OppFi Inc. (OPFI) - Stock Analysis
Last updated: Jan 14, 2026
Research Idea
Research content for general circulation. Not individualized advice. Methodology & Disclosures
Selected for strong fundamental momentum including record Q3 revenue and income growth, raised guidance, and AI-driven lending catalysts; despite near-term technical weakness, potential entry opportunities exist near current support levels around the upcoming earnings.
Loading chart data...
AI Analyst Overview
Loading chart data...
Valuation Metrics
Fundamental Analysis
Key Financial Insights: ⢠Improved margins ⢠Strong FCF ⢠High leverage OPFI delivered materially stronger quarter profitability and robust free cash flow (72% gross, 56% EBITDA, 40% net; EPS $1.48; Q FCF $99.9M) but is offset by very high leverage, heavy investing outflows and extreme P/E multiples, raising solvency and valuation risk.
Price Behavior
Key Price Behavior Insights: ⢠Lower highs ⢠Stabilizing near support ⢠Failed resistance Support Level: $10.10 Resistance Level: $11.20â$11.40 Over the last month OPFI has drifted modestly lower into a range, forming support near $10.10 while repeatedly failing at $11.20â$11.40, signaling cautious, range-bound sentiment.
Sentiment & News
Key News Insights: ⢠AI underwriting ⢠Strong margins ⢠Guidance upgraded OppFi looks like a discounted fintech value play after record Q3 results and AI-driven underwriting gains that boosted approvals and prompted 2026 upgrades, though subprime exposure and competition remain risks.
AI Summary
OppFi has materially reârated from a highârisk, growthâatâallâcost subprime lender to a techâdriven, marginable credit platform where Model 6/6.1 underwriting gains and cheaper funding are the primary drivers of durable EBITDA and free cash flow; investors should therefore focus on whether continued autoâapproval performance and funding wins sustain the stepâfunction margin expansion. The single biggest actionable risk is newâvintage chargeâoffs and high leverage â monitor vintage loss trajectories, Model 6.1 rollout metrics (autoâapproval rates and loss forecasts vs realized losses), operating cashâflow conversion, and upcoming debt maturities before treating buybacks as value accretive.
Description
OppFi Inc. operates a financial-technology platform that enables partner banks to originate and service consumer lending products. Its product mix includes installment lending, payroll-deduction secured loans and a consumer credit card, distributed through those banking relationships. The company is headquartered in Chicago, Illinois.
Idea History
| Date | Close | Ticker | Company | Summary | Status | P/L |
|---|---|---|---|---|---|---|
| Nov 3 | Nov 10 | OPFI | OppFi Inc. | Selected for strong fundamental momentum including record Q3 revenue and income growth, raised guidance, and AI-driven lending catalysts; despite near-term technical weakness, potential entry opportunities exist near current support levels around the upcoming earnings. | Closed | +0.1% |