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OPFI

OppFiA
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Record revenue, positive GAAP net-income growth, substantial cash and free cash flow, repurchases, and potential LOC, LOLA and BNCC catalysts could support rerating if credit losses normalize and guidance stabilizes.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +14.3.
What can break
Additional guidance reductions if originations, the line-of-credit launch or LOLA migration are delayed.
Momentum
12
Value
62
Sentiment
79
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $7.50 · Bull $12.00 · Bear $4.50Analysis 2026-08-13; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-25 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-13 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-25

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-25. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $13.32
Why
Momentum12 · Δ7d +1.5
Value62 · Δ7d +0.8
Sentiment79 · Δ7d +14.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +14.3.

Contradictions & invalidation

  • • Additional guidance reductions if originations, the line-of-credit launch or LOLA migration are delayed.
  • • BNCC regulatory approval, closing, integration and funding risks.
  • • The earnings print reduced FY2026 guidance, adjusted earnings declined, originations weakened and charge-offs increased.

Catalyst clock

2026-08-11

Q2 earnings reset the near-term profile

Lead driver: Sentiment · See AI snapshot
Momentum
12
9% active weight
Current posture
7d trendImproving
Δ7d
+1.5
Δ21d
+8.7
Value
62
28% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+1.3
Sentiment
79
62% active weight
Current posture
7d trendImproving
Δ7d
+14.3
Δ21d
+16.6
Why this grade

Composite grade A. Momentum 12.5 / Value 62.3 / Sentiment 79.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-13. Scenario method

B+
Bull case
25%
Probability
Target price
$12.00
Analysis reference price unavailable
Analysis 2026-08-13 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$7.50
Analysis reference price unavailable
Analysis 2026-08-13 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$4.50
Analysis reference price unavailable
Analysis 2026-08-13 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$598.16M
Beta
1.70
Shares Out
85.21M
P/E (TTM) · Derived
7.1
P/S (TTM)
1.58
P/FCF (TTM)
2.52
Rev YoY
+1.9%
EPS YoY
-123.0%
Gross Margin
+96.1%
Op Margin
+39.3%
Net Debt
$246.03M
Current Ratio
10.00
As of 2026-09-25 • Updated nightlySource: Internal modelMethods & Data