OPFI
OppFi Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
7.06
▼ 0.10 (1.40%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
7.10
Prev close
7.16
Day high
7.25
Day low
6.97
Volume
712.62K
Market cap
$594.75M
P/E (TTM)
2.32
52W range
6.50 – 12.45
Insider net activity
Net shares
+50.54M
Net buying
Buy transactions
17
50.65M shares
Sell transactions
5
110.95K shares
Net transactions
+22
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
51.67M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 18, 26 | SCHWARTZ TODD G Chief Executive Officer |
BUY | 3.55K | $24.99K | Indirect |
| Aug 17, 26 | SCHWARTZ TODD G Chief Executive Officer |
BUY | 3.50K | $24.51K | Indirect |
| Aug 14, 26 | SCHWARTZ TODD G Chief Executive Officer |
BUY | 20.00K | $144.01K | Indirect |
| Aug 13, 26 | SCHWARTZ TODD G Chief Executive Officer |
BUY | 60.00K | $427.68K | Indirect |
| Aug 12, 26 | SCHWARTZ TODD G Chief Executive Officer |
BUY | 60.00K | $422.99K | Indirect |
| Jun 15, 26 | MOORE JOCELYN Director |
SELL | 39.08K | $324.94K | Direct |
| Jun 12, 26 | MCKAY CHRISTOPHER J Officer |
SELL | 23.68K | $197.81K | Direct |
| Jun 9, 26 | SCHWARTZ THEODORE G Director and Beneficial Owner of more than 10% of a Class of Security |
STOCK | 16.84K | $0 | Direct |
| Jun 9, 26 | ZEEMAN GREGORY T Director |
STOCK | 16.84K | $0 | Direct |
| Jun 9, 26 | FAVILLA CHRISTINA M Director |
STOCK | 16.84K | $0 | Direct |
| Jun 9, 26 | MOORE JOCELYN Director |
STOCK | 16.84K | $0 | Direct |
| Jun 9, 26 | VENNETTILLI DAVID Director |
STOCK | 50.53K | $0 | Direct |
| Jun 8, 26 | FAVILLA CHRISTINA M Director |
SELL | 30.00K | $244.18K | Indirect |
| May 4, 26 | VENNETTILLI DAVID Director |
SELL | 10.00K | $100.00K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
FAVILLA CHRISTINA M |
Director | 186.49K | Stock Award(Grant) |
JOHNSON PAMELA D |
Chief Financial Officer | 164.34K | Stock Award(Grant) |
MCKAY CHRISTOPHER J |
Officer | 1.51M | Sale |
MOORE JOCELYN |
Director | 16.84K | Sale |
SCHWARTZ THEODORE G |
Director and Beneficial Owner of more than 10% of a Class of Security | 21.92M | Stock Award(Grant) |
SCHWARTZ TODD G |
Chief Executive Officer | — | Purchase |
VENNETTILLI DAVID |
Director | 467.42K | Stock Award(Grant) |
ZEEMAN GREGORY T |
Director | 166.49K | Stock Award(Grant) |
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.12
Call-heavy session
Put / call open interest
0.78
Positioning, not flow
Max pain
7.50
+7.4% from spot
ATM implied vol
61.7%
Nearest strike to spot
Skew (10% OTM)
-13.5%
Calls bid over puts
Call volume
101
Contracts, this expiry
Put volume
12
Contracts, this expiry
Heaviest call OI
7.50
111 contracts
Heaviest put OI
7.50
76 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
-2.51%
-1.1%
1M
-21.22%
-24.9%
3M
-15.39%
-18.5%
6M
-23.97%
-35.0%
YTD
-33.27%
-45.6%
1Y
-27.14%
-47.1%
3Y
+176.98%
+102.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$594.75M
Enterprise value$817.29M
Revenue (TTM)$327.48M
Gross profit$327.48M
EBITDA—
Net income$101.72M
EPS (TTM)$3.01
Free cash flow—
Total cash$64.35M
Total debt$286.88M
Book value / share$4.86
Shares outstanding85.21M
Float33.43M
Short % of float2.82%
Dividend yield—
Beta (5Y)1.82
Short interest
Shares short
2.40M
Prior 2.74M
Change vs prior
-12.2%
Shorts covering
% of float
2.82%
Normal
% of shares out
2.82%
Against total outstanding
Days to cover
4.0
Liquid
Float
33.43M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Valuation & profitability ratios
Trailing P/E2.32
Forward P/E3.66
PEG ratio—
Price / sales—
Price / book1.44
EV / revenue2.50
EV / EBITDA—
Gross margin100.00%
