OppFi (NYSE:OPFI) Hits New 52-Week Low on Disappointing Earnings

OppFi Inc. (NYSE:OPFI)’s stock price hit a new 52-week low during trading on Tuesday following a weaker than expected earnings announcement. The company traded as low as $6.84 and last traded at $7.0620, with a volume of 896401 shares trading hands. The stock had previously closed at $8.77.

The company reported $0.33 earnings per share for the quarter, missing the consensus estimate of $0.44 by ($0.11). OppFi had a net margin of 10.86% and a return on equity of 39.90%. The firm had revenue of $86.17 million during the quarter, compared to analyst estimates of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS.

Key Stories Impacting OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: OppFi reported second-quarter revenue of $145.2 million, up 1.9% year over year and a company record for the period. Net income rose 36% to $15.6 million, suggesting continued profitability and operating resilience. OppFi Reports Second Quarter 2026 Results
• Positive Sentiment: The company’s Form 10-Q filing showed increased assets and reduced debt, which may support financial flexibility and strengthen the balance sheet. OppFi Q2 2026 Form 10-Q Filing
• Negative Sentiment: Adjusted earnings were $0.33 per share, below analyst expectations ranging from $0.44 to $0.48 and down from $0.45 a year earlier. The earnings miss indicates that revenue growth is not translating into profits at the pace investors expected. OppFi Q2 Earnings Miss Estimates
• Negative Sentiment: Lower loan originations weighed on quarterly earnings, raising concerns about demand, loan growth and future revenue momentum.
• Negative Sentiment: OppFi reduced its fiscal 2026 outlook to $1.34–$1.51 in EPS and $600–$625 million in revenue, below consensus estimates of $1.79 EPS and $658.3 million revenue. The guidance reduction is the primary catalyst for the stock’s decline and suggests analysts may need to lower forecasts further. OppFi Lower Originations and Guidance

Analyst Upgrades and Downgrades

OPFI has been the topic of a number of recent analyst reports. Weiss Ratings reiterated a “hold (c)” rating on shares of OppFi in a report on Friday. Citizens Jmp decreased their target price on OppFi from $15.00 to $11.00 and set a “market outperform” rating for the company in a research note on Tuesday. Wall Street Zen downgraded OppFi from a “strong-buy” rating to a “buy” rating in a report on Saturday. Citigroup reiterated a “market outperform” rating on shares of OppFi in a research note on Tuesday. Finally, Stephens cut their price objective on shares of OppFi from $11.00 to $9.50 and set an “equal weight” rating on the stock in a report on Tuesday. Two investment analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the company’s stock. According to data from MarketBeat, the company presently has a consensus rating of “Hold” and an average price target of $10.25.

Insider Buying and Selling

In other OppFi news, Director Christina M. Favilla sold 30,000 shares of the business’s stock in a transaction that occurred on Monday, June 8th. The stock was sold at an average price of $8.14, for a total value of $244,200.00. Following the completion of the sale, the director owned 156,737 shares in the company, valued at approximately $1,275,839.18. The trade was a 16.07% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this hyperlink. 70.20% of the stock is currently owned by company insiders.

Hedge Funds Weigh In On OppFi

Institutional investors have recently modified their holdings of the business. Quarry LP boosted its stake in OppFi by 669.2% during the 3rd quarter. Quarry LP now owns 3,492 shares of the company’s stock worth $40,000 after purchasing an additional 3,038 shares during the period. Russell Investments Group Ltd. lifted its position in OppFi by 217.6% during the 2nd quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company’s stock worth $65,000 after acquiring an additional 3,207 shares during the period. Quantbot Technologies LP lifted its position in OppFi by 20.8% during the 2nd quarter. Quantbot Technologies LP now owns 8,663 shares of the company’s stock worth $121,000 after acquiring an additional 1,494 shares during the period. Kemnay Advisory Services Inc. purchased a new position in shares of OppFi in the 4th quarter valued at approximately $95,000. Finally, Jain Global LLC purchased a new position in shares of OppFi in the 4th quarter valued at approximately $112,000. 7.10% of the stock is owned by institutional investors and hedge funds.

OppFi Trading Down 18.1%

The company has a market capitalization of $613.70 million, a PE ratio of 7.72 and a beta of 1.77. The firm has a 50 day simple moving average of $9.10 and a two-hundred day simple moving average of $8.88.

OppFi Company Profile

OppFi (NYSE: OPFI) is a financial technology company that provides digital lending and credit solutions designed to meet the needs of near-prime consumers in the United States. Through its technology-driven platform, OppFi offers unsecured installment loans under the OppLoans brand, allowing borrowers to access credit online or via mobile devices. The company leverages proprietary data analytics and machine learning models to assess credit risk, streamline underwriting processes and deliver personalized loan products with transparent terms.

Headquartered in Chicago, Illinois, OppFi was founded in 2013 with a mission to increase financial inclusion for underserved and underbanked populations.