OppFi
Powers partner banks to originate short-term installment loans, then buys and services the receivables.
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Profile
Operates a tech-enabled lending platform: partner banks originate short-term installment loans for employed, non-prime consumers, and the company buys most of the resulting receivables and services them through a proprietary machine-learning underwriting system that automates the large majority of credit decisions for same-day funding.
Operates a bank-partnership lending platform: markets, underwrites, and services short-term installment loans that partner banks originate, then buys most of the receivables. Its core product serves employed, non-prime consumers, with a proprietary machine-learning model automating most underwriting for same-day funding.
Has extended into payroll-deduction loans and a consumer credit card, and holds a minority stake in a small-business financing provider, concentrating operations in the United States.
The model depends on a small group of FDIC-insured partner banks that originate the loans at inception, an arrangement critics call rent-a-bank lending and that has drawn state true-lender litigation.
Has agreed to acquire a bank holding company that would grant a national bank charter, eliminating its post-listing umbrella-partnership structure and shifting toward direct chartered lending.
Company facts
Categories
Key statistics
Year to date −31.4% · Average volume (30d) 930.1K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | Piper Sandler | Downgrade | Neutral | |||
| Aug 26, 2026 | UBS | Target | $11 | |||
| Aug 11, 2026 | Stephens | Target | $11 | $9.50 | ||
| May 8, 2026 | Stephens | Target | $11 | |||
| May 8, 2025 | JMP Securities | Upgrade | Market Perform | Market Outperform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 10, 2026Q2 FY26 | $0.45 | $0.33 | −25.8% | $155.9M | $145.2M | −6.9% | −24.86% |
| May 7, 2026Q1 FY26 | $0.33 | $0.35 | +6.1% | $151.1M | $151.9M | +0.5% | −5.66% |
| Mar 11, 2026Q4 FY25 | $0.28 | $0.30 | +7.1% | $159.8M | $159.3M | −0.3% | −4.16% |
| Aug 6, 2025Q2 FY25 | $0.30 | $0.45 | +50.0% | $153.4M | $155.1M | +1.1% | −8.65% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $140.3M | $142.4M | $155.1M | $159.3M | $151.9M | $78.0M | |
| Gross profit | $116.2M | $115.1M | $130.5M | $205.9M | $145.7M | $137.0M | |
| Operating income | $42.5M | $44.8M | $48.4M | $57.5M | $65.2M | $32.7M | |
| Net income | −$11.4M | −$20.8M | $41.6M | $16.8M | $28.4M | $14.8M | |
| Diluted EPS | −$0.48 | −$0.78 | $0.77 | $0.19 | $1.07 | $0.18 | |
| Gross margin | 82.9% | 80.8% | 84.1% | 129.3% | 95.9% | 175.5% | |
| Operating margin | 30.3% | 31.5% | 31.2% | 36.1% | 42.9% | 41.9% |
Fiscal years (4-quarter sums)FY21 $350.6M · FY22 $452.9M · FY23 $508.9M · FY24 $526.0M · FY25 $597.1M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $64.3M · Total debt $293.6M · Total assets $770.7M · Shareholders' equity $414.3M
Dividends
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Apr 8, 2025 | Apr 8 | Apr 18 | $0.25 | special dividend |
| Apr 18, 2024 | Apr 19 | May 1 | $0.12 | special dividend |
Ownership
Shares outstanding 85.39M · Float —
Float — provider float is below the insider stake.
The provider's float is smaller than the insider stake it should exclude, so it is not shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Theodore G. Schwartz · director, 10 percent owner: | 3.03M | 3.55% | Form 4 | Jun 10, 2026 |
| Wellington Management Group LLP | 2.63M | 9.90% | 13G | May 15, 2026 |
| LMR Partners LLP | 2.33M | 7.70% | 13G | Nov 14, 2025 |
| Aristeia Capital, L.L.C. | 2.19M | 7.26% | 13G | Nov 14, 2025 |
| BlackRock, Inc. | 1.94M | 2.27% | 13F | May 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 27, 2026 | Todd G. Schwartz | director, 10 percent owner, officer: Chief Executive Officer | +3,550 | $7.13 |
| Aug 26, 2026 | Christopher J. McKay | officer: Chief Risk & Analytics Officer | −77,850 | $7.18 |
| Aug 26, 2026 | Todd G. Schwartz | director, 10 percent owner, officer: Chief Executive Officer | +3,500 | $7.19 |
| Aug 25, 2026 | Todd G. Schwartz | director, 10 percent owner, officer: Chief Executive Officer | +3,475 | $7.25 |
| Aug 24, 2026 | Todd G. Schwartz | director, 10 percent owner, officer: Chief Executive Officer | +3,475 | $7.15 |
Peers
- OneMain
Largest scaled rival in subprime/near-prime installment lending
- Enova International
Largest direct online non-prime lender via CashNetUSA and NetCredit
- Regional Management
Branch-based non-prime installment lender with a $2.1B receivables book
- World Acceptance
Branch-based non-prime installment lender of comparable revenue scale
- Affirm
Point-of-sale BNPL installment credit with growing non-prime exposure
- Happen
Near-prime personal-loan digital bank, adjacent to OppFi's non-prime tier
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| OppFi | $7.25 | +2.55% | $603.7M | 3.2 | 4.3 | 1.1 | +1.9% |
| OneMain | $63.02 | +0.29% | $7.26B | 9.5 | 8.0 | 1.1 | −15.5% |
| Enova International | $232.30 | −0.09% | $5.79B | 17.3 | 12.0 | 1.9 | +21.6% |
| Regional Management | $32.55 | +0.34% | $299.7M | 6.9 | 5.7 | 0.4 | +6.7% |
| World Acceptance | $188.35 | +0.07% | $877.8M | 22.3 | 15.2 | 1.5 | +5.1% |
| Affirm | $77.40 | −0.37% | $26.04B | 70.7 | 44.6 | 6.6 | +33.0% |
| Happen | $18.24 | +1.93% | $2.06B | 10.8 | 9.2 | 1.6 | −20.7% |
| Median | 14.0 | 10.6 | 1.5 | +5.9% |