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OPFI

OppFiA
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
The company delivered record second-quarter revenue, generated $104 million of first-half free cash flow, maintained $91.8 million of cash and restricted cash, and continued share repurchases. Successful BNCC execution could broaden products and improve strategic flexibility.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +34.2.
What can break
BNCC acquisition closing, regulatory approval, integration, and execution remain uncertain. [#SEC-8K-2026-08-10]
Momentum
37
Value
58
Sentiment
83
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $9.50 · Bull $14.00 · Bear $5.50Analysis 2026-08-11; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-11 • Vendor: Data Vendor v1
Scores
As of 2026-08-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-11 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-08-11

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-08-11. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $12.17
Why
Momentum37 · Δ7d -22.8
Value58 · Δ7d -0.8
Sentiment83 · Δ7d +34.2
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 +34.2.

Contradictions & invalidation

  • • BNCC acquisition closing, regulatory approval, integration, and execution remain uncertain. [#SEC-8K-2026-08-10]
  • • FY2026 revenue, adjusted net income, and adjusted EPS guidance was reduced materially after Q2.
  • • The more decision-relevant signal is weaker adjusted profitability, a material credit-loss increase, lower originations, and reduced full-year guidance.

Catalyst clock

2026-08-11

Q2 revenue record but FY2026 guidance cut

Lead driver: Sentiment · See AI snapshot
Momentum
37
10% active weight
Current posture
7d trendSoftening
Δ7d
-22.8
Δ21d
-26.6
Value
58
40% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
-1.0
Sentiment
83
49% active weight
Current posture
7d trendImproving
Δ7d
+34.2
Δ21d
+31.2
Why this grade

Composite grade A. Momentum 37.0 / Value 58.4 / Sentiment 82.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-11. Scenario method

B+
Bull case
20%
Probability
Target price
$14.00
Analysis reference price unavailable
Analysis 2026-08-11 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$9.50
Analysis reference price unavailable
Analysis 2026-08-11 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$5.50
Analysis reference price unavailable
Analysis 2026-08-11 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-11
Market Cap
$949.5M
Beta
1.70
Shares Out
85.39M
P/E (TTM) · Derived
11.2
P/S (TTM)
1.58
P/FCF (TTM)
2.52
Rev YoY
+8.3%
EPS YoY
-215.8%
Gross Margin
+96.2%
Op Margin
+28.0%
Net Debt
$246.03M
Current Ratio
4.77
As of 2026-08-11 • Updated nightlySource: Internal modelMethods & Data