OppFi (OPFI)
Market Price (9/20/2026): $6.55 | Market Cap: $442.2 MilSector: Financials | Industry: Consumer Finance
OppFi (OPFI)
Market Price (9/20/2026): $6.55Market Cap: $442.2 MilSector: FinancialsIndustry: Consumer Finance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 31%, Dividend Yield is 7.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 27%, FCF Yield is 87% Attractive operating marginsOp Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is 63% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 66%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 63% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, and AI for Fraud Detection. | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 50% Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 113% Key risksOPFI 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. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 31%, Dividend Yield is 7.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 27%, FCF Yield is 87% |
| Attractive operating marginsOp Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is 63% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 66%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 63% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, and AI for Fraud Detection. |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 50% |
| Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 113% |
| Key risksOPFI 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. |
Qualitative Assessment
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OppFi (OPFI) stock has lost about 25% since 5/31/2026 because of the following key factors:
1. OppFi's fiscal Q2 2026 earnings significantly missed analyst expectations, leading to a sharp stock price decline. The company reported adjusted earnings per share (EPS) of $0.33 on August 10, 2026, missing analysts' consensus estimate of $0.45 by 26.67%. Quarterly revenue also fell short at $86.17 million, compared to expectations of $155.89 million. Following this earnings report, OppFi's stock price dropped by 24.86% on August 11, 2026. Adjusted net income for fiscal Q2 2026 decreased by 27% to $28.8 million.
2. Deteriorating credit quality, evidenced by elevated charge-offs, negatively impacted profitability. In fiscal Q2 2026, elevated charge-offs increased to 52.3% of average receivables. This continued a trend from fiscal Q1 2026, where net charge-offs rose to 42% from 35% in the prior year, reflecting tougher macroeconomic conditions for consumer lenders and directly affecting the company's financial performance.
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OppFi (OPFI) stock has lost about 25% since 5/31/2026 because of the following key factors:
1. OppFi's fiscal Q2 2026 earnings significantly missed analyst expectations, leading to a sharp stock price decline. The company reported adjusted earnings per share (EPS) of $0.33 on August 10, 2026, missing analysts' consensus estimate of $0.45 by 26.67%. Quarterly revenue also fell short at $86.17 million, compared to expectations of $155.89 million. Following this earnings report, OppFi's stock price dropped by 24.86% on August 11, 2026. Adjusted net income for fiscal Q2 2026 decreased by 27% to $28.8 million.
2. Deteriorating credit quality, evidenced by elevated charge-offs, negatively impacted profitability. In fiscal Q2 2026, elevated charge-offs increased to 52.3% of average receivables. This continued a trend from fiscal Q1 2026, where net charge-offs rose to 42% from 35% in the prior year, reflecting tougher macroeconomic conditions for consumer lenders and directly affecting the company's financial performance.
3. Increased operating costs and professional fees contributed to a reduction in core profitability. Higher operating expenses, including increased professional fees associated with the pending BNCCORP acquisition, weighed on OppFi's core profitability during fiscal Q2 2026. These increased costs were a factor in the 27% decline in adjusted net income reported for the quarter.
