Income CAGR 3Y | 54.8% | -34.3% | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Net Income TTM | $26M | $7M | $-1M | $7M | $26M | |
| P/E | 10.6 | 21.3 | -85.3 | 41.0 | 9.5 | |
| Earnings Yield | 9.5% | 4.7% | -1.2% | 2.4% | 10.6% | |
| Payout Ratio | 24.4% | 32.7% | · | · | · | |
| Annual Payout | $6M | $2M | $0 | $0 | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SG&A Expense | $5M | $5M | $5M | $4M | $4M | $2M | $4M | $4M | $4M | $4M | $3M | $4M | $3M | $3M | $3M | $3M | |
| Operating Income | $24M | $35M | $31M | $48M | $45M | $42M | $25M | $35M | $29M | $5M | $9M | $16M | $18M | $4M | $-10M | $-969.0K | |
| Interest Income | $145M | $152M | $159M | $155M | $142M | $140M | $136M | $137M | $126M | $127M | $133M | $133M | $122M | $120M | $120M | $124M | |
| Pretax Income | $25M | $58M | $40M | $82M | $13M | $22M | $15M | $34M | $29M | $11M | $3M | $16M | $19M | $4M | $-7M | $354.0K | |
| Income Tax | $10M | $4M | $1M | $6M | $1M | $2M | $600.0K | $2M | $914.0K | $404.0K | $1M | $463.0K | $688.0K | $146.0K | $-2M | $1M | |
| Net Income | $15M | $28M | $17M | $42M | $-21M | $-11M | $-6M | $4M | $3M | $6M | $-6M | $2M | $2M | $251.0K | $3M | $-571.0K | |
| EPS (Basic) | $0.22 | $1.06 | $0.77 | $1.48 | $-0.78 | $-0.48 | $-0.30 | $0.21 | $0.16 | $0.29 | $-0.35 | $0.13 | $0.14 | $0.02 | $0.21 | $-0.04 | |
| EPS (Diluted) | $0.18 | $0.56 | $1.48 | $0.77 | $-0.78 | $-0.48 | $-0.11 | $0.21 | $0.16 | $0.10 | $-0.35 | $0.13 | $0.14 | $0.02 | $-0.01 | $-0.04 | |
| Shares (Basic) | 67,512,878 | 26,778,432 | · | 28,163,404 | 26,610,330 | 23,691,769 | · | 20,248,004 | 19,675,934 | 19,205,427 | · | 16,772,275 | 15,632,120 | 15,037,326 | · | 13,972,971 | |
| Shares (Diluted) | 86,037,151 | 86,195,269 | · | 88,236,591 | 26,610,330 | 23,691,769 | · | 20,248,004 | 19,675,934 | 86,243,498 | · | 17,057,778 | 15,873,753 | 15,189,895 | · | 13,972,971 | |
| EBITDA | $24M | $35M | · | $48M | $45M | $42M | · | $37M | $32M | $8M | · | $19M | $22M | $7M | · | $3M |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $64M | $64M | $49M | $45M | $45M | $58M | $61M | $45M | $47M | $47M | · | $31M | $27M | $32M | · | $14M | |
| PP&E (Net) | $35M | $32M | $28M | $23M | $19M | $16M | $14M | $11M | $10M | $10M | · | $11M | $12M | $13M | · | $15M | |
| PP&E (Gross) | $102M | $97M | $92M | $87M | $82M | $77M | $73M | $69M | $65M | $62M | · | $58M | $56M | $54M | · | $50M | |
| Accum. Depreciation | $67M | $65M | $64M | $64M | $63M | $61M | $59M | $57M | $55M | $53M | · | $47M | $44M | $41M | · | $35M | |
| Total Assets | $771M | $720M | $754M | $721M | $673M | $640M | $641M | $619M | $573M | $563M | · | $601M | $577M | $560M | · | $580M | |
| Total Liabilities | $356M | $377M | $445M | $443M | $456M | $403M | $407M | $399M | $371M | $366M | · | $411M | $400M | $396M | · | $415M | |
| Paid-in Capital | $437M | $112M | $114M | $113M | $111M | $101M | $94M | $92M | $81M | $79M | · | $72M | $71M | $67M | · | $66M | |
| Retained Earnings | $10M | $-5M | $-34M | $-50M | $-92M | $-72M | $-55M | $-51M | $-57M | $-58M | · | $-59M | $-61M | $-63M | · | $-67M | |
| Treasury Stock | $33M | $31M | $22M | $13M | $6M | $6M | $6M | $6M | $5M | $2M | · | $2M | $2M | $2M | · | $2M | |
| Stockholders' Equity | $414M | $76M | $58M | $49M | $13M | $23M | $33M | $35M | $19M | $18M | · | $11M | $7M | $1M | · | $-3M | |
| Liabilities + Equity | $771M | $720M | $754M | $721M | $673M | $640M | $641M | $619M | $573M | $563M | · | $601M | $577M | $560M | · | $580M |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $591.0K | $764.0K | $1M | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $3M | $3M | $4M | $4M | |
