OppFi (NYSE:OPFI) Hits New 52-Week Low on Disappointing Earnings

OppFi Inc. (NYSE:OPFI)’s share price hit a new 52-week low on Tuesday after the company announced weaker than expected quarterly earnings. The company traded as low as $6.84 and last traded at $7.0620, with a volume of 896401 shares. The stock had previously closed at $8.77.

The company reported $0.33 EPS for the quarter, missing the consensus estimate of $0.44 by ($0.11). OppFi had a return on equity of 39.90% and a net margin of 10.86%.The company had revenue of $86.17 million for the quarter, compared to analysts’ expectations of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS.

OppFi News Summary

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: OppFi reported second-quarter revenue of $145.2 million, up 1.9% year over year and a company record for the period. Net income rose 36% to $15.6 million, suggesting continued profitability and operating resilience. OppFi Reports Second Quarter 2026 Results
• Positive Sentiment: The company’s Form 10-Q filing showed increased assets and reduced debt, which may support financial flexibility and strengthen the balance sheet. OppFi Q2 2026 Form 10-Q Filing
• Negative Sentiment: Adjusted earnings were $0.33 per share, below analyst expectations ranging from $0.44 to $0.48 and down from $0.45 a year earlier. The earnings miss indicates that revenue growth is not translating into profits at the pace investors expected. OppFi Q2 Earnings Miss Estimates
• Negative Sentiment: Lower loan originations weighed on quarterly earnings, raising concerns about demand, loan growth and future revenue momentum.
• Negative Sentiment: OppFi reduced its fiscal 2026 outlook to $1.34–$1.51 in EPS and $600–$625 million in revenue, below consensus estimates of $1.79 EPS and $658.3 million revenue. The guidance reduction is the primary catalyst for the stock’s decline and suggests analysts may need to lower forecasts further. OppFi Lower Originations and Guidance

Analyst Ratings Changes

A number of analysts have recently issued reports on the stock. Zacks Research downgraded shares of OppFi from a “strong-buy” rating to a “hold” rating in a report on Tuesday, July 28th. Weiss Ratings reissued a “hold (c)” rating on shares of OppFi in a research note on Friday. Wall Street Zen downgraded OppFi from a “strong-buy” rating to a “buy” rating in a research report on Saturday. Citigroup reaffirmed a “market outperform” rating on shares of OppFi in a research note on Tuesday. Finally, Citizens Jmp lowered their price target on OppFi from $15.00 to $11.00 and set a “market outperform” rating for the company in a report on Tuesday. Two analysts have rated the stock with a Buy rating and three have given a Hold rating to the company. According to MarketBeat, the company presently has a consensus rating of “Hold” and an average price target of $10.25.

Insider Transactions at OppFi

In other OppFi news, Director Christina M. Favilla sold 30,000 shares of the company’s stock in a transaction on Monday, June 8th. The stock was sold at an average price of $8.14, for a total transaction of $244,200.00. Following the transaction, the director directly owned 156,737 shares in the company, valued at $1,275,839.18. This represents a 16.07% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. 70.20% of the stock is currently owned by insiders.

Institutional Investors Weigh In On OppFi

Institutional investors and hedge funds have recently modified their holdings of the company. Arrowstreet Capital Limited Partnership increased its position in shares of OppFi by 208.1% during the first quarter. Arrowstreet Capital Limited Partnership now owns 211,667 shares of the company’s stock worth $1,632,000 after acquiring an additional 142,971 shares during the period. Kestra Advisory Services LLC boosted its holdings in OppFi by 53.0% in the first quarter. Kestra Advisory Services LLC now owns 176,047 shares of the company’s stock valued at $1,357,000 after purchasing an additional 61,013 shares during the period. State of Wyoming boosted its holdings in OppFi by 7.9% in the first quarter. State of Wyoming now owns 42,739 shares of the company’s stock valued at $330,000 after purchasing an additional 3,139 shares during the period. Allspring Global Investments Holdings LLC grew its stake in OppFi by 11.3% during the 1st quarter. Allspring Global Investments Holdings LLC now owns 63,304 shares of the company’s stock worth $480,000 after purchasing an additional 6,431 shares in the last quarter. Finally, Diversify Wealth Management LLC acquired a new position in OppFi during the 1st quarter worth $386,000. Hedge funds and other institutional investors own 7.10% of the company’s stock.

OppFi Trading Down 18.1%

The company has a market cap of $613.70 million, a PE ratio of 7.72 and a beta of 1.77. The company has a fifty day simple moving average of $9.10 and a two-hundred day simple moving average of $8.88.

OppFi Company Profile

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.