OPFI

OppFiD

NYSE / Financial Services

At close

2026-06-15

Current thesis

The primary-source bull case is that OppFi entered May 2026 with record quarterly revenue, sharply higher GAAP net income, active buybacks, and a management-backed bank acquisition that could materially lower funding costs and diversify products if it closes [#8-K-2026-05-07] [#IR-2026-04-29].

Posture

Defensive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta +3.3.

What can break

OppFi remains exposed to California regulatory uncertainty tied to DFPI and AB 539, and an appeal or adverse outcome could disrupt bank-partner lending economics in that state [#10-K-2026-03-12].

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $10.80 · Bull $13.50 · Bear $7.50

Data freshness

Prices

As of 2026-06-15

Fundamentals

As of 2026-06-15 • Vendor: Data Vendor v1

Scores

As of 2026-06-15 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-08 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-06-15

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $15.17

Why

Momentum17 · Δ7d +2.2

Value54 · Δ7d -0.3

Sentiment69 · Δ7d +3.3

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Sentiment · See AI snapshot

Momentum

34% active weight

Current posture

7d trendFlat

Δ7d

+2.2

Δ21d

-35.4

Value

32% active weight

Current posture

7d trendFlat

Δ7d

-0.3

Δ21d

+0.4

Sentiment

33% active weight

Current posture

7d trendImproving

Δ7d

+3.3

Δ21d

-2.4

Why this grade

Composite grade D. Momentum 17.4 / Value 54.1 / Sentiment 69.4

Fundamentals (TTM)

As of 2026-06-15

Market Cap

$1.19B

Beta

1.70

Shares Out

86.36M

P/E (TTM) · Derived

14.5

P/S (TTM)

1.58

P/FCF (TTM)

2.52

Rev YoY

+13.5%

EPS YoY

+124.1%

Gross Margin

+98.9%

Op Margin

+28.0%

Net Debt

$257.41M

Current Ratio

As of 2026-06-15 • Updated nightlySource: Internal modelMethodology