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
$5.98-$0.05 (-0.83%)
At close · 2026-11-11
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 -0.1.
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
14
Value
61
Sentiment
59
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 2026-11-11 • Vendor: Data Vendor v1
Scores
As of 2026-11-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-11-02 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-11-11
Investment thesis
As of 2026-11-11
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-11-11. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $10.53
Why
Momentum14 · Δ7d +0.6
Value61 · Δ7d -0.1
Sentiment59 · Δ7d -3.6
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Value remains the lead driver in the composite, 7D delta -0.1.
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
14
18% active weight
Current posture
7d trendFlat
Δ7d
+0.6
Δ21d
+5.5
Value
61
43% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-1.2
Sentiment
59
39% active weight
Current posture
7d trendSoftening
Δ7d
-3.6
Δ21d
-6.8
Why this grade
Composite grade C. Momentum 13.6 / Value 61.3 / Sentiment 58.8
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 2026-11-11
Fundamentals (TTM)
As of 2026-11-11
Market Cap
$506.68M
Beta
1.70
Shares Out
84.73M
P/E (TTM) · Derived
6.0
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 2026-11-11 • Updated nightlySource: Internal modelMethods & Data