| Stock-based Comp | $3M | $2M | $2M | $2M | $5M | $1M | $1M | $1M | $2M | $1M | $997.0K | $1M | $845.0K | $1M | $963.0K | $762.0K | |
| Deferred Tax | · | · | $341.0K | $3M | $903.0K | $425.0K | $2M | $395.0K | $889.0K | $354.0K | $2M | $-1.0K | $140.0K | $109.0K | $-2M | $713.0K | |
| Other Non-cash | · | · | · | · | · | · | · | · | · | $65M | · | · | · | $61M | · | · | |
| Operating Cash Flow | $92M | $91M | $117M | $105M | $96M | $84M | $95M | $78M | $77M | $74M | $83M | $75M | $73M | $66M | $71M | $69M | |
| CapEx | $5M | $5M | $5M | $5M | $5M | $4M | $4M | $4M | $3M | $2M | $2M | $2M | $3M | $2M | $3M | $3M | |
| Investing Cash Flow | $-57M | $-21M | $-89M | $-103M | $-81M | $-34M | $-73M | $-93M | $-59M | $-18M | $-64M | $-77M | $-75M | $-28M | $-74M | $-79M | |
| Stock Repurchased | $1M | $10M | $8M | $7M | $0 | $0 | $0 | $1M | · | · | $0 | $0 | $0 | $0 | $0 | $307.0K | |
| Net Stock Activity | · | $-10M | · | · | · | · | · | · | · | · | · | · | · | $0 | · | · | |
| Dividends Paid | · | · | $0 | $0 | · | · | $0 | $0 | · | · | $0 | $0 | · | · | · | · | |
| Financing Cash Flow | $-43M | $-63M | $-9M | $-5M | $-27M | $-47M | $-8M | $9M | $-26M | $-42M | $-10M | $6M | $-7M | $-16M | $2M | $2M | |
| Taxes Paid | $2M | $19.0K | · | · | $4M | $11.0K | · | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | · | $86M | · | · | · | $79M | · | · | · | $72M | · | · | · | $64M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 2.1% | 4.2% | · | 6.2% | -3.3% | -1.9% | · | 0.70% | 0.53% | 0.99% | · | 0.37% | 0.37% | 0.05% | · | -0.11% | |
| ROE | 6.9% | 57.8% | · | 98.8% | -130.0% | -55.9% | · | 18.4% | 23.5% | 56.5% | · | 53.1% | 123.4% | -6.9% | · | 4.3% | |
| ROIC | 3.6% | 43.5% | · | 91.2% | 303.3% | 174.3% | · | 93.9% | 153.2% | 28.0% | · | 132.6% | 237.2% | 250.1% | · | -55.8% |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow / Share | · | $1.05 | · | · | · | $3.53 | · | · | · | $0.86 | · | · | · | $4.32 | · | · | |
| Dividend / Share | · | · | $0.00 | $0.00 | $0.00 | $0.25 | $0.00 | · | $0.12 | · | · | · | · | · | · | · | |
| Dividend Paid / Share | · | · | · | · | · | · | · | $0.12 | $0.12 | · | · | · | · | · | · | · | |
| EPS (TTM) | $2.99 | $2.03 | · | $-0.60 | $-1.16 | $-0.22 | · | $0.12 | $0.04 | $0.02 | · | $0.28 | $0.11 | $0.07 | · | $0.25 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $102M | $66M | · | $4M | $-33M | $-10M | · | $7M | $5M | $4M | · | $8M | $5M | $6M | · | $35M | |
| P/E | 3.3 | 3.8 | · | -18.9 | -12.1 | -42.3 | · | 39.4 | 84.8 | 125.0 | · | 9.0 | 18.5 | 29.3 | · | 9.2 | |
| Earnings Yield | 30.1% | 26.3% | · | -5.3% | -8.3% | -2.4% | · | 2.5% | 1.2% | 0.80% | · | 11.1% | 5.4% | 3.4% | · | 10.9% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $26M | $7M | $-1M | $7M | $26M |
| Diluted EPS | $0.99 | $0.36 | $-0.06 | $0.05 | $0.48 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $382M | $311M | $287M | $230M | $153M |
Institutional owners (13F) 161 filers · $249.8M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
161
Value held
$249.8M
New positions
31
Exited positions
27
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 31 (-1 vs prior Q) | 27 (+6 vs prior Q) | 54 (+10 vs prior Q) | 41 (-8 vs prior Q) | +3.1M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $29,981,153 | 3,019,250 | 12.00% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $22,012,745 | 2,216,792 | 8.81% | Shares |
| BlackRock, Inc. | $20,329,124 | 2,047,243 | 8.14% | Shares |
| VANGUARD GROUP INC | $17,077,122 | 1,632,612 | 6.84% | Shares |
| CITADEL ADVISORS LLC | $10,589,630 | 1,066,428 | 4.24% | Shares |
| CORSAIR CAPITAL MANAGEMENT, L.P. | $10,460,053 | 1,053,379 | 4.19% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $7,378,646 | 742,860 | 2.95% | Shares |
