OppFi (OPFI)


Market Price (8/11/2026): $7.22 | Market Cap: $193.3 MilSector: Financials | Industry: Consumer Finance

OppFi (OPFI)


Market Price (8/11/2026): $7.22
Market Cap: $193.3 Mil
Sector: Financials
Industry: Consumer Finance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 55%, Dividend Yield is 27%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 51%, FCF Yield is 165%

Attractive operating margins
Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is 64%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 67%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 64%

Low stock price volatility
Vol 12M is 43%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, and AI for Fraud Detection.

Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 98%

Key risks
OPFI key risks include [1] regulatory and legal challenges to its core "true lender" bank partnership model and [2] significant credit default exposure inherent to its non-prime borrower base.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 55%, Dividend Yield is 27%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 51%, FCF Yield is 165%
1 Attractive operating margins
Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is 64%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 67%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 64%
3 Low stock price volatility
Vol 12M is 43%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, and AI for Fraud Detection.
5 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 98%
6 Key risks
OPFI key risks include [1] regulatory and legal challenges to its core "true lender" bank partnership model and [2] significant credit default exposure inherent to its non-prime borrower base.

OPFI in ETFs

Weight = OPFI's share of each fund

IWO0.02%
DFAS0.01%
VTWO0.01%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 8/10/2026

OppFi (OPFI) stock has lost about 10% since 4/30/2026 because of the following key factors:

1. Significant Decline in Adjusted Earnings and Missed Q2 2026 Analyst Estimates.

OppFi reported mixed results for fiscal Q2 2026 (ended June 30, 2026), with record total revenue of $145.2 million, an increase of 1.9% year-over-year. However, adjusted net income declined by 27.0% year-over-year to $28.8 million, and adjusted diluted earnings per share (EPS) fell by 25.0% to $0.33, missing analyst consensus estimates which ranged from $0.41 to $0.45 per share. This divergence between top-line growth and core profitability negatively impacted investor sentiment.

2. Reduction in Full-Year Fiscal 2026 Guidance.

The company significantly lowered its full-year fiscal 2026 guidance, projecting total revenue between $600 million and $625 million, compared to a previous analyst consensus of $655.4 million to $660.5 million. Similarly, adjusted EPS guidance was reduced to a range of $1.34 to $1.51, substantially below the prior consensus estimates of $1.79 to $2.12. This revised outlook signaled lower-than-expected future performance, primarily due to slower originations and delays in growth initiatives.

Show more
Updated on 8/10/2026

OppFi (OPFI) stock has lost about 10% since 4/30/2026 because of the following key factors:

1. Significant Decline in Adjusted Earnings and Missed Q2 2026 Analyst Estimates.

OppFi reported mixed results for fiscal Q2 2026 (ended June 30, 2026), with record total revenue of $145.2 million, an increase of 1.9% year-over-year. However, adjusted net income declined by 27.0% year-over-year to $28.8 million, and adjusted diluted earnings per share (EPS) fell by 25.0% to $0.33, missing analyst consensus estimates which ranged from $0.41 to $0.45 per share. This divergence between top-line growth and core profitability negatively impacted investor sentiment.

2. Reduction in Full-Year Fiscal 2026 Guidance.

The company significantly lowered its full-year fiscal 2026 guidance, projecting total revenue between $600 million and $625 million, compared to a previous analyst consensus of $655.4 million to $660.5 million. Similarly, adjusted EPS guidance was reduced to a range of $1.34 to $1.51, substantially below the prior consensus estimates of $1.79 to $2.12. This revised outlook signaled lower-than-expected future performance, primarily due to slower originations and delays in growth initiatives.

3. Increase in Credit Losses and Decline in Loan Originations.

OppFi experienced elevated credit costs during fiscal Q2 2026, with net charge-offs rising to 39.5% of total revenue, up from 31.9% in the prior-year period, and reaching 52.3% of average receivables, compared to 43.5% a year earlier. Concurrently, total net originations decreased by 9.3% year-over-year to $212.0 million, as the company tightened underwriting standards in segments deemed less attractive for risk-adjusted returns and faced delays in the launch of its line-of-credit product.

