OppFi Stock Earnings Estimates Cut by Northland Securities

OppFi Inc. (NYSE:OPFI) – Investment analysts at Northland Securities lowered their Q3 2027 earnings per share (EPS) estimates for OppFi in a note issued to investors on Tuesday, November 3rd. Northland Securities analyst M. Grondahl now expects that the company will post earnings of $0.38 per share for the quarter, down from their previous estimate of $0.57. The consensus estimate for OppFi’s current full-year earnings is $1.36 per share. Northland Securities also issued estimates for OppFi’s Q4 2027 earnings at $0.38 EPS, FY2027 earnings at $1.44 EPS, Q1 2028 earnings at $0.38 EPS, Q2 2028 earnings at $0.37 EPS, Q3 2028 earnings at $0.39 EPS and FY2028 earnings at $1.55 EPS.

A number of other analysts have also weighed in on OPFI. UBS Group set a $11.00 price objective on shares of OppFi in a research note on Wednesday, August 26th. Citigroup reaffirmed a “market outperform” rating on shares of OppFi in a report on Thursday, October 15th. Stephens dropped their target price on shares of OppFi from $11.00 to $9.50 and set an “equal weight” rating on the stock in a research note on Tuesday, August 11th. Wall Street Zen cut shares of OppFi from a “buy” rating to a “hold” rating in a report on Sunday, August 16th. Finally, Zacks Research upgraded shares of OppFi from a “strong sell” rating to a “hold” rating in a report on Monday, October 12th. Two analysts have rated the stock with a Buy rating and four have assigned a Hold rating to the company’s stock. Based on data from MarketBeat.com, OppFi currently has a consensus rating of “Hold” and an average target price of $10.50.

OppFi Price Performance

Shares of OppFi stock opened at $6.34 on Thursday. The stock has a market cap of $540.66 million, a price-to-earnings ratio of 4.17 and a beta of 1.95. The firm’s 50-day moving average is $6.36 and its 200 day moving average is $8.17. OppFi has a 1 year low of $5.36 and a 1 year high of $11.69.

OppFi (NYSE:OPFI) last issued its quarterly earnings results on Tuesday, October 27th. The company reported $0.37 earnings per share for the quarter, beating the consensus estimate of $0.36 by $0.01. OppFi had a return on equity of 26.61% and a net margin of 15.62%. The firm had revenue of $92.75 million during the quarter, compared to the consensus estimate of $152.10 million.

Institutional Trading of OppFi

Institutional investors have recently made changes to their positions in the stock. Wellington Management Group LLP boosted its holdings in shares of OppFi by 14.8% during the 2nd quarter. Wellington Management Group LLP now owns 3,019,250 shares of the company’s stock valued at $29,981,000 after acquiring an additional 389,082 shares during the last quarter. Renaissance Technologies LLC raised its holdings in shares of OppFi by 2.3% during the first quarter. Renaissance Technologies LLC now owns 630,308 shares of the company’s stock valued at $4,860,000 after purchasing an additional 14,100 shares during the last quarter. Dimensional Fund Advisors LP raised its holdings in shares of OppFi by 50.0% during the first quarter. Dimensional Fund Advisors LP now owns 426,089 shares of the company’s stock valued at $3,285,000 after purchasing an additional 141,949 shares during the last quarter. Globeflex Capital L P purchased a new position in shares of OppFi during the second quarter valued at approximately $3,240,000. Finally, PL Capital Advisors LLC bought a new position in OppFi during the second quarter valued at approximately $2,979,000. Hedge funds and other institutional investors own 7.10% of the company’s stock.

Insiders Place Their Bets

In other news, insider Christopher Mckay sold 77,850 shares of the company’s stock in a transaction on Wednesday, August 26th. The stock was sold at an average price of $7.18, for a total transaction of $558,963.00. Following the transaction, the insider directly owned 1,431,479 shares of the company’s stock, valued at $10,278,019.22. This represents a 5.16% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is available through the SEC website. Also, CFO Pamela Johnson sold 8,650 shares of the stock in a transaction on Friday, September 11th. The shares were sold at an average price of $8.02, for a total value of $69,373.00. Following the sale, the chief financial officer directly owned 151,039 shares in the company, valued at $1,211,332.78. This trade represents a 5.42% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Over the last three months, insiders have bought 130,640 shares of company stock worth $936,475 and have sold 114,985 shares worth $832,289. 70.20% of the stock is currently owned by insiders.

Key Headlines Impacting OppFi

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: OppFi reaffirmed its 2026 guidance when it announced the withdrawal of its regulatory applications for the BNC deal, offering some reassurance that its near-term outlook remains intact. OppFi Provides Update on Pending BNC Acquisition
• Neutral Sentiment: Management plans to attend three investor conferences in November, including a fireside chat at the Stephens Annual Investment Conference. The events may provide investors with additional insight but do not represent a change to the company’s outlook. OppFi to Participate in November 2026 Conferences
• Negative Sentiment: Northland Securities substantially cut its EPS estimates for OppFi’s future periods: its FY2027 forecast fell to $1.44 from $2.00, and FY2028 to $1.55 from $2.60. It also reduced estimates for multiple quarters in 2027 and 2028, signaling a weaker earnings outlook that could weigh on investor sentiment. OppFi analyst estimates
• Negative Sentiment: OppFi withdrew its applications to federal banking regulators for its proposed acquisition of BNCCORP and BNC National Bank. The move creates uncertainty around the transaction and its potential strategic benefits; the announcement did not say the deal itself had been terminated. OppFi Provides Update on Pending BNC Acquisition

About OppFi

OppFi Inc is a financial technology company that provides access to credit for consumers who may have limited or impaired credit histories. Through its digital platform, the company offers personal installment loans and related financial products designed to provide borrowers with a structured repayment schedule and access to funds for everyday financial needs.

OppFi’s primary brand, OppLoans, uses technology and data-driven underwriting to deliver financial services online. The company has also offered products such as the OppFi Card and other credit-building or cash-flow management solutions, subject to availability and applicable regulatory requirements.