| TWO SIGMA INVESTMENTS, LP | $6,645,722 | 669,257 | 2.66% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $6,416,279 | 646,233 | 2.57% | Shares |
| Nuveen, LLC | $6,368,864 | 641,376 | 2.55% | Shares |
| LB Partners LLC | $6,280,725 | 632,500 | 2.51% | Shares |
| TWO SIGMA ADVISERS, LP | $5,779,150 | 552,500 | 2.31% | Shares |
| STATE STREET CORP | $5,606,647 | 564,617 | 2.24% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $5,292,769 | 533,008 | 2.12% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $5,005,713 | 504,100 | 2.00% | Call option |
| GOLDMAN SACHS GROUP INC | $4,509,640 | 454,143 | 1.81% | Shares |
| AMERIPRISE FINANCIAL INC | $4,450,049 | 448,142 | 1.78% | Shares |
| MORGAN STANLEY | $4,129,187 | 415,829 | 1.65% | Shares |
| UBS Group AG | $3,526,222 | 355,108 | 1.41% | Shares |
| MILLENNIUM MANAGEMENT LLC | $3,307,822 | 333,114 | 1.32% | Shares |
| Cubist Systematic Strategies, LLC | $3,264,365 | 288,117 | 1.31% | Shares |
| GLOBEFLEX CAPITAL L P | $3,240,288 | 326,313 | 1.30% | Shares |
| NORTHERN TRUST CORP | $2,988,374 | 300,944 | 1.20% | Shares |
| PL Capital Advisors, LLC | $2,979,000 | 300,000 | 1.19% | Shares |
| JPMORGAN CHASE & CO | $2,684,897 | 285,021 | 1.07% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,517,086 | 253,483 | 1.01% | Shares |
| LPL Financial LLC | $2,049,721 | 206,417 | 0.82% | Shares |
| CITADEL ADVISORS LLC | $2,002,881 | 201,700 | 0.80% | Put option |
| Kestra Advisory Services, LLC | $1,879,282 | 189,253 | 0.75% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,846,931 | 185,995 | 0.74% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,771,065 | 178,355 | 0.71% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $1,630,506 | 164,200 | 0.65% | Put option |
| BNP PARIBAS ASSET MANAGEMENT Holding S.A. | $1,614,628 | 162,601 | 0.65% | Shares |
| MARSHALL WACE, LLP | $1,581,501 | 159,265 | 0.63% | Shares |
| TUDOR INVESTMENT CORP ET AL | $1,551,989 | 156,293 | 0.62% | Shares |
| DEUTSCHE BANK AG\ | $1,317,185 | 132,647 | 0.53% | Shares |
| MACKENZIE FINANCIAL CORP | $1,281,288 | 129,032 | 0.51% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,275,856 | 128,485 | 0.51% | Shares |
| WCG Wealth Advisors LLC | $1,238,171 | 124,690 | 0.50% | Shares |
| Trexquant Investment LP | $1,226,176 | 123,482 | 0.49% | Shares |
| FIRST TRUST ADVISORS LP | $1,154,312 | 116,245 | 0.46% | Shares |
| Manatuck Hill Partners, LLC | $993,000 | 100,000 | 0.40% | Shares |
| EMERALD MUTUAL FUND ADVISERS TRUST | $907,930 | 91,433 | 0.36% | Shares |
| Bank of New York Mellon Corp | $891,147 | 89,743 | 0.36% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $868,379 | 87,450 | 0.35% | Shares |
| JANE STREET GROUP, LLC | $830,148 | 83,600 | 0.33% | Call option |
| FEDERATED HERMES, INC. | $803,476 | 80,914 | 0.32% | Shares |
| AMERICAN CENTURY COMPANIES INC | $717,433 | 72,249 | 0.29% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $716,548 | 72,160 | 0.29% | Shares |
| Creative Planning | $666,134 | 67,083 | 0.27% | Shares |
Activists & 5%+ owners 4 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Todd G. Schwartz, TGS Revocable Trust, OppFi Shares, LLC, TGS Capital Group, LP, TGS MCS Capital Group LP, Theodore G. Schwartz, LTHS Capital Group LP, LTHS Revocable Trust ×7 filings | April 30, 2026 | 32.03% | Amendment | Board campaign | SEC |
| Jared Kaplan, JSK Management Holdings, LLC | July 30, 2021 | · | Initial filing | Board campaign | SEC |
| Todd Schwartz, TGS Revocable Trust, OppFi Shares, LLC, Todd Schwartz Capital Group LP, Theodore Schwartz, LTHS Capital Group LP | July 30, 2021 | · | Initial filing | Board campaign | SEC |
