Northland Securities Has Negative View of OppFi Q3 Earnings

OppFi Inc. (NYSE:OPFI) – Research analysts at Northland Securities decreased their Q3 2027 earnings per share estimates for shares of OppFi in a research note issued on Tuesday, November 3rd. Northland Securities analyst M. Grondahl now forecasts that the company will earn $0.38 per share for the quarter, down from their previous estimate of $0.57. The consensus estimate for OppFi’s current full-year earnings is $1.36 per share. Northland Securities also issued estimates for OppFi’s Q4 2027 earnings at $0.38 EPS, FY2027 earnings at $1.44 EPS, Q1 2028 earnings at $0.38 EPS, Q2 2028 earnings at $0.37 EPS, Q3 2028 earnings at $0.39 EPS and FY2028 earnings at $1.55 EPS.

Other research analysts have also recently issued reports about the stock. Weiss Ratings reaffirmed a “hold (c)” rating on shares of OppFi in a report on Friday, August 7th. Wall Street Zen lowered shares of OppFi from a “buy” rating to a “hold” rating in a research note on Sunday, August 16th. Stephens dropped 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, August 11th. Citizens Jmp restated a “market outperform” rating and issued a $11.00 target price on shares of OppFi in a report on Wednesday, August 26th. Finally, UBS Group set a $11.00 target price on OppFi in a research note on Wednesday, August 26th. Two equities research analysts have rated the stock with a Buy rating and four have assigned a Hold rating to the stock. Based on data from MarketBeat.com, OppFi presently has a consensus rating of “Hold” and a consensus target price of $10.50.

OppFi Stock Performance

NYSE OPFI opened at $6.34 on Thursday. The firm has a 50-day moving average of $6.36 and a 200-day moving average of $8.17. The stock has a market cap of $540.66 million, a PE ratio of 4.17 and a beta of 1.95. OppFi has a 52-week low of $5.36 and a 52-week high of $11.69.

OppFi (NYSE:OPFI) last issued its earnings results on Tuesday, October 27th. The company reported $0.37 earnings per share for the quarter, topping analysts’ consensus estimates of $0.36 by $0.01. The business had revenue of $92.75 million for the quarter, compared to the consensus estimate of $152.10 million. OppFi had a net margin of 15.62% and a return on equity of 26.61%.

Insider Buying and Selling

In related news, insider Christopher Mckay sold 77,850 shares of OppFi stock in a transaction on Wednesday, August 26th. The shares were sold at an average price of $7.18, for a total value of $558,963.00. Following the sale, the insider owned 1,431,479 shares in the company, valued at $10,278,019.22. The trade was a 5.16% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is available at this link. Also, CEO Todd Schwartz acquired 3,300 shares of OppFi stock in a transaction on Friday, September 11th. The shares were bought at an average cost of $7.96 per share, for a total transaction of $26,268.00. Following the completion of the transaction, the chief executive officer owned 639,958 shares in the company, valued at approximately $5,094,065.68. This trade represents a 0.52% increase in their position. The disclosure for this purchase is available in the SEC filing. Over the last quarter, insiders acquired 130,640 shares of company stock valued at $936,475 and sold 114,985 shares valued at $832,289. 70.20% of the stock is currently owned by insiders.

Institutional Trading of OppFi

Hedge funds and other institutional investors have recently modified their holdings of the business. Wellington Management Group LLP boosted its stake in OppFi by 14.8% during the second quarter. Wellington Management Group LLP now owns 3,019,250 shares of the company’s stock worth $29,981,000 after acquiring an additional 389,082 shares in the last quarter. Globeflex Capital L P purchased a new stake in OppFi in the second quarter worth about $3,240,000. PL Capital Advisors LLC purchased a new stake in OppFi in the second quarter worth about $2,979,000. Arrowstreet Capital Limited Partnership increased its stake in shares of OppFi by 208.1% during the first quarter. Arrowstreet Capital Limited Partnership now owns 211,667 shares of the company’s stock valued at $1,632,000 after purchasing an additional 142,971 shares in the last quarter. Finally, Dimensional Fund Advisors LP increased its stake in shares of OppFi by 50.0% during the first quarter. Dimensional Fund Advisors LP now owns 426,089 shares of the company’s stock valued at $3,285,000 after purchasing an additional 141,949 shares in the last quarter. 7.10% of the stock is owned by hedge funds and other institutional investors.

Trending Headlines about OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: OppFi reaffirmed its 2026 guidance when it announced the withdrawal of its regulatory applications for the BNC deal, offering some reassurance that its near-term outlook remains intact. OppFi Provides Update on Pending BNC Acquisition
• Neutral Sentiment: Management plans to attend three investor conferences in November, including a fireside chat at the Stephens Annual Investment Conference. The events may provide investors with additional insight but do not represent a change to the company’s outlook. OppFi to Participate in November 2026 Conferences
• Negative Sentiment: Northland Securities substantially cut its EPS estimates for OppFi’s future periods: its FY2027 forecast fell to $1.44 from $2.00, and FY2028 to $1.55 from $2.60. It also reduced estimates for multiple quarters in 2027 and 2028, signaling a weaker earnings outlook that could weigh on investor sentiment. OppFi analyst estimates
• Negative Sentiment: OppFi withdrew its applications to federal banking regulators for its proposed acquisition of BNCCORP and BNC National Bank. The move creates uncertainty around the transaction and its potential strategic benefits; the announcement did not say the deal itself had been terminated. OppFi Provides Update on Pending BNC Acquisition

About OppFi

OppFi Inc is a financial technology company that provides access to credit for consumers who may have limited or impaired credit histories. Through its digital platform, the company offers personal installment loans and related financial products designed to provide borrowers with a structured repayment schedule and access to funds for everyday financial needs.

OppFi’s primary brand, OppLoans, uses technology and data-driven underwriting to deliver financial services online. The company has also offered products such as the OppFi Card and other credit-building or cash-flow management solutions, subject to availability and applicable regulatory requirements.