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Stock Movement Drivers
Fundamental Drivers
The -23.1% change in OPFI stock from 5/31/2026 to 9/19/2026 was primarily driven by a -60.3% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 5312026 | 9192026 | Change |
|---|---|---|---|
| Stock Price ($) | 8.49 | 6.53 | -23.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 609 | 611 | 0.4% |
| Net Income Margin (%) | 10.9% | 16.6% | 53.2% |
| P/E Multiple | 3.4 | 4.3 | 26.0% |
| Shares Outstanding (Mil) | 27 | 68 | -60.3% |
| Cumulative Contribution | -23.1% |
Market Drivers
5/31/2026 to 9/19/2026| Return | Correlation | |
|---|---|---|
| OPFI | -23.1% | |
| Market (SPY) | 0.9% | 22.8% |
| Sector (XLF) | 8.3% | 32.9% |
Fundamental Drivers
The -28.9% change in OPFI stock from 2/28/2026 to 9/19/2026 was primarily driven by a -93.5% change in the company's P/E Multiple.| (LTM values as of) | 2282026 | 9192026 | Change |
|---|---|---|---|
| Stock Price ($) | 9.18 | 6.53 | -28.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 574 | 611 | 6.6% |
| Net Income Margin (%) | 0.7% | 16.6% | 2363.2% |
| P/E Multiple | 66.7 | 4.3 | -93.5% |
| Shares Outstanding (Mil) | 28 | 68 | -58.3% |
| Cumulative Contribution | -28.9% |
Market Drivers
2/28/2026 to 9/19/2026| Return | Correlation | |
|---|---|---|
| OPFI | -28.9% | |
| Market (SPY) | 11.6% | 29.0% |
| Sector (XLF) | 9.2% | 36.4% |
Fundamental Drivers
The -36.0% change in OPFI stock from 8/31/2025 to 9/19/2026 was primarily driven by a -60.6% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 8312025 | 9192026 | Change |
|---|---|---|---|
| Stock Price ($) | 10.21 | 6.53 | -36.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 555 | 611 | 10.2% |
| P/S Multiple | 0.5 | 0.7 | 47.3% |
| Shares Outstanding (Mil) | 27 | 68 | -60.6% |
| Cumulative Contribution | -36.0% |
Market Drivers
8/31/2025 to 9/19/2026| Return | Correlation | |
|---|---|---|
| OPFI | -36.0% | |
| Market (SPY) | 19.4% | 34.2% |
| Sector (XLF) | 4.7% | 39.1% |
Fundamental Drivers
The 172.3% change in OPFI stock from 8/31/2023 to 9/19/2026 was primarily driven by a 1535.1% change in the company's Net Income Margin (%).| (LTM values as of) | 8312023 | 9192026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.40 | 6.53 | 172.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 487 | 611 | 25.5% |
| Net Income Margin (%) | 1.0% | 16.6% | 1535.1% |
| P/E Multiple | 7.6 | 4.3 | -42.7% |
| Shares Outstanding (Mil) | 16 | 68 | -76.8% |
| Cumulative Contribution | 172.3% |
Market Drivers
8/31/2023 to 9/19/2026| Return | Correlation | |
|---|---|---|
| OPFI | 172.3% | |
| Market (SPY) | 75.6% | 33.4% |
| Sector (XLF) | 69.8% | 30.2% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| OPFI Return | -55% | -55% | 150% | 56% | 41% | -33% | -26% |
| Peers Return | 102% | -48% | 81% | 43% | 25% | 9% | 268% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 103% |
Monthly Win Rates [3] | |||||||
| OPFI Win Rate | 25% | 25% | 50% | 67% | 58% | 33% | |
| Peers Win Rate | 58% | 32% | 60% | 52% | 57% | 53% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 44% | |
Max Drawdowns [4] | |||||||
| OPFI Max Drawdown | -62% | -69% | -28% | -54% | -52% | -37% | |
| Peers Max Drawdown | -35% | -63% | -44% | -25% | -37% | -31% | |
| 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 9/18/2026 (YTD)
How Low Can It Go
| Event | OPFI | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -29.7% | -18.8% |
| % Gain to Breakeven | 42.2% | 23.1% |
| Time to Breakeven | 30 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -22.3% | -6.7% |
| % Gain to Breakeven | 28.7% | 7.1% |
| Time to Breakeven | 57 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -58.7% | -24.5% |
| % Gain to Breakeven | 142.0% | 32.4% |
| Time to Breakeven | 438 days | 427 days |
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.
| Event | OPFI | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -29.7% | -18.8% |
| % Gain to Breakeven | 42.2% | 23.1% |
| Time to Breakeven | 30 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -22.3% | -6.7% |
| % Gain to Breakeven | 28.7% | 7.1% |
| Time to Breakeven | 57 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -58.7% | -24.5% |
| % Gain to Breakeven | 142.0% | 32.4% |
| Time to Breakeven | 438 days | 427 days |
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.
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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.)
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- OppLoan: An installment loan product.
- SalaryTap: A payroll deduction secured installment loan product.