| FG New America Investors LLC, Larry G. Swets, Jr., D. Kyle Cerminara, Joseph H. Moglia | Oct. 15, 2020 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 17 insiders · 8 officers · 11 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Todd G. Schwartz | Chief Executive Officer | Sept. 14, 2026 P | 641,898 | 23 | 0 | $1,488,779 |
| Larry G Swets JR | Chief Executive Officer | June 30, 2021 P | 40,000 | 0 | 0 | $0 |
| Pamela D. Johnson | CFO | Sept. 11, 2026 S | 151,039 | 0 | 3 | $-132,723 |
| Shah Shiven | Chief Financial Officer | Oct. 1, 2021 A | · | 0 | 0 | $0 |
| Neville Crawley | President | Oct. 1, 2021 A | · | 0 | 0 | $0 |
| Kyle Cerminara | President | March 31, 2021 P | 5,892 | 0 | 0 | $0 |
| Salvador Hazday | Chief Operating Officer | July 21, 2021 A | · | 0 | 0 | $0 |
| Christopher J. Mckay | Chief Risk & Analytics Officer | Aug. 26, 2026 S | 1,431,479 | 0 | 3 | $-767,620 |
| David Vennettilli | Director | Aug. 19, 2026 S | 154,434 | 0 | 2 | $-303,953 |
| Jocelyn Moore | Director | June 15, 2026 S | 16,843 | 0 | 4 | $-630,121 |
| Christina M Favilla | Director | June 9, 2026 A | 29,750 | 0 | 1 | $-244,200 |
| Gregory T Zeeman | Director | June 9, 2026 A | 166,487 | 0 | 0 | $0 |
| Theodore G Schwartz | Director | June 9, 2026 A | 29,750 | 0 | 0 | $0 |
| Jared Kaplan | Director | Jan. 6, 2022 D | 8,407,879 | 0 | 0 | $0 |
| FG New America Investors LLC | Director | Oct. 14, 2020 D | 462,500 | 0 | 0 | $0 |
| Joseph H Moglia | Director | Oct. 14, 2020 D | 462,500 | 0 | 0 | $0 |
| Hassan Baqar | · | March 31, 2021 P | 2,500 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 17 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| EBIT · Harbor ETF Trust | 0.18% | 2,302 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.05% | 88,959 SH | Sept. 11, 2026 | Daily |
| IWO · iShares Trust | 0.01% | 243,628 SH | Sept. 11, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 176,532 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 149,300 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.01% | 26,784 SH | Aug. 19, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 12,390 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 695,975 SH | Sept. 11, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.00% | 2,190 SH | Oct. 2, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.00% | 2,424 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 12,665 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 6,790 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,115 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 4,501 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 406,714 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 1,770,057 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 2,271 SH | Aug. 19, 2026 | Daily |
OPFI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$13.13
+119.9%
2 22.2%
Strong Buy
5 55.6%
Buy
2 22.2%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
4 analysts · 2026-10-03Mean target $13.31 +123.0%
← Below all targets
Current price $5.97
Low$11.00
Mean$13.31
High$16.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| OPFI | · | 10.6 | · | · | 57.7% | · |
| NAVI | · | · | · | · | · | · |
| WRLD | · | 19.6 | 3.7% | · | · | · |
| PRAA | $680M | -2.3 | 7.8% | -25.4% | -28.9% | · |
| GDOT | · | · | 20.7% | · | · | · |
| NRDS | $966M | 21.2 | 21.7% | 5.8% | 12.7% | · |
| OPRT | · | 10.0 | -4.5% | · | · | · |
| KPLT | · | · | · | · | · | · |
| TREE | $731M | 4.9 | 24.1% | 13.5% | 74.7% | 31.5% |
| RM | $370M | 8.7 | 9.7% | 6.9% | 12.1% | · |
| MFIN | · | · | · | · | · | · |
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Source: SEC 10-Q filed Aug 10, 2026