OPFI

OppFi Inc.
NYSEUSDEQUITY Financial Services DELAYED
Last price
6.07
▼ 0.11 (1.80%)
MARKET · —

Price

1D — H — L — Range — Vol —
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
6.11
Prev close
6.18
Day high
6.11
Day low
6.07
Volume
3.50K
Market cap
$517.13M
P/E (TTM)
2.84
52W range
5.91 – 11.69

Day trading desk

Current session · delayed
Gap from prior close
-1.13%
Prior close 6.18
VWAP
6.08
-0.20% from price
Relative volume
0.00×
Quiet session
Session range
0.68%
6.07 – 6.11
Position in range
0%
Near session low
ATR (14D)
0.20
3.33% of price
Prior day high
6.19
PDH
Prior day low
5.95
PDL
Bid / ask spread
—
Quote not published
Session volume
111
Avg 859.60K

VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.

Trailing performance

Price return · vs SPY
Returnvs SPY
1W
+0.65% -1.3%
1M
-17.99% -19.1%
3M
-34.46% -39.0%
6M
-25.26% -43.4%
YTD
-41.98% -56.2%
1Y
-42.25% -58.7%
3Y
+138.94% +56.7%
5Y
— —

Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.

Unusual options activity

Account required
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
Free account required

Contracts trading at or above their open interest, ranked by notional and where the print landed.

Free account

5 more panels on OPFI open with an account.

Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.

Insider net activity

6m · Form 4 rollup
Net shares
+50.23M
Net buying
Buy transactions
30
50.45M shares
Sell transactions
7
217.74K shares
Net transactions
+37
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
51.54M
Total on file
Bought 50.45MSold 217.74K

Insider transactions

Account required
DateInsiderAction SharesValueHeld
Sep 14, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 5.24K $41.41K Indirect
Sep 11, 26
JOHNSON PAMELA D
Chief Financial Officer
SELL 8.65K $69.36K Direct
Sep 10, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.35K $25.31K Indirect
Sep 9, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.45K $26.19K Indirect
Sep 8, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.48K $25.74K Indirect
Sep 4, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.50K $25.74K Indirect
Sep 2, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.55K $25.38K Indirect
Sep 1, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.55K $24.54K Indirect
Aug 31, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.55K $24.61K Indirect
Aug 28, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.50K $25.02K Indirect
Aug 27, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.55K $25.31K Indirect
Aug 26, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.50K $25.16K Indirect
Aug 26, 26
MCKAY CHRISTOPHER J
Officer
SELL 77.85K $558.80K Direct
Aug 25, 26
SCHWARTZ TODD G
Chief Executive Officer
BUY 3.48K $25.20K Indirect
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.

Free account required

Officer and director trades in their own stock, straight from Form 4 filings.

Insider holders

8 reporting
NameRelationShares heldLatest
FAVILLA CHRISTINA M
Director 186.49K Stock Award(Grant)
JOHNSON PAMELA D
Chief Financial Officer 151.04K Sale
MCKAY CHRISTOPHER J
Officer 1.43M 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 438.94K Sale
ZEEMAN GREGORY T
Director 166.49K Stock Award(Grant)

Fundamentals

TTM · reported
Market cap$517.13M
Enterprise value$749.12M
Revenue (TTM)$327.48M
Gross profit$327.48M
EBITDA—
Net income$101.72M
EPS (TTM)$2.14
Free cash flow—
Total cash$64.35M
Total debt$286.88M
Book value / share$4.86
Shares outstanding85.21M
Float33.48M
Short % of float4.11%
Dividend yield0.00%
Beta (5Y)1.80

Valuation & profitability ratios

Account required
Trailing P/E2.84
Forward P/E3.14
PEG ratio—
Price / sales—
Price / book1.25
EV / revenue2.29
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
Free account required

Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.

Financial statements

As reported · 5 years · 6 quarters
Blank means not reported, not zero
Line item20252024202320222021YoY
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 0.990.36-0.060.51— +175.0%
Diluted EPS 0.990.36-0.060.05— +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 26.51M20.15M16.39M13.91M— +31.6%
Diluted shares 26.51M20.15M16.39M84.26M— +31.6%

Options analytics

Account required
Put / call volume
0.01
Call-heavy session
Put / call open interest
0.06
Positioning, not flow
Max pain
5.00
-17.6% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
-50.0%
Calls bid over puts
Call volume
73
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
7.50
320 contracts
Heaviest put OI
7.50
35 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.

Free account required

Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.

Earnings

History & consensus estimates
Reported vs expected · EPS
QuarterEst.ActualSurprise
Jun 2026 0.450.33 -25.8%
Mar 2026 0.330.35 +6.9%
Dec 2025 0.280.30 +6.2%
Sep 2025 0.320.46 +43.8%
Forward consensus
PeriodEPSAnalystsRevenueGrowth
Current quarter 0.35 4 $152.95M -1.4%
Next quarter 0.39 4 $161.63M +1.5%
Current year 1.42 4 $611.63M +2.4%
Next year 1.93 4 $704.55M +15.2%

Analyst targets & ownership

Account required
Mean target$13.32
High target$16.00
Low target$11.00
Implied upside119.39%
Analyst count4
ConsensusNONE
Strong buy / Buy1 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders60.49%
Held by institutions26.89%
Institutions holding199
Free account required

Price targets, consensus spread, insider and institutional ownership.

Moving averages & technicals

Computed from 2Y daily closes
SMA 10
6.10
-0.44% from price
SMA 20
6.56
-7.54% from price
SMA 50
7.33
-17.21% from price
SMA 100
8.09
-25.02% from price
SMA 200
8.64
-29.75% from price
EMA 12
6.23
-2.58% from price
EMA 26
6.62
-8.31% from price
EMA 50
7.16
-15.22% from price
RSI (14)
33.4
Neutral
MACD (12,26,9)
-0.39
Hist 0.01
ATR (14)
0.20
3.33% of price
Realised vol 30D
42.7%
Annualised
Bollinger upper
7.81
20, 2σ
Bollinger lower
5.31
20, 2σ
50 / 200 cross
Death
7.33 vs 8.64
Trend bias
Below 200
-29.75%

Options chain

Account required
Expiry
Spot 6.07
Calls
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Puts
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Free account required

Every listed expiry, both sides of the book, with volume, open interest and implied volatility.

Risk profile

Daily returns · 1Y window
Beta vs SPY
0.05
Less volatile than market
Correlation to SPY
0.01
Largely independent
Realised vol 30D
42.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-47.7%
Peak to trough
Max drawdown 5Y
-76.9%
Peak to trough
ATR 14
0.20
3.33% of price
Beta (reported)
1.80
5Y monthly, from filing

Short interest

Semi-monthly exchange report · lags by ~2 weeks
Shares short
3.49M
Prior 3.54M
Change vs prior
-1.2%
Shorts covering
% of float
4.11%
Normal
% of shares out
4.10%
Against total outstanding
Days to cover
4.4
Liquid
Float
33.48M
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.

Rating changes

26 on file
DateFirm ActionFromTo
Aug 26, 26 Citizens MAINTAINED Market Outperform Market Outperform
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

Dividends & splits

Declared · from the issuer
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend dateApr 8, 2025
Next pay dateApr 18, 2025
Last split—
Split date—

PRIVATE STRATEGY · BY QUALIFICATION

The same data. A different seat.

The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.