- OppFi Card: A credit card product.
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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
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- Experian (EXPN)
- TransUnion (TRU)
- Equifax (EFX)
- Visa (V)
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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.
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Here are the key risks to OppFi's business:
- 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.
- 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.
- 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.
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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.
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Here are 3-5 expected drivers of future revenue growth for OppFi (OPFI) over the next 2-3 years:
- 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.
- 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.
- 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.
- 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.
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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.
Peer Outperformance in Consumer Finance
| Ticker | Name | Rev Growth 3Y Avg | P/E | 1Y | 3Y | 5Y | 5Y Gap |
|---|---|---|---|---|---|---|---|
| OPFI | OppFi | 7.9% | 4.3x | -44.4% | 169.2% | -9.4% | — |
| AGM | Federal Agricultural Mortgage | 11.7% | 10.5x | 24.6% | 48.4% | 158.1% | +167pp |
| AXP | American Express | 10.0% | 18.5x | -7.7% | 105.2% | 106.2% | +116pp |
| SYF | Synchrony Financial | 6.7% | 7.1x | -0.4% | 148.0% | 77.4% | +87pp |
| NNI | Nelnet | 9.0% | 15.0x | 0.2% | 43.3% | 68.8% | +78pp |
| OMF | OneMain | 6.8% | 9.0x | 7.4% | 89.6% | 68.4% | +78pp |
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 24.2% | 69.4% | 131.5% | SPNT 168% · RGA 148% · RNR 137% |
| Investment Banking & Brokerage | 13 | -1.7% | 101.3% | 116.9% | IBKR 524% · SNEX 253% · HOOD 194% |
| Diversified Banks | 12 | 27.5% | 126.2% | 116.7% | CM 161% · JPM 159% · RY 148% |
| Life & Health Insurance | 20 | 8.6% | 55.4% | 105.0% | JXN 545% · UNM 364% · FG 207% |
| Multi-Sector Holdings | 4 | 6.8% | 48.5% | 85.7% | JONE 361% · BRK-B 86% · VOYA 85% |
| Regional Banks | 265 | 23.9% | 90.9% | 67.3% | ESQ 387% · GCBC 342% · VBNK 335% |
| Property & Casualty Insurance | 42 | 9.6% | 65.9% | 66.8% | ASIC 2760900% · HRTG 460% · UVE 321% |
| Multi-line Insurance | 9 | 8.8% | 72.1% | 63.7% | GNW 197% · L 110% · SLF 103% |
| Financial Exchanges & Data | 15 | -0.1% | 13.1% | 32.9% | VIRT 183% · CBOE 139% · CME 81% |
| Diversified Financial Services | 4 | -7.3% | 16.8% | 32.0% | FRHC 173% · EQH 118% · TMS -54% |
| Consumer Finance ← | 30 | 1.7% | 85.7% | 29.3% | ENVA 458% · EZPW 338% · FCFS 169% |
| Insurance Brokers | 16 | -15.1% | -6.9% | 20.9% | LIFE 252% · ARX 87% · AJG 73% |
| Asset Management & Custody Banks | 84 | -11.7% | 15.2% | 12.8% | WT 338% · SII 278% · VCTR 273% |
| Commercial & Residential Mortgage Finance | 14 | -50.2% | 26.4% | 12.3% | FNMA 473% · FMCC 441% · ACT 206% |
| Specialized Finance | 3 | 14.0% | 37.3% | -3.4% | EFC 27% · CACC -3% · HASI -15% |
| Mortgage REITs | 33 | -13.0% | 4.7% | -15.7% | NREF 53% · RITM 42% · DX 34% |
| Transaction & Payment Processing Services | 15 | -1.0% | -8.4% | -44.2% | V 74% · MA 71% · CPAY 56% |