4. Increased Operating Expenses Related to Strategic Initiatives.

Operating expenses rose due to increased professional fees, which climbed to $13.6 million from $4.8 million in the prior year, primarily related to the pending BNCCORP acquisition and ongoing corporate simplification efforts. These expenses contributed to a 45.6% decline in operating income, further pressuring overall profitability despite a reported increase in GAAP net income.

Show less
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →

Stock Movement Drivers

Fundamental Drivers

The -7.8% change in OPFI stock from 4/30/2026 to 8/10/2026 was primarily driven by a -64.3% change in the company's P/E Multiple.
(LTM values as of)43020268102026Change
Stock Price ($)9.518.77-7.8%
Change Contribution By: 
Total Revenues ($ Mil)5976091.9%
Net Income Margin (%)4.4%10.9%146.3%
P/E Multiple9.93.6-64.3%
Shares Outstanding (Mil)28272.8%
Cumulative Contribution-7.8%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 8/10/2026
ReturnCorrelation
OPFI-7.8% 
Market (SPY)7.6%17.9%
Sector (XLF)10.9%44.3%

Fundamental Drivers

The -7.9% change in OPFI stock from 1/31/2026 to 8/10/2026 was primarily driven by a -94.9% change in the company's P/E Multiple.
(LTM values as of)13120268102026Change
Stock Price ($)9.528.77-7.9%
Change Contribution By: 
Total Revenues ($ Mil)5746096.1%
Net Income Margin (%)0.7%10.9%1507.8%
P/E Multiple69.23.6-94.9%
Shares Outstanding (Mil)28275.2%
Cumulative Contribution-7.9%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2026 to 8/10/2026
ReturnCorrelation
OPFI-7.9% 
Market (SPY)12.0%38.0%
Sector (XLF)8.7%52.3%

Fundamental Drivers

The -17.6% change in OPFI stock from 7/31/2025 to 8/10/2026 was primarily driven by a -17.5% change in the company's P/S Multiple.
(LTM values as of)73120258102026Change
Stock Price ($)10.648.77-17.6%
Change Contribution By: 
Total Revenues ($ Mil)53960912.9%
P/S Multiple0.50.4-17.5%
Shares Outstanding (Mil)2427-11.5%
Cumulative Contribution-17.6%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2025 to 8/10/2026
ReturnCorrelation
OPFI-17.6% 
Market (SPY)23.3%36.0%
Sector (XLF)11.7%43.6%

Fundamental Drivers

The 353.6% change in OPFI stock from 7/31/2023 to 8/10/2026 was primarily driven by a 718.1% change in the company's Net Income Margin (%).
(LTM values as of)73120238102026Change
Stock Price ($)1.938.77353.6%
Change Contribution By: 
Total Revenues ($ Mil)47360928.8%
Net Income Margin (%)1.3%10.9%718.1%
P/E Multiple4.63.6-23.3%
Shares Outstanding (Mil)1527-43.8%
Cumulative Contribution353.6%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2023 to 8/10/2026
ReturnCorrelation
OPFI353.6% 
Market (SPY)74.8%33.5%
Sector (XLF)71.0%30.5%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
OPFI Return-55%-55%150%56%41%-10%-1%
Peers Return102%-48%81%43%25%22%314%
S&P 500 Return27%-19%24%23%16%13%107%

Monthly Win Rates [3]
OPFI Win Rate25%25%50%67%58%38% 
Peers Win Rate58%32%60%52%57%57% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
OPFI Max Drawdown-62%-69%-28%-54%-52%-28% 
Peers Max Drawdown-35%-63%-44%-25%-37%-29% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: ENVA, OMF, UPST, WRLD, BFH.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 8/10/2026 (YTD)

How Low Can It Go

EventOPFIS&P 500
2025 US Tariff Shock
  % Loss-29.7%-18.8%
  % Gain to Breakeven42.2%23.1%
  Time to Breakeven30 days79 days
2023 SVB Regional Banking Crisis
  % Loss-22.3%-6.7%
  % Gain to Breakeven28.7%7.1%
  Time to Breakeven57 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-58.7%-24.5%
  % Gain to Breakeven142.0%32.4%
  Time to Breakeven438 days427 days

