$8.63
+0.16 (+1.88%)
Last updated: Apr 16, 2026 00:48
Fundamentals Overview
OppFi Inc. is near the low of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
+284.6% upside vs price
Profitability
Risk (Beta)
1.8 — higher vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +284.6% upside vs price · Analyst grade: B
Pressures (Sell):
Sentiment weakening (2 downgrades) · 3M vs S&P 500: -15.2% · 3M vs Technology sector: -16.9% · Beta 1.8 (elevated)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B. Recent institutional grades: majority downgrades. Current institutional positions: Buy: 12, Market Outperform: 10, Neutral: 4, Outperform: 2.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $33.19; current price is $8.63. That’s a +284.6% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 8.69 |
| DCF value (model) | $33.19 (284.6% upside) |
| PEG (TTM) | 0.03 |
| P/B (TTM) | 3.91 |
| P/S (TTM) | 1.25 |
| P/FCF (TTM) | 1.93 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 7.44 |
| Quick Ratio (TTM) | 7.44 |
| Cash Ratio (TTM) | 1.08 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 4.41% |
| Gross margin (TTM) | 95.09% |
| Operating margin (TTM) | 32.37% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for OPFI.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| JMP Securities | upgrade | Market Perform | Market Outperform | 2025-05-08 |
| Northland Capital Markets | maintain | Outperform | Outperform | 2024-12-13 |
| Northland Capital Markets | maintain | Outperform | Outperform | 2024-11-08 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2024-04-17 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2024-01-12 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2023-11-10 |
| Needham | maintain | Buy | Buy | 2023-08-11 |
| Needham | maintain | Buy | Buy | 2023-08-10 |
| Needham | maintain | Buy | Buy | 2023-05-12 |
| Needham | maintain | Buy | Buy | 2023-05-11 |
| DA Davidson | maintain | Neutral | Neutral | 2023-03-24 |
| Needham | maintain | Buy | Buy | 2023-03-24 |
| Needham | maintain | Buy | Buy | 2023-03-23 |
| DA Davidson | maintain | Neutral | Neutral | 2023-03-23 |
| Needham | maintain | Buy | Buy | 2022-11-11 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2022-11-11 |
| Needham | maintain | Buy | Buy | 2022-11-10 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2022-11-10 |
| DA Davidson | downgrade | Buy | Neutral | 2022-08-11 |
| DA Davidson | downgrade | Buy | Neutral | 2022-08-10 |
| Needham | maintain | Buy | Buy | 2022-08-10 |
| Needham | maintain | Buy | Buy | 2022-08-09 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2022-07-15 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2022-07-14 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2022-03-11 |
| Needham | maintain | Buy | Buy | 2022-03-11 |
| JMP Securities | maintain | Market Outperform | Market Outperform | 2022-03-10 |
| Needham | maintain | Buy | Buy | 2022-03-10 |