| Diversified Capital Markets | 20 | -36.3% | 17.2% | -56.0% | OPY 197% · LPLA 135% · GOLD 94% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 84.67 |
| Mkt Cap | 3.4 |
| Rev LTM | 2,336 |
| Op Inc LTM | 427 |
| FCF LTM | 1,169 |
| FCF 3Y Avg | 974 |
| CFO LTM | 1,202 |
| CFO 3Y Avg | 1,005 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.9% |
| Rev Chg 3Y Avg | 7.3% |
| Rev Chg Q | 6.7% |
| QoQ Delta Rev Chg LTM | 1.6% |
| Op Inc Chg LTM | 24.1% |
| Op Inc Chg 3Y Avg | 19.6% |
| Op Mgn LTM | 38.4% |
| Op Mgn 3Y Avg | 35.8% |
| QoQ Delta Op Mgn LTM | -0.2% |
| CFO/Rev LTM | 56.7% |
| CFO/Rev 3Y Avg | 54.7% |
| FCF/Rev LTM | 56.0% |
| FCF/Rev 3Y Avg | 53.8% |
Price Behavior
| Market Price | $6.53 | |
| Market Cap ($ Bil) | 0.4 | |
| First Trading Date | 11/20/2020 | |
| Distance from 52W High | -46.7% | |
| 50 Days | 200 Days | |
| DMA Price | $8.14 | $8.94 |
| DMA Trend | down | down |
| Distance from DMA | -19.8% | -27.0% |
| 3M | 1YR | |
| Volatility | 69.8% | 50.0% |
| Downside Capture | 429.76 | 224.55 |
| Upside Capture | 253.46 | 117.92 |
| Correlation (SPY) | 25.7% | 34.4% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 2.61 | 1.76 | 1.03 | 1.10 | 1.29 | 1.48 |
| Up Beta | 0.78 | -0.52 | -0.47 | 0.32 | 0.77 | 1.02 |
| Down Beta | -3.85 | -1.20 | -0.36 | 0.62 | 1.36 | 1.38 |
| Up Capture | 155% | 188% | 178% | 114% | 111% | 1108% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 8 | 17 | 29 | 63 | 126 | 361 |
| Down Capture | 899% | 472% | 237% | 181% | 148% | 111% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 13 | 25 | 35 | 62 | 121 | 368 |
[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 | -44.4% | 50.0% | -0.99 | - |
| Sector ETF (XLF) | 4.5% | 14.6% | 0.08 | 39.4% |
| Equity (SPY) | 16.9% | 12.9% | 0.94 | 34.5% |
| Gold (GLD) | 19.1% | 29.3% | 0.60 | 7.5% |
| Commodities (DBC) | 46.3% | 20.6% | 1.73 | -18.1% |
| Real Estate (VNQ) | 4.9% | 13.6% | 0.10 | 30.5% |
| Bitcoin (BTCUSD) | -30.6% | 44.3% | -0.70 | 16.8% |
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 | |
|---|---|---|---|---|
| OPFI | -6.9% | 67.1% | 0.17 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 29.9% |
| Equity (SPY) | 12.9% | 17.2% | 0.57 | 33.1% |
| Gold (GLD) | 19.1% | 18.8% | 0.83 | 5.1% |
| Commodities (DBC) | 11.2% | 19.5% | 0.45 | 5.0% |
| Real Estate (VNQ) | 1.1% | 18.8% | -0.05 | 23.4% |
| Bitcoin (BTCUSD) | 12.5% | 52.5% | 0.42 | 17.2% |
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 | -3.9% | 64.5% | 0.16 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 27.6% |
| Equity (SPY) | 15.1% | 18.0% | 0.72 | 31.7% |
| Gold (GLD) | 12.1% | 16.4% | 0.61 | 4.9% |
| Commodities (DBC) | 8.3% | 18.1% | 0.37 | 5.5% |
| Real Estate (VNQ) | 4.4% | 20.7% | 0.18 | 22.3% |
| Bitcoin (BTCUSD) | 62.6% | 66.2% | 1.02 | 14.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Updated 9/11/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 8/10/2026 | -24.9% | -20.0% | -14.1% |
| 5/7/2026 | 1.4% | -9.1% | -14.8% |
| 3/11/2026 | -5.9% | -6.6% | -11.3% |
| 10/29/2025 | 3.8% | -3.2% | -2.3% |
| 8/6/2025 | 13.4% | 8.0% | 4.6% |
| 5/7/2025 | 11.8% | 28.1% | 39.7% |
| 3/5/2025 | 10.8% | -1.5% | 7.9% |
| 11/7/2024 | -1.8% | -0.8% | 3.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 9 | 12 |
| # Negative | 8 | 12 | 9 |
| Median Positive | 5.7% | 12.5% | 17.9% |
| Median Negative | -8.5% | -17.6% | -14.1% |
