OppFi (NYSE:OPFI) Issues FY 2026 Earnings Guidance

OppFi (NYSE:OPFI) updated its FY 2026 earnings guidance on Wednesday. The company provided earnings per share (EPS) guidance of 1.760-1.840 for the period, compared to the consensus estimate of 1.720. The company issued revenue guidance of $650.0 million-$675.0 million, compared to the consensus revenue estimate of $658.6 million.

Wall Street Analysts Forecast Growth

OPFI has been the topic of a number of analyst reports. Weiss Ratings reissued a “sell (d+)” rating on shares of OppFi in a research report on Monday, December 29th. Zacks Research lowered OppFi from a “strong-buy” rating to a “hold” rating in a research report on Monday, December 29th. One analyst has rated the stock with a Buy rating, two have issued a Hold rating and one has given a Sell rating to the company. According to MarketBeat, OppFi has a consensus rating of “Hold” and an average price target of $14.00.

OppFi Stock Performance

Shares of OPFI stock opened at $8.69 on Thursday. OppFi has a one year low of $7.54 and a one year high of $15.03. The company’s 50-day moving average is $9.51 and its 200 day moving average is $10.08. The company has a market capitalization of $750.06 million, a price-to-earnings ratio of -11.58 and a beta of 1.73.

OppFi (NYSE:OPFI) last released its quarterly earnings data on Wednesday, March 11th. The company reported $0.30 earnings per share for the quarter, beating analysts’ consensus estimates of $0.28 by $0.02. The business had revenue of $159.25 million during the quarter, compared to analyst estimates of $159.80 million. OppFi had a net margin of 0.68% and a return on equity of 55.59%. OppFi has set its FY 2026 guidance at 1.760-1.840 EPS. As a group, research analysts predict that OppFi will post 0.86 earnings per share for the current fiscal year.

Key Headlines Impacting OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: Q4 earnings beat and record annual results — OppFi reported Q4 EPS of $0.30 vs. $0.28 consensus and announced record annual revenue, net income and adjusted net income, supporting confidence in the business model and profitability expansion. OppFi Beats Q4 Estimates
• Positive Sentiment: Record annual metrics and margin improvement — PR Newswire release shows 74.4% YoY net income growth to $146.2M and adjusted EPS up materially, signalling stronger cash flow and return on equity. This supports longer‑term earnings power. Record Annual Results
• Positive Sentiment: FY2026 EPS guidance raised/beat consensus — OppFi set FY2026 EPS guidance of $1.76–$1.84 vs. consensus ~$1.72, which underpins upward earnings revisions and supports multiple expansion if growth holds. Earnings Call Highlights
• Positive Sentiment: Analyst upgrades to FY2026 and later quarters — Northland Securities raised FY2026 EPS to $1.78 (from $1.70) and increased Q2–Q4 estimates, signalling growing analyst confidence in OppFi’s trajectory despite a mixed Q1 view. Northland Estimate Changes
• Neutral Sentiment: Q4 revenue essentially flat to expectations — Q4 revenue came in at $159.25M, roughly in line but marginally under consensus $159.8M; operational growth drivers remain intact but revenue miss tempers the EPS beat narrative. Press Release / Slide Deck
• Negative Sentiment: Near‑term pressure: Northland trimmed Q1 2026 estimate — Northland cut Q1 EPS to $0.35 (from $0.41) citing near‑term headwinds, which introduces some volatility to immediate forward expectations. Northland Q1 Cut
• Negative Sentiment: Macroeconomic sensitivity — Coverage pieces note OppFi watches consumer cost pressures (e.g., gas prices) that could curb demand for personal loans; rising consumer stress could weigh on originations and growth. PYMNTS: Gas Prices & Revenues

Hedge Funds Weigh In On OppFi

Several hedge funds and other institutional investors have recently added to or reduced their stakes in OPFI. 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 valued at $40,000 after purchasing an additional 3,038 shares during the last quarter. Russell Investments Group Ltd. raised its stake in shares of OppFi by 217.6% in the second quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company’s stock worth $65,000 after purchasing an additional 3,207 shares during the last quarter. Quantbot Technologies LP raised its stake in shares of OppFi by 20.8% in the second quarter. Quantbot Technologies LP now owns 8,663 shares of the company’s stock worth $121,000 after purchasing an additional 1,494 shares during the last quarter. Kemnay Advisory Services Inc. bought a new position in shares of OppFi during the fourth quarter valued at $95,000. Finally, Jain Global LLC bought a new position in shares of OppFi during the fourth quarter valued at $112,000. 7.10% of the stock is owned by institutional investors.

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.