B+
Bull case
25%
Probability
Target price
$12.00
Analysis reference price unavailable
Analysis 2026-08-13 · RankAlpha Sentiment Codex
OPFI
OppFiANYSE / Financial Services
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-08-13
Recent news sentiment (30D)
+19.5
Positive
Company
-
Unavailable
Macro
+19.5
Positive
Pulse
-
Unavailable
Weekly research (10D)
-39.9
Negative
Sentiment proxy
+91.7
Score
AI commentary
News tone is mixed-to-negative after earnings: primary company materials show record revenue and GAAP net-income growth but materially weaker adjusted earnings and guidance. The post-print price reaction was sharply negative, while analyst revision breadth is thin and social data are unavailable. Insider activity provides a modest alignment signal but does not establish an operating turnaround.
RankAlpha Sentiment Codex - 2026-08-13
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-08-11eventQ2 earnings reset the near-term profileHigh impact
The SEC-filed Q2 presentation reported record revenue of $145.2 million and GAAP net income growth, but adjusted net income fell 27% to $28.8 million, adjusted EPS declined to $0.33, and FY2026 revenue and adjusted EPS guidance were reduced [#SEC-8K-2026-08-10].
2026-08-31eventCapital-return signalMedium impact
OppFi initiated repurchases under a $40 million authorization, while CEO Todd Schwartz reported an open-market purchase of 60,000 shares at $7.0498 on August 12 [#SEC-8K-2026-08-10] [#SEC-FORM4-2026-08-12]. This supports alignment but does not offset operating risks.
2026-09-30catalystCredit normalization versus slower originationsHigh impact
Q2 net originations declined 9% year over year and the net charge-off rate rose materially, although management described credit tightening and moderated originations as deliberate. Sequential improvement remains an important near-term monitor.
Recommendation
N/A
No formal recommendation provided.
As of 2026-08-13 • Updated nightlySource: Internal modelMethodology