Compare to ENVA, OMF, UPST, WRLD, BFH

In The Past

OppFi's stock fell -29.7% during the 2025 US Tariff Shock. Such a loss loss requires a 42.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventOPFIS&P 500
2025 US Tariff Shock
  % Loss-29.7%-18.8%
  % Gain to Breakeven42.2%23.1%
  Time to Breakeven30 days79 days
2023 SVB Regional Banking Crisis
  % Loss-22.3%-6.7%
  % Gain to Breakeven28.7%7.1%
  Time to Breakeven57 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-58.7%-24.5%
  % Gain to Breakeven142.0%32.4%
  Time to Breakeven438 days427 days

Compare to ENVA, OMF, UPST, WRLD, BFH

In The Past

OppFi's stock fell -29.7% during the 2025 US Tariff Shock. Such a loss loss requires a 42.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About OppFi (OPFI)

OppFi Inc. (OPFI) operates as a financial technology company that provides a platform enabling banks to offer various lending products to consumers. Based in Chicago, Illinois, the company partners with financial institutions to extend credit solutions through its proprietary technology, essentially acting as a bridge between banks and borrowers seeking access to credit.

The company's product suite includes three primary offerings. OppLoan is an installment loan product designed to provide structured credit with fixed repayment schedules. SalaryTap is another installment loan product, uniquely secured through payroll deductions, which aims to simplify the repayment process for borrowers. Additionally, OppFi offers the OppFi Card, a credit card product, expanding its solutions into the revolving credit market.

OppFi's primary customers are the banks that utilize its technology platform, which in turn serve a broad market of consumers seeking accessible lending and credit card products. By providing its fintech solutions, OppFi empowers its partner banks to reach and serve a wider segment of the population, particularly those who may be looking for alternative credit options beyond traditional banking services.

AI Analysis | Feedback

Here are 1-3 brief analogies for OppFi:

  • Stripe for banks to offer consumer credit. (Stripe provides payment processing infrastructure for businesses; OppFi provides technology infrastructure for banks to offer consumer loans and credit cards.)
  • Marqeta for consumer lending products. (Marqeta provides card issuing platforms for companies; OppFi provides platforms for banks to offer installment loans and credit cards.)

AI Analysis | Feedback

  • OppLoan: An installment loan product.
  • SalaryTap: A payroll deduction secured installment loan product.
  • OppFi Card: A credit card product.

AI Analysis | Feedback

OppFi Inc. (OPFI) primarily sells its financial technology platform and related services to other companies, specifically banks, which then offer lending products to individuals. Therefore, its major customers are the banks that partner with OppFi to utilize its platform.

The major bank partners that utilize OppFi's platform to originate its products include:

  • FinWise Bank (NASDAQ: FINW - parent company FinWise Bancorp)
  • First Electronic Bank
  • Capital Community Bank

AI Analysis | Feedback

  • Experian (EXPN)
  • TransUnion (TRU)
  • Equifax (EFX)
  • Visa (V)

AI Analysis | Feedback

Todd Schwartz, Chief Executive Officer, Executive Chairman, and Founder

Todd Schwartz co-founded OppFi in 2012. He served as CEO from its inception until 2015, then as Executive Chairman, before being re-appointed CEO in February 2022. Beyond OppFi, Schwartz is a Partner at Schwartz Capital Group, where he focuses on direct equity investments and collaborates with portfolio companies. He is also a Co-Founder of Strand Equity Partners, a growth equity firm specializing in consumer brands. Earlier in his career, he founded Beach Coast Properties, a multi-family real estate company, which successfully acquired, renovated, stabilized, and sold $40 million of real estate between 2007 and 2014. His background includes a family history of entrepreneurship; his father, Theodore Schwartz, founded APAC Customer Services, Inc., took it public in 1995, and later sold his remaining shares to JP Morgan in 2011.

Pamela Johnson, Chief Financial Officer

Pamela Johnson has served as OppFi's Chief Financial Officer since March 2022, having previously held the role of Chief Accounting Officer for the company. Before joining OppFi in 2021, she was the Chief Financial Officer of Heights Finance, an installment lender, from December 2010 to December 2020. She also held a CFO position at Pioneer Financial Services, Inc.

