OppFi (NYSE:OPFI) Shares Gap Up Following Insider Buying Activity

OppFi Inc. (NYSE:OPFI) shares gapped up before the market opened on Thursday after an insider bought additional shares in the company. The stock had previously closed at $6.86, but opened at $7.30. OppFi shares last traded at $7.2520, with a volume of 227,589 shares traded.

Specifically, CEO Todd G. Schwartz purchased 60,000 shares of the firm’s stock in a transaction dated Wednesday, August 12th. The shares were acquired at an average price of $7.05 per share, with a total value of $423,000.00. Following the purchase, the chief executive officer directly owned 493,733 shares in the company, valued at approximately $3,480,817.65. This trade represents a 13.83% increase in their position. The purchase was disclosed in a document filed with the SEC, which is available at the SEC website.

Wall Street Analysts Forecast Growth

OPFI has been the topic of a number of recent analyst reports. Zacks Research cut shares of OppFi from a “strong-buy” rating to a “hold” rating in a research report on Tuesday, July 28th. Wall Street Zen downgraded shares of OppFi from a “strong-buy” rating to a “buy” rating in a research note on Saturday, August 8th. Citizens Jmp decreased their price objective on shares of OppFi from $15.00 to $11.00 and set a “market outperform” rating on the stock in a report on Tuesday. Weiss Ratings reiterated a “hold (c)” rating on shares of OppFi in a report on Friday, August 7th. Finally, Citigroup reissued a “market outperform” rating on shares of OppFi in a research report on Tuesday. Two analysts have rated the stock with a Buy rating and three have issued a Hold rating to the company’s stock. Based on data from MarketBeat, OppFi currently has an average rating of “Hold” and a consensus price target of $10.25.

OppFi News Summary

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: CEO Todd Schwartz bought 60,000 shares at an average price of $7.05, investing approximately $423,000 and increasing his direct ownership by 13.83%. The purchase may signal management’s confidence that the recent selloff has created an attractive entry point. SEC insider transaction filing
• Positive Sentiment: A Seeking Alpha analysis argues that OppFi trades at roughly 4.37 times forward non-GAAP earnings—more than 60% below the sector median—despite resilient cash flow. It views tighter underwriting, improved recoveries and expense discipline as supportive of portfolio quality and long-term margins. The expected BNC National Bank acquisition could expand the platform and potentially lift adjusted EPS by 25% in its first year, although these benefits remain dependent on execution. Seeking Alpha analysis
• Neutral Sentiment: Citizens JMP maintained a “market outperform” rating with an $11 price target, while Stephens kept an “equal weight” rating with a $9.50 target. Both targets are above recent levels, but the reductions from $15 and $11, respectively, reflect greater caution following the earnings report. Analyst price target coverage
• Negative Sentiment: OppFi’s second-quarter results missed expectations: EPS was $0.33 versus a $0.44 consensus, while revenue of $86.17 million was well below the $155.89 million estimate. Management’s FY2026 EPS guidance of $1.34–$1.51 also indicates a weaker near-term outlook. Second-quarter coverage
• Negative Sentiment: Northland Securities cut estimates across multiple periods, including Q3 2026 EPS to $0.38 from $0.50, FY2026 EPS to $1.38 from $1.80, FY2027 EPS to $2.15 from $2.41 and FY2028 EPS to $2.65 from $2.91. The revisions reinforce concerns about slower loan volume and reduced profitability before any acquisition-related benefits materialize.

OppFi Stock Performance

The company has a market capitalization of $612.23 million, a price-to-earnings ratio of 3.80 and a beta of 1.77. The firm has a 50-day simple moving average of $9.04 and a two-hundred day simple moving average of $8.84.

OppFi (NYSE:OPFI) last issued its quarterly earnings results on Monday, August 10th. The company reported $0.33 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.44 by ($0.11). The business had revenue of $86.17 million for the quarter, compared to analysts’ expectations of $155.89 million. OppFi had a return on equity of 33.50% and a net margin of 16.64%.OppFi has set its FY 2026 guidance at 1.340-1.510 EPS. As a group, equities analysts forecast that OppFi Inc. will post 1.43 EPS for the current fiscal year.

Institutional Investors Weigh In On OppFi

Large investors have recently added to or reduced their stakes in the business. Quarry LP lifted its holdings 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 buying an additional 3,038 shares in the last quarter. Russell Investments Group Ltd. grew 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 acquiring an additional 3,207 shares in the last quarter. Moran Wealth Management LLC purchased a new stake in shares of OppFi during the first quarter worth $84,000. Lazard Asset Management LLC purchased a new stake in shares of OppFi during the first quarter worth $91,000. Finally, Kemnay Advisory Services Inc. acquired a new stake in shares of OppFi in the fourth quarter valued at $95,000. 7.10% of the stock is owned by hedge funds and other institutional investors.

About OppFi

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.