Operating margin31.21%
Profit margin31.06%
Return on equity58.24%
Return on assets25.49%
Debt / equity69.25
Current ratio12.92
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $597.05M | $525.96M | $508.95M | $452.86M | — | +13.5% |
| Operating revenue | $591.77M | $521.23M | $505.43M | $451.45M | — | +13.5% |
| Cost of revenue | $100.06M | $105.18M | $107.43M | $95.14M | — | -4.9% |
| Gross profit | $496.99M | $420.78M | $401.52M | $357.72M | — | +18.1% |
| Selling, general & admin | $91.71M | $89.86M | $86.66M | $87.54M | — | +2.1% |
| Total operating expense | $114.44M | $121.80M | $123.75M | $126.53M | — | -6.0% |
| Operating income | $382.55M | $298.98M | $277.77M | $231.19M | — | +28.0% |
| Net interest income | — | — | $0 | -$35.16M | -$137.00K | — |
| Pre-tax income | $156.13M | $88.05M | $41.81M | $3.06M | — | +77.3% |
| Tax provision | $9.88M | $4.21M | $2.33M | -$277.00K | — | +134.5% |
| Net income | $26.33M | $7.26M | -$1.00M | $7.10M | — | +262.8% |
| Net income to common | $26.33M | $7.26M | -$1.00M | $7.10M | — | +262.8% |
| Basic EPS | 0.99 | 0.36 | -0.06 | 0.51 | — | +175.0% |
| Diluted EPS | 0.99 | 0.36 | -0.06 | 0.05 | — | +175.0% |
| EBIT | $382.55M | $298.98M | $277.77M | $231.19M | — | +28.0% |
| EBITDA | $387.70M | $308.60M | $290.51M | $244.77M | — | +25.6% |
| Basic shares | 26.51M | 20.15M | 16.39M | 13.91M | — | +31.6% |
| Diluted shares | 26.51M | 20.15M | 16.39M | 84.26M | — | +31.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $49.45M | $61.34M | $31.79M | $16.24M | — | -19.4% |
| Cash & short-term investments | $49.45M | $61.34M | $31.79M | $16.24M | — | -19.4% |
| Total current assets | $639.50M | $564.02M | $539.28M | $510.16M | — | +13.4% |
| Property, plant & equipment | $36.46M | $24.26M | $22.47M | $27.63M | — | +50.3% |
| Total assets | $754.09M | $641.17M | $601.54M | $579.84M | — | +17.6% |
| Total current liabilities | $85.98M | $59.80M | $51.47M | $55.18M | — | +43.8% |
| Current debt | — | — | — | — | $22.44M | — |
| Long-term debt | $321.35M | $318.76M | $334.12M | $347.06M | — | +0.8% |
| Total debt | $332.78M | $332.05M | $349.18M | $363.62M | — | +0.2% |
| Total liabilities | $445.21M | $406.96M | $407.51M | $420.69M | — | +9.4% |
| Retained earnings | -$33.51M | -$55.13M | -$63.59M | -$63.55M | — | +39.2% |
| Shareholder equity | $58.48M | $32.77M | $10.44M | -$494.00K | — | +78.4% |
| Working capital | $553.52M | $504.22M | $487.80M | $454.98M | — | +9.8% |
| Net tangible assets | $58.48M | $32.77M | $10.44M | -$494.00K | — | +78.4% |
| Shares issued | 30.55M | 23.77M | 19.55M | 15.46M | — | +28.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $146.25M | $83.84M | $39.48M | $3.34M | +74.4% |
| Depreciation & amortisation | $5.16M | $9.62M | $12.73M | $13.58M | -46.4% |
| Stock-based compensation | $9.99M | $5.27M | $4.07M | $3.35M | +89.5% |
| Change in working capital | -$1.32M | $6.81M | -$2.04M | -$9.35M | -119.4% |
| Operating cash flow | $401.31M | $323.81M | $296.15M | $243.30M | +23.9% |
| Capital expenditure | -$19.11M | -$13.01M | -$8.99M | -$13.25M | -46.9% |
| Investing cash flow | -$307.80M | -$243.44M | -$244.29M | -$317.24M | -26.4% |
| Share buybacks | -$15.52M | -$3.55M | $0 | -$2.46M | -337.0% |
| Dividends paid | -$64.91M | -$44.77M | -$10.23M | -$1.31M | -45.0% |
| Financing cash flow | -$88.53M | -$66.02M | -$27.58M | $61.26M | -34.1% |
| Free cash flow | $382.19M | $310.80M | $287.15M | $230.05M | +23.0% |
| End cash position | $93.26M | $88.29M | $73.94M | $49.67M | +5.6% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $151.88M | $159.25M | $155.09M | $142.44M | $140.27M | — | -4.6% |