Christopher McKay, Chief Risk and Analytics Officer

Christopher McKay has been OppFi's Chief Risk and Analytics Officer since June 2013. Prior to his tenure at OppFi, he was a Senior Director of Partnership Analytics at Capital One and held several risk-related positions at HSBC.

Manuel Chagas, Chief Operating Officer

Manuel Chagas assumed the role of Chief Operating Officer at OppFi in April 2022. Previously, he spent eight years at Discover Financial Services, where he held various leadership roles overseeing product, marketing, and operations for their student loans business. Earlier in his career, Chagas worked as a consultant for McKinsey & Company and Accenture.

Yuri Ter-Saakyants, Chief Technology Officer

Yuri Ter-Saakyants serves as OppFi's Chief Technology Officer. Before joining OppFi, he was the Chief Technology Officer for Insureon from 2012 to 2020. His prior experience includes similar CTO roles at Mediaocean and Beeline Solutions.

AI Analysis | Feedback

Here are the key risks to OppFi's business:

  1. Regulatory Scrutiny and "True Lender" Challenges: OppFi's business model is significantly exposed to regulatory risks, particularly concerning its partnerships with out-of-state banks to offer high-APR installment loans. This model, sometimes referred to as a "rent-a-bank" scheme, allows loans to be originated at rates higher than many state caps. Regulators, such as California's Department of Financial Protection and Innovation (DFPI), have challenged OppFi, alleging that the company, not its bank partners, is the "true lender" and therefore subject to state interest rate limitations. This has led to lawsuits seeking to void loans and impose substantial penalties. Furthermore, there is ongoing concern about potential state or federal legislation that could impose national interest rate caps, which would significantly undermine OppFi's entire business model.
  2. Credit Risk and Economic Downturns: OppFi serves non-prime and underbanked borrowers, a demographic inherently associated with a higher risk of credit default and delinquencies. While OppFi has reported improvements in credit quality and risk mitigation strategies, the company remains highly susceptible to adverse macroeconomic conditions and economic downturns. A prolonged recession or increasing economic uncertainties could lead to rising delinquencies and charge-offs, which would negatively impact OppFi's financial performance. The effectiveness of their machine learning underwriting models in a severe economic downturn is also a concern.
  3. Intense Competition: OppFi operates in a highly competitive fintech and unsecured lending market. The company faces significant competition from both established financial institutions and other fintech lenders, some of whom may operate with lower-cost models. Maintaining market share and achieving growth in this environment necessitates continuous innovation and effective execution of its strategies, particularly as the subprime lending space continues to intensify.

AI Analysis | Feedback

null

AI Analysis | Feedback

OppFi (NYSE: OPFI) focuses on a significant addressable market of credit-insecure U.S. consumers for its main product, OppLoan.

OppLoan (Installment Loan Product)

The addressable market for OppFi's OppLoan, an installment loan product, is concentrated on approximately 60 million U.S. consumers who face credit insecurity and are unlikely to access credit through traditional options. The broader U.S. personal loan market, within which OppLoan operates, was cited as $257 billion.

SalaryTap (Payroll Deduction Secured Installment Loan Product)

Null

As of OppFi's latest filings, applications for new SalaryTap loans are not currently being accepted on their platform.

OppFi Card (Credit Card Product)

Null

As of OppFi's latest filings, applications for new OppFi Card accounts are not currently being accepted on their platform.

AI Analysis | Feedback

Here are 3-5 expected drivers of future revenue growth for OppFi (OPFI) over the next 2-3 years:

  1. Growth in Loan Originations, Receivables, and Yield: OppFi has demonstrated consistent growth in total net originations and ending receivables, which directly translates to increased revenue. For instance, in Q4 2025, total net originations increased 7.7% to a record $230.1 million, and ending receivables grew 16.0% year-over-year to $493.1 million. Additionally, the company has shown an ability to maintain or increase its revenue yield on its loan portfolio, with the full-year revenue yield inching up to 133% in 2025 from 131% in the prior year.
  2. Advancements in Underwriting Models: The ongoing development and implementation of advanced underwriting models, such as Model 6, Model 6.1, and Model 7.0, are expected to be significant revenue drivers. These models are designed to enhance risk pricing, improve underwriting capabilities, and increase auto-approval rates, thereby supporting sustained business growth. Model 6, for example, contributed to improved risk-based pricing and an auto-approval rate of 79% in Q4 2025, which aided an 8% year-over-year increase in originations.
  3. Launch of New Products: OppFi plans to expand its product offerings with the launch of a new line of credit product with bank partners in the summer of 2026. This new product is anticipated to serve new geographies and expand the company's market and customer base, contributing to revenue growth.
  4. Technological Innovation and Platform Migration: The company's migration to its next-generation origination and servicing system, known as LOLA, is expected to be substantially completed by Q3 2026. This technological advancement is projected to enhance automated approval efficiency, improve funnel metrics, strengthen overall operational capabilities, and integrate systems, leading to increased revenue and efficiency.