| Max Positive | 13.4% | 38.6% | 80.3% |
| Max Negative | -24.9% | -33.5% | -37.3% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 8/10/2026 | -24.9% | -20.0% | -14.1% |
| 5/7/2026 | 1.4% | -9.1% | -14.8% |
| 3/11/2026 | -5.9% | -6.6% | -11.3% |
| 10/29/2025 | 3.8% | -3.2% | -2.3% |
| 8/6/2025 | 13.4% | 8.0% | 4.6% |
| 5/7/2025 | 11.8% | 28.1% | 39.7% |
| 3/5/2025 | 10.8% | -1.5% | 7.9% |
| 11/7/2024 | -1.8% | -0.8% | 3.3% |
| 8/7/2024 | 13.3% | 38.6% | 24.5% |
| 5/8/2024 | 11.9% | 9.6% | 17.4% |
| 3/7/2024 | -23.5% | -33.5% | -32.5% |
| 11/9/2023 | 3.8% | 28.6% | 80.3% |
| 8/9/2023 | 3.1% | 12.5% | 18.3% |
| 5/11/2023 | 3.4% | 10.7% | 9.8% |
| 3/23/2023 | 2.1% | 9.0% | 1.6% |
| 11/9/2022 | 5.7% | 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% |
| 8/10/2021 | 6.3% | -18.5% | 25.2% |
| SUMMARY STATS | |||
| # Positive | 13 | 9 | 12 |
| # Negative | 8 | 12 | 9 |
| Median Positive | 5.7% | 12.5% | 17.9% |
| Median Negative | -8.5% | -17.6% | -14.1% |
| Max Positive | 13.4% | 38.6% | 80.3% |
| Max Negative | -24.9% | -33.5% | -37.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/10/2026 | 10-Q |
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/12/2026 | 10-K |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/11/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/27/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/11/2023 | 10-Q |
| 12/31/2022 | 03/29/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/10/2026 | 10-Q |
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/12/2026 | 10-K |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/11/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/27/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/11/2023 | 10-Q |
| 12/31/2022 | 03/29/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 03/11/2022 | 10-K |
| 09/30/2021 | 11/15/2021 | 10-Q |
| 06/30/2021 | 08/10/2021 | 10-Q |
| 03/31/2021 | 03/22/2023 | 10-Q/A |
| 09/30/2020 | 03/22/2023 | 10-Q/A |
| 12/31/2019 | 03/22/2023 | 10-K/A |
Insider Activity
Updated 9/15/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9152026 | 7.80 | 1,940 | 15,125 | 5,004,365 | Form |
| 2 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9152026 | 7.96 | 3,300 | 26,281 | 5,096,562 | Form |
| 3 | Johnson, Pamela D | CFO | Direct | Sell | 9152026 | 8.02 | 8,650 | 69,365 | 1,211,197 | Form |
| 4 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9112026 | 7.56 | 3,350 | 25,314 | 4,810,779 | Form |
| 5 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9102026 | 7.59 | 3,450 | 26,190 | 4,807,694 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9152026 | 7.80 | 1,940 | 15,125 | 5,004,365 | Form |
| 2 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9152026 | 7.96 | 3,300 | 26,281 | 5,096,562 | Form |
| 3 | Johnson, Pamela D | CFO | Direct | Sell | 9152026 | 8.02 | 8,650 | 69,365 | 1,211,197 | Form |
| 4 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9112026 | 7.56 | 3,350 | 25,314 | 4,810,779 | Form |
| 5 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9102026 | 7.59 | 3,450 | 26,190 | 4,807,694 | Form |
| 6 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9092026 | 7.41 | 3,475 | 25,737 | 4,664,854 | Form |
| 7 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9082026 | 7.35 | 3,500 | 25,741 | 4,606,859 | Form |
| 8 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9042026 | 7.33 | 3,450 | 25,305 | 4,568,722 | Form |