| Operating revenue | $150.53M | $157.80M | $153.71M | $141.14M | $139.12M | — | -4.6% |
| Cost of revenue | $22.76M | $24.05M | $24.59M | $27.39M | $24.02M | — | -5.4% |
| Gross profit | $129.12M | $135.20M | $130.50M | $115.05M | $116.24M | — | -4.5% |
| Selling, general & admin | $23.59M | $25.14M | $25.54M | $21.64M | $17.94M | — | -6.2% |
| Total operating expense | $29.17M | $30.58M | $31.52M | $28.05M | $24.29M | — | -4.6% |
| Operating income | $99.94M | $104.61M | $98.98M | $87.00M | $91.95M | — | -4.5% |
| Pre-tax income | $58.01M | $39.81M | $81.58M | $12.70M | $22.04M | — | +45.7% |
| Tax provision | $3.97M | $1.36M | $5.65M | $1.22M | $1.65M | — | +191.3% |
| Net income | $28.40M | $16.85M | $41.63M | -$20.78M | -$11.37M | — | +68.6% |
| Net income to common | $28.40M | $16.85M | $41.63M | -$20.78M | -$11.37M | — | +68.6% |
| Basic EPS | 1.06 | — | 1.48 | -0.78 | -0.48 | -0.26 | — |
| Diluted EPS | 0.56 | — | 0.77 | -0.78 | -0.48 | -0.26 | — |
| EBIT | $99.94M | $104.61M | $98.98M | $87.00M | $91.95M | — | -4.5% |
| EBITDA | $100.54M | $105.38M | $100.11M | $88.51M | $93.71M | — | -4.6% |
| Basic shares | 26.78M | — | 28.16M | 26.61M | 23.69M | 21.44M | — |
| Diluted shares | 86.20M | — | 88.24M | 26.61M | 23.69M | 21.44M | — |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $63.87M | $49.45M | $45.45M | $45.23M | $57.95M | +29.1% |
| Cash & short-term investments | $63.87M | $49.45M | $45.45M | $45.23M | $57.95M | +29.1% |
| Total current assets | $602.48M | $639.50M | $617.09M | $573.79M | $550.64M | -5.8% |
| Property, plant & equipment | $40.61M | $36.46M | $32.73M | $29.08M | $26.34M | +11.4% |
| Total assets | $719.99M | $754.09M | $720.62M | $673.38M | $640.07M | -4.5% |
| Total current liabilities | $41.61M | $85.98M | $72.27M | $67.37M | $65.75M | -51.6% |
| Long-term debt | $284.26M | $321.35M | $320.84M | $305.90M | $288.00M | -11.5% |
| Total debt | $295.19M | $332.78M | $332.76M | $318.28M | $300.84M | -11.3% |
| Total liabilities | $377.00M | $445.21M | $443.36M | $455.67M | $403.31M | -15.3% |
| Retained earnings | -$5.18M | -$33.51M | -$49.80M | -$91.53M | -$72.17M | +84.5% |
| Shareholder equity | $75.65M | $58.48M | $49.42M | $13.35M | $22.55M | +29.4% |
| Working capital | $560.87M | $553.52M | $544.82M | $506.42M | $484.88M | +1.3% |
| Net tangible assets | $75.65M | $58.48M | $49.42M | $13.35M | $22.55M | +29.4% |
| Shares issued | 30.76M | 30.55M | 30.36M | 29.61M | 27.05M | +0.7% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $54.04M | $38.44M | $75.93M | $11.48M | $20.39M | +40.6% |
| Depreciation & amortisation | $591.00K | $764.00K | $1.13M | $1.50M | $1.76M | -22.6% |
| Stock-based compensation | $1.67M | $1.71M | $1.93M | $5.09M | $1.26M | -2.3% |
| Change in working capital | -$9.66M | $7.62M | $3.59M | $517.00K | -$13.05M | -226.8% |
| Operating cash flow | $90.78M | $116.82M | $105.12M | $95.62M | $83.74M | -22.3% |
| Capital expenditure | -$5.15M | -$4.90M | -$5.19M | -$4.64M | -$4.39M | -5.1% |
| Investing cash flow | -$21.44M | -$89.39M | -$102.86M | -$81.32M | -$34.24M | +76.0% |
| Share buybacks | -$9.95M | -$8.16M | -$7.35M | $0 | $0 | -21.8% |
| Dividends paid | -$10.37M | -$240.00K | -$10.40M | -$43.03M | -$11.25M | -4,220.0% |
| Financing cash flow | -$62.69M | -$9.37M | -$5.34M | -$26.80M | -$47.02M | -569.1% |
| Free cash flow | $85.63M | $111.93M | $99.94M | $90.98M | $79.35M | -23.5% |
| End cash position | $99.92M | $93.26M | $75.19M | $78.27M | $90.77M | +7.1% |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.45 | 0.33 | -25.8% |