AI Analysis | Feedback

```html

Share Repurchases

  • OppFi authorized a share repurchase program for up to $20.0 million in Class A Common Stock on January 6, 2022, which expired in December 2023.
  • The company expanded its share repurchase program on August 26, 2025, by an additional $20 million, increasing the total authorization to $40 million, with this program set to expire in April 2027.
  • As of December 31, 2025, OppFi had repurchased 1,541,949 shares of Class A Common Stock for an aggregate of $15.5 million under the 2024 Repurchase Program, with $20.9 million remaining available. Additionally, under the buyback announced on April 9, 2024, the company completed the repurchase of 2,576,659 shares for $19.03 million.

Share Issuance

  • OppFi became a public company in 2021 through a business combination with FG New America Acquisition Corp., a special-purpose acquisition company (SPAC), with the transaction implying an equity value of approximately $800 million for the combined entity.
  • On July 20, 2021, OppFi established the OppFi Inc. 2021 Equity Incentive Plan, which authorized the issuance of up to 11,500,000 shares of Class A common stock for various awards to employees, non-employee directors, officers, and consultants.
  • As of April 28, 2022, 13,349,150 shares of Class A common stock and 96,338,474 shares of Class V common stock were issued and outstanding.

Inbound Investments

  • OppFi's transition to a public company in 2021 through a SPAC merger with FG New America Acquisition Corp. represented a significant inbound investment, with an implied equity valuation of approximately $800 million for the combined company at closing.

Outbound Investments

  • On August 1, 2024, OppFi made a strategic acquisition of a 35% equity interest in Bitty Advance, including its servicing business, to enter the small business financing market. The agreement includes options for OppFi to acquire an additional 30% for majority ownership in 2027 and the remaining equity for total ownership in 2030.

Capital Expenditures

  • OppFi invested $5.2 million in capital expenditures during the third quarter of 2025.
  • The company focuses its capital expenditures primarily on its technology platform, including its AI-driven underwriting systems (like Model 6.1 and the LOLA origination system) to improve customer experience, automate processes, and enhance risk management. This strategy leverages an "asset-light" business model that does not require OppFi to carry loan risk on its balance sheet.

Better Bets vs. OppFi (OPFI)

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1OppFi Earnings Notes12/16/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

OPFIENVAOMFUPSTWRLDBFHMedian
NameOppFi Enova In.OneMain Upstart World Ac.Bread Fi. 
Mkt Price8.77252.5563.1630.21186.84108.4185.78
Mkt Cap0.26.37.32.90.84.63.8
Rev LTM6093,4465,1271,2265413,8932,336
Op Inc LTM391466----428
FCF LTM3881,9533,232-3052602,1861,171
FCF 3Y Avg3341,6082,881-1772572,005971
CFO LTM4081,9993,232-2842662,1861,204
CFO 3Y Avg3491,6542,881-1622612,0091,001

Growth & Margins

OPFIENVAOMFUPSTWRLDBFHMedian
NameOppFi Enova In.OneMain Upstart World Ac.Bread Fi. 
Rev Chg LTM12.9%17.7%7.7%45.3%3.0%2.0%10.3%
Rev Chg 3Y Avg8.9%21.5%6.8%34.5%-0.3%-2.7%7.8%
Rev Chg Q8.3%21.6%6.6%41.7%3.8%4.9%7.4%
QoQ Delta Rev Chg LTM1.9%5.0%1.6%9.6%0.9%1.2%1.8%
Op Inc Chg LTM21.5%34.1%----27.8%
Op Inc Chg 3Y Avg17.1%23.4%----20.2%
Op Mgn LTM64.2%13.5%----38.8%
Op Mgn 3Y Avg59.4%11.8%----35.6%
QoQ Delta Op Mgn LTM0.1%0.5%----0.3%
CFO/Rev LTM67.1%58.0%63.0%-23.2%49.1%56.2%57.1%
CFO/Rev 3Y Avg62.7%56.5%60.5%-18.9%49.5%51.5%54.0%
FCF/Rev LTM63.8%56.7%63.0%-24.9%48.1%56.2%56.4%
FCF/Rev 3Y Avg60.1%54.9%60.5%-20.7%48.6%51.4%53.1%

Valuation

OPFIENVAOMFUPSTWRLDBFHMedian
NameOppFi Enova In.OneMain Upstart World Ac.Bread Fi. 
Mkt Cap0.26.37.32.90.84.63.8
