Northland Securities Has Weak Estimate for OppFi Q3 Earnings

OppFi Inc. (NYSE:OPFI) – Research analysts at Northland Securities decreased their Q3 2026 earnings per share estimates for OppFi in a note issued to investors on Monday, August 10th. Northland Securities analyst M. Grondahl now expects that the company will earn $0.38 per share for the quarter, down from their previous estimate of $0.50. The consensus estimate for OppFi’s current full-year earnings is $1.80 per share. Northland Securities also issued estimates for OppFi’s Q1 2027 earnings at $0.46 EPS, Q2 2027 earnings at $0.49 EPS, Q3 2027 earnings at $0.57 EPS, Q4 2027 earnings at $0.62 EPS, FY2027 earnings at $2.15 EPS, Q1 2028 earnings at $0.66 EPS, Q2 2028 earnings at $0.64 EPS and FY2028 earnings at $2.65 EPS.

OppFi (NYSE:OPFI) last issued its earnings results on Monday, August 10th. The company reported $0.33 EPS for the quarter, missing the consensus estimate of $0.44 by ($0.11). OppFi had a return on equity of 33.50% and a net margin of 16.64%.The company had revenue of $86.17 million for the quarter, compared to analysts’ expectations of $155.89 million. OppFi has set its FY 2026 guidance at 1.340-1.510 EPS.

Other research analysts have also issued reports about the stock. Zacks Research lowered shares of OppFi from a “strong-buy” rating to a “hold” rating in a research report on Tuesday, July 28th. Citigroup reiterated a “market outperform” rating on shares of OppFi in a research report on Tuesday. Citizens Jmp decreased their price target on OppFi from $15.00 to $11.00 and set a “market outperform” rating on the stock in a research note on Tuesday. Wall Street Zen cut OppFi from a “strong-buy” rating to a “buy” rating in a report on Saturday. Finally, Weiss Ratings reaffirmed a “hold (c)” rating on shares of OppFi in a report on Friday. Two analysts have rated the stock with a Buy rating and three have given a Hold rating to the company’s stock. According to MarketBeat.com, the stock presently has a consensus rating of “Hold” and a consensus target price of $10.25.

OppFi Stock Down 25.0%

Shares of OPFI opened at $6.58 on Wednesday. OppFi has a 52-week low of $6.50 and a 52-week high of $12.45. The company has a 50-day simple moving average of $9.06 and a 200-day simple moving average of $8.86. The company has a market capitalization of $561.61 million, a PE ratio of 3.48 and a beta of 1.77.

Institutional Inflows and Outflows

Institutional investors have recently modified their holdings of the stock. Quarry LP lifted its stake in OppFi by 669.2% in the 3rd quarter. Quarry LP now owns 3,492 shares of the company’s stock valued at $40,000 after buying an additional 3,038 shares in the last quarter. Russell Investments Group Ltd. increased its position in OppFi by 217.6% during the second quarter. Russell Investments Group Ltd. now owns 4,681 shares of the company’s stock worth $65,000 after buying an additional 3,207 shares in the last quarter. Quantbot Technologies LP raised its holdings 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 acquiring an additional 1,494 shares during the last quarter. Kemnay Advisory Services Inc. acquired a new position in shares of OppFi in the fourth quarter worth $95,000. Finally, Jain Global LLC purchased a new stake in shares of OppFi in the fourth quarter valued at $112,000. 7.10% of the stock is currently owned by institutional investors and hedge funds.

Insider Transactions at OppFi

In other OppFi news, Director Christina M. Favilla sold 30,000 shares of the company’s stock in a transaction dated Monday, June 8th. The shares were sold at an average price of $8.14, for a total value of $244,200.00. Following the sale, the director owned 156,737 shares of the company’s stock, valued at $1,275,839.18. This represents a 16.07% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through the SEC website. Insiders own 70.20% of the company’s stock.

OppFi News Summary

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: OppFi reported record second-quarter revenue of $145.2 million, up 1.9% year over year, while net income rose 36% to $15.6 million. Management said its strategic transformation and growth initiatives remain on track. OppFi Reports Second Quarter 2026 Results
• Positive Sentiment: Citizens JMP maintained a “market outperform” rating, although it reduced its price target from $15 to $11. The revised target still implies substantial potential upside from recent trading levels. Citizens JMP price target update
• Neutral Sentiment: Stonegate Capital Partners said the second-quarter results weaken OppFi’s near-term earnings outlook but do not invalidate its longer-term investment thesis. The firm’s updated coverage suggests investors may need to tolerate weaker near-term performance while the company executes its transformation. Stonegate Capital Partners coverage update
• Negative Sentiment: Adjusted earnings of $0.33 per share missed analyst estimates of approximately $0.44-$0.48, and earnings declined from $0.45 a year earlier. Reports also highlighted lower loan originations as a key factor weighing on quarterly performance. OppFi Q2 earnings miss
• Negative Sentiment: OppFi lowered its fiscal 2026 outlook to EPS of $1.34-$1.51, versus consensus of $1.79, and revenue of $600 million-$625 million, below the $658.3 million analyst estimate. The guidance reduction is the primary reason for the negative stock reaction and raises concerns about slower growth and profitability in the near term. OppFi lower originations and guidance

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.