| Dec 2025 | 0.28 | 0.30 | +6.2% |
| Sep 2025 | 0.32 | 0.77 | +144.4% |
| Jun 2025 | 0.30 | 0.45 | +52.5% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.45 | 4 | $155.90M | +9.5% |
| Next quarter | 0.39 | 4 | $162.16M | +1.8% |
| Current year | 1.41 | 4 | $612.29M | +2.6% |
| Next year | 1.91 | 4 | $708.94M | +15.8% |
Analyst targets & ownership
Mean target$12.57
High target$16.00
Low target$9.50
Implied upside77.97%
Analyst count4
ConsensusBUY
Strong buy / Buy1 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders60.64%
Held by institutions26.91%
Institutions holding203
Price targets, consensus spread, insider and institutional ownership.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 11, 26 | Citizens | MAINTAINED | Market Outperform | Market Outperform |
| Aug 11, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| May 8, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Apr 17, 26 | Citizens | MAINTAINED | Market Outperform | Market Outperform |
| May 8, 25 | JMP Securities | UPGRADE | Market Perform | Market Outperform |
| Dec 13, 24 | Northland Capital Markets | MAINTAINED | Outperform | Outperform |
| Nov 8, 24 | Northland Capital Markets | MAINTAINED | Outperform | Outperform |
| Apr 17, 24 | JMP Securities | MAINTAINED | Market Outperform | Market Outperform |
| Jan 12, 24 | JMP Securities | MAINTAINED | Market Outperform | Market Outperform |
| Nov 10, 23 | JMP Securities | MAINTAINED | Market Outperform | Market Outperform |
| Aug 11, 23 | Needham | MAINTAINED | Buy | Buy |
| May 12, 23 | Needham | MAINTAINED | Buy | Buy |
Moving averages & technicals
SMA 10
7.19
-1.74% from price
SMA 20
8.40
-16.86% from price
SMA 50
8.84
-21.01% from price
SMA 100
8.72
-19.01% from price
SMA 200
9.15
-23.72% from price
EMA 12
7.57
-6.79% from price
EMA 26
8.19
-13.84% from price
EMA 50
8.54
-17.34% from price
RSI (14)
31.6
Neutral
MACD (12,26,9)
-0.62
Hist -0.16
ATR (14)
0.53
7.54% of price
Realised vol 30D
91.5%
Annualised
Bollinger upper
10.96
20, 2σ
Bollinger lower
5.84
20, 2σ
50 / 200 cross
Death
8.84 vs 9.15
Trend bias
Below 200
-23.72%
Risk profile
Beta vs SPY
1.28
More volatile than market
Correlation to SPY
0.33
Loosely linked
Realised vol 30D
91.5%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-46.2%
Peak to trough
Max drawdown 5Y
-83.0%
Peak to trough
ATR 14
0.53
7.54% of price
Beta (reported)
1.82
5Y monthly, from filing
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-10
Offering Registrations
S-4/A · 2026-08-05
Offering Registrations
S-4 · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-06-16
Corporate Changes & Voting Matters
8-K · 2026-06-10
Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions
425 · 2026-05-08
Periodic Financial Reports
10-Q · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-29
Headlines
OppFi (OPFI) Cuts Guidance but Holds the Line on 2028 Targets
Insider Monkey · 3d ago
OppFi (OPFI) Q2 2026 Earnings Call Transcript
Motley Fool · 5d ago
OppFi (OPFI) Stock Fair Value Falls After Analysts Reassess Guidance And Credit Risk
Simply Wall St. · 10d ago
Why OppFi Stock Swooned by Almost 25% Today
Motley Fool · 11d ago
Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 2Q26
TMX Newsfile · 11d ago
OppFi Shares Drop After Q2 Adjusted Earnings Fall
MT Newswires · 11d ago
OppFi Inc. Q2 2026 Earnings Call Summary
Moby · 11d ago
OppFi Inc (OPFI) (Q2 2026) Earnings Call Highlights: Record Revenue Amid Strategic Shifts and ...
GuruFocus.com · 12d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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