P/S0.41.81.42.41.61.21.5
P/Op Inc0.613.5----7.0
P/EBIT0.613.5----7.0
P/E3.617.79.348.421.38.313.5
P/CFO0.63.12.3-10.33.22.12.2
Total Yield55.4%5.7%17.6%2.1%4.7%13.1%9.4%
Dividend Yield27.3%0.0%6.8%0.0%0.0%0.9%0.5%
FCF Yield 3Y Avg232.2%54.8%44.0%-5.7%30.9%67.8%49.4%
D/E1.30.83.10.70.80.80.8
Net D/E1.00.83.00.50.80.00.8

Returns

OPFIENVAOMFUPSTWRLDBFHMedian
NameOppFi Enova In.OneMain Upstart World Ac.Bread Fi. 
1M Rtn-7.1%6.1%8.4%-7.7%-6.5%12.3%-0.2%
3M Rtn-5.6%49.5%20.7%5.3%26.0%28.0%23.4%
6M Rtn-3.9%59.1%7.3%-22.2%55.2%39.9%23.6%
12M Rtn-18.5%145.0%21.5%-56.1%16.2%87.9%18.8%
3Y Rtn293.1%378.7%84.3%-9.8%28.3%179.9%132.1%
1M Excs Rtn-9.4%3.7%6.0%-10.1%-8.8%10.0%-2.5%
3M Excs Rtn-10.8%39.6%11.9%-0.5%20.0%19.7%15.8%
6M Excs Rtn-15.1%44.9%-3.7%-32.8%40.0%25.2%10.8%
12M Excs Rtn-37.6%123.6%-0.3%-78.8%-5.2%67.6%-2.8%
3Y Excs Rtn262.6%295.2%8.9%-127.9%-49.6%111.1%60.0%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment597526509453351
Total597526509453351


Operating Income by Segment
$ Mil202520242023
Single Segment1679546
Total1679546


Net Income by Segment
$ Mil202520242023
Single Segment267-1
Total267-1


Assets by Segment
$ Mil2020
Single Segment245
Total245


Price Behavior

Price Behavior
Market Price$8.77 
Market Cap ($ Bil)0.2 
First Trading Date11/20/2020 
Distance from 52W High-28.3% 
   50 Days200 Days
DMA Price$9.14$9.29
DMA Trenddownup
Distance from DMA-4.1%-5.6%
 3M1YR
Volatility49.4%43.3%
Downside Capture147.71154.19
Upside Capture94.1995.28
Correlation (SPY)22.4%36.9%
OPFI Betas & Captures as of 7/31/2026

 1M2M3M6M1Y3Y
Beta1.280.760.591.151.281.46
Up Beta-2.18-1.03-0.600.330.801.01
Down Beta0.630.751.041.181.551.45
Up Capture212%180%65%139%120%1194%
Bmk +ve Days11223567138427
Stock +ve Days10213066128369
Down Capture279%96%91%145%134%109%
Bmk -ve Days11212859114326
Stock -ve Days12223158120362

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with OPFI
OPFI-15.3%43.3%-0.26-
Sector ETF (XLF)13.9%14.6%0.6744.2%
Equity (SPY)23.4%12.8%1.3736.6%
Gold (GLD)28.7%28.4%0.886.0%
Commodities (DBC)37.2%20.1%1.46-19.1%
Real Estate (VNQ)12.4%13.8%0.6023.2%
Bitcoin (BTCUSD)-44.9%43.0%-1.2722.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with OPFI
OPFI0.1%67.4%0.28-
Sector ETF (XLF)11.5%18.4%0.4829.6%
Equity (SPY)13.5%17.2%0.6132.8%
Gold (GLD)18.9%18.6%0.834.7%
Commodities (DBC)9.2%19.6%0.365.6%
Real Estate (VNQ)2.1%18.9%0.0122.7%
Bitcoin (BTCUSD)10.6%52.9%0.3915.9%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with OPFI
OPFI-1.0%64.0%0.24-
Sector ETF (XLF)13.7%22.1%0.5627.9%
Equity (SPY)15.4%17.9%0.7331.8%
Gold (GLD)12.1%16.2%0.614.5%
Commodities (DBC)7.7%18.1%0.346.0%
Real Estate (VNQ)4.6%20.7%0.1822.1%
Bitcoin (BTCUSD)58.3%66.2%0.9814.3%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date7152026
Short Interest: Shares Quantity2.6 Mil
Short Interest: % Change Since 6302026-4.8%
Average Daily Volume0.7 Mil
Days-to-Cover Short Interest3.6 days
Basic Shares Quantity26.8 Mil
Short % of Basic Shares9.7%

Earnings Returns History

Updated 8/10/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
5/7/20261.4%-9.1%-14.8%
3/11/2026-5.9%-6.6%-11.3%
10/29/20253.8%-3.2%-2.3%
8/6/202513.4%8.0%4.6%
5/7/202511.8%28.1%39.7%
3/5/202510.8%-1.5%7.9%
11/7/2024-1.8%-0.8%3.3%
8/7/202413.3%38.6%24.5%
...
SUMMARY STATS   
# Positive13912
# Negative7118
Median Positive5.7%12.5%17.9%
Median Negative-5.9%-16.7%-13.0%
Max Positive13.4%38.6%80.3%
Max Negative-23.5%-33.5%-37.3%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
5/7/20261.4%-9.1%-14.8%
3/11/2026-5.9%-6.6%-11.3%
10/29/20253.8%-3.2%-2.3%
8/6/202513.4%8.0%4.6%
5/7/202511.8%28.1%39.7%
3/5/202510.8%-1.5%7.9%
11/7/2024-1.8%-0.8%3.3%
8/7/202413.3%38.6%24.5%
5/8/202411.9%9.6%17.4%
3/7/2024-23.5%-33.5%-32.5%
11/9/20233.8%28.6%80.3%
8/9/20233.1%12.5%18.3%
5/11/20233.4%10.7%9.8%
3/23/20232.1%9.0%1.6%
11/9/20225.7%21.8%26.4%
8/10/2022-4.2%-16.7%-15.1%
