B+
Bull case
25%
Probability
Target price
$8.20
Analysis reference price unavailable
Analysis 2026-11-02 · RankAlpha Sentiment Codex
OPFI
OppFiCNYSE / Financial Services
Last Price
$6.03-$0.15 (-2.43%)
At close · 2026-11-10
Current thesis
The new line of credit, LOLA migration and a favorable BNCC decision could restore growth while buybacks support per-share results. OppFi repurchased $6.7 million of stock in Q3.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.5.
What can break
BNCC regulatory approval remains outstanding, and the prior baseline records public opposition from U.S. senators. [#EARNINGS-TRANSCRIPT-2026Q3] Senators' statement
Momentum
13
Value
61
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $6.10 · Bull $8.20 · Bear $3.80Analysis 2026-11-02; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-11-10 • Vendor: Data Vendor v1
Scores
As of 2026-11-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-11-02 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-11-10
Investment thesis
As of 2026-11-10
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-11-10. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $10.53
Why
Momentum13 · Δ7d +1.6
Value61 · Δ7d -0.5
Sentiment57 · Δ7d -7.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta -0.5.
Contradictions & invalidation
- • BNCC regulatory approval remains outstanding, and the prior baseline records public opposition from U.S. senators. [#EARNINGS-TRANSCRIPT-2026Q3] Senators' statement
- • Full-year adjusted EPS guidance narrowed to $1.34–$1.40, leaving limited room for further credit deterioration. SEC earnings-release exhibit
- • Higher charge-offs, lower retained originations and another narrowing of 2026 guidance challenge the growth thesis.
Catalyst clock
2026-12-31
Credit losses and narrowed 2026 outlook
Lead driver: Value · See fundamentals
Momentum
13
18% active weight
Current posture
7d trendFlat
Δ7d
+1.6
Δ21d
+4.2
Value
61
43% active weight
Current posture
7d trendFlat
Δ7d
-0.5
Δ21d
-1.4
Sentiment
57
39% active weight
Current posture
7d trendSoftening
Δ7d
-7.3
Δ21d
-9.2
Why this grade
Composite grade C. Momentum 13.1 / Value 61.1 / Sentiment 56.8
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-11-02. Scenario method
Most likely
B
Base case
45%
Probability
Target price
$6.10
Analysis reference price unavailable
Analysis 2026-11-02 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$3.80
Analysis reference price unavailable
Analysis 2026-11-02 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-11-10
Fundamentals (TTM)
As of 2026-11-10
Market Cap
$510.92M
Beta
1.70
Shares Out
84.73M
P/E (TTM) · Derived
6.1
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 2026-11-10 • Updated nightlySource: Internal modelMethods & Data