| 9 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9032026 | 7.15 | 3,550 | 25,377 | 4,428,017 | Form |
| 10 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9022026 | 6.91 | 3,550 | 24,542 | 4,257,784 | Form |
| 11 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 9012026 | 6.93 | 3,550 | 24,611 | 4,245,060 | Form |
| 12 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8312026 | 7.15 | 3,500 | 25,018 | 4,351,520 | Form |
| 13 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8282026 | 7.13 | 3,550 | 25,312 | 4,315,668 | Form |
| 14 | McKay, Christopher J | Chief Risk & Analytics Officer | Direct | Sell | 8282026 | 7.18 | 77,850 | 558,800 | 10,275,013 | Form |
| 15 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8272026 | 7.19 | 3,500 | 25,163 | 4,326,039 | Form |
| 16 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8262026 | 7.25 | 3,475 | 25,205 | 4,339,044 | Form |
| 17 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8252026 | 7.15 | 3,475 | 24,831 | 4,249,843 | Form |
| 18 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8242026 | 7.07 | 3,550 | 25,104 | 4,181,258 | Form |
| 19 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8202026 | 7.16 | 3,500 | 25,053 | 4,182,356 | Form |
| 20 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8192026 | 7.04 | 3,550 | 24,990 | 4,088,422 | Form |
| 21 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8182026 | 7.00 | 3,500 | 24,510 | 4,042,247 | Form |
| 22 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8142026 | 7.20 | 20,000 | 144,012 | 4,131,222 | Form |
| 23 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8132026 | 7.13 | 60,000 | 427,680 | 3,947,009 | Form |
| 24 | Schwartz, Todd G | Chief Executive Officer | TGS Revocable Trust | Buy | 8122026 | 7.05 | 60,000 | 422,988 | 3,480,719 | Form |
| 25 | McKay, Christopher J | Chief Risk & Analytics Officer | Direct | Sell | 6162026 | 8.35 | 23,683 | 197,815 | 12,638,010 | Form |
| 26 | Favilla, Christina M | Santo Favilla and Christina Favilla Joint Revocable Trust | Sell | 6102026 | 8.14 | 30,000 | 244,176 | 1,275,714 | Form | |
| 27 | Vennettilli, David | Direct | Sell | 5062026 | 10.00 | 10,000 | 100,000 | 1,323,890 | Form | |
| 28 | Moore, Jocelyn | Direct | Sell | 3162026 | 8.53 | 8,190 | 69,861 | 333,318 | Form | |
| 29 | Johnson, Pamela D | CFO | Direct | Sell | 1062026 | 10.24 | 5,084 | 52,060 | 1,469,276 | Form |
| 30 | Moore, Jocelyn | Direct | Sell | 12152025 | 10.91 | 4,464 | 48,721 | 515,871 | Form | |
| 31 | Moore, Jocelyn | Direct | Sell | 11252025 | 9.23 | 20,200 | 186,385 | 477,313 | Form | |
| 32 | Johnson, Pamela D | CFO | Direct | Sell | 11052025 | 10.00 | 1,129 | 11,290 | 1,533,920 | Form |
| 33 | McKay, Christopher J | Chief Risk & Analytics Officer | Direct | Sell | 11052025 | 9.85 | 1,107 | 10,904 | 1,684,567 | Form |
| 34 | McKay, Christopher J | Chief Risk & Analytics Officer | Direct | Sell | 10032025 | 11.21 | 9,030 | 101,226 | 1,929,566 | Form |
| 35 | Johnson, Pamela D | CFO | Direct | Sell | 10032025 | 11.21 | 5,497 | 61,621 | 1,732,180 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Consumer Finance Resources |
| Consumer Financial Protection Bureau (CFPB) |
| InsideARM |
| The Nilson Report |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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