5/5/2022-4.5%-24.0%-6.5%
2/28/2022-11.6%-22.0%-8.4%
11/12/2021-11.2%-23.5%-37.3%
8/10/20216.3%-18.5%25.2%
SUMMARY STATS   
# Positive13912
# Negative7118
Median Positive5.7%12.5%17.9%
Median Negative-5.9%-16.7%-13.0%
Max Positive13.4%38.6%80.3%
Max Negative-23.5%-33.5%-37.3%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/07/202610-Q
12/31/202503/12/202610-K
09/30/202511/06/202510-Q
06/30/202508/07/202510-Q
03/31/202505/08/202510-Q
12/31/202403/11/202510-K
09/30/202411/08/202410-Q
06/30/202408/08/202410-Q
03/31/202405/09/202410-Q
12/31/202303/27/202410-K
09/30/202311/09/202310-Q
06/30/202308/09/202310-Q
03/31/202305/11/202310-Q
12/31/202203/29/202310-K
09/30/202211/09/202210-Q
06/30/202208/09/202210-Q
Collapse to Preview
Report DateFiling DateFiling
03/31/202605/07/202610-Q
12/31/202503/12/202610-K
09/30/202511/06/202510-Q
06/30/202508/07/202510-Q
03/31/202505/08/202510-Q
12/31/202403/11/202510-K
09/30/202411/08/202410-Q
06/30/202408/08/202410-Q
03/31/202405/09/202410-Q
12/31/202303/27/202410-K
09/30/202311/09/202310-Q
06/30/202308/09/202310-Q
03/31/202305/11/202310-Q
12/31/202203/29/202310-K
09/30/202211/09/202210-Q
06/30/202208/09/202210-Q
03/31/202205/06/202210-Q
12/31/202103/11/202210-K
09/30/202111/15/202110-Q
06/30/202108/10/202110-Q
03/31/202103/22/202310-Q/A
09/30/202003/22/202310-Q/A
12/31/201903/22/202310-K/A

Insider Activity

Updated 7/6/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1McKay, Christopher JChief Risk & Analytics OfficerDirectSell61620268.3523,683197,81512,638,010Form
2Favilla, Christina M Santo Favilla and Christina Favilla Joint Revocable TrustSell61020268.1430,000244,1761,275,714Form
3Vennettilli, David DirectSell506202610.0010,000100,0001,323,890Form
4Moore, Jocelyn DirectSell31620268.538,19069,861333,318Form
5Johnson, Pamela DCFODirectSell106202610.245,08452,0601,469,276Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1McKay, Christopher JChief Risk & Analytics OfficerDirectSell61620268.3523,683197,81512,638,010Form
2Favilla, Christina M Santo Favilla and Christina Favilla Joint Revocable TrustSell61020268.1430,000244,1761,275,714Form
3Vennettilli, David DirectSell506202610.0010,000100,0001,323,890Form
4Moore, Jocelyn DirectSell31620268.538,19069,861333,318Form
5Johnson, Pamela DCFODirectSell106202610.245,08452,0601,469,276Form
6Moore, Jocelyn DirectSell1215202510.914,46448,721515,871Form
7Moore, Jocelyn DirectSell112520259.2320,200186,385477,313Form
8Johnson, Pamela DCFODirectSell1105202510.001,12911,2901,533,920Form
9McKay, Christopher JChief Risk & Analytics OfficerDirectSell110520259.851,10710,9041,684,567Form
10McKay, Christopher JChief Risk & Analytics OfficerDirectSell1003202511.219,030101,2261,929,566Form
11Johnson, Pamela DCFODirectSell1003202511.215,49761,6211,732,180Form
12Schwartz, Theodore G LTHS Capital Group LPSell815202510.7829,809  Form
13Schwartz, Theodore G LTHS Revocable TrustSell815202510.7814,907  Form
14Schwartz, Theodore G LTHS Capital Group LPSell813202510.8068,213  Form
15Schwartz, Theodore G LTHS Revocable TrustSell813202510.8034,112  Form
16Schwartz, Theodore G LTHS Capital Group LPSell813202511.0868,637  Form
17Schwartz, Theodore G LTHS Revocable TrustSell813202511.0834,322  Form
18McKay, Christopher JChief Risk & Analytics OfficerDirectSell806202510.431,10611,5361,921,832Form
19Johnson, Pamela DCFODirectSell806202510.431,13011,7861,704,679Form
20Schwartz, Theodore G LTHS Capital Group LPSell715202512.0585,467  Form
21Schwartz, Theodore G LTHS Revocable TrustSell715202512.0542,721  Form
22Schwartz, Theodore G LTHS Capital Group LPSell715202512.7081,208  Form
23Schwartz, Theodore G LTHS Revocable TrustSell715202512.7040,604  Form
24Johnson, Pamela DCFODirectSell703202513.415,49573,6882,206,884Form
25McKay, Christopher JChief Risk & Analytics OfficerDirectSell703202513.419,030121,0922,485,758Form
Core Cache Last Updated: 8/10/2026