OPFI Stock Analysis: Buy, Sell, or Hold?
OPFI - OppFi Inc.
$9.52
-0.20 (-2.06%)
ā¼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Mar 04, 2026
Get Alerted When OPFI Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
š HOLD: OPFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
š HOLD: OPFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$14.62
Based on 7.4% avg growth
INTRINSIC VALUE TODAY
$9.08
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 5.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPFI is currently trading at $9.52, which is considered oversold relative to its 30-day fair value range of $9.77 to $10.69. The stock's valuation (Forward PE: 5.6) is in line with its historical norms (5.9). Remarkably, the market is currently pricing in an annual earnings decline of 1.8% over the next few years. This pessimistic expectation contrasts with the company's recent 266.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, OPFI is in a downtrend. The price is currently testing key support at $9.46. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: OPFI has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $15.17 (+56.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, OPFI is in a downtrend. The price is currently testing key support at $9.46. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: OPFI has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $15.17 (+56.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$9.77 -
$10.69
Company Quality Score
53/100
(HOLD)
Options IV Signal
30th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
59.6%
Protect Your Profits
Holding OPFI? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Options fairly priced (IV 30th percentile)
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 56.0% below Wall St target ($15.17)
Fair Price Analysis
30-Day Fair Range
$9.77 -
$10.69
Current vs Fair Value
OVERSOLD
Expected Move (7 Days)
Ā±$0.86
(9.0%)
Support & Resistance Levels
Support Level
$9.46
Resistance Level
$10.26
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
5.59
Wall Street Target
$15.17
(+56.0%)
Revenue Growth (YoY)
18.3%
Earnings Growth (YoY)
266.4%
Profit Margin
1.2%
Valuation Discount vs History
-1.8% cheaper
PE vs Historical
5.6 vs 5.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.8%
(market-implied from PE analysis)
1-Year Target
$9.55
(-2%)
2-Year Target
$9.37
(-4%)
3-Year Target
$9.20
(-5%)
3-Yr Target (if PE normalizes)
(PE: 6ā6)
$9.72
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 10.7%)
$52.57
(+441%)
Base:
(SPY PE: 5.6, Growth: 10.7%)
$13.17
(+36%)
Bear:
(PE: 4.7, Growth: 10.7%)
$11.19
(+15%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (6x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Forward PE: 5.64 | Forward EPS (Implied): $1.69
Bull Case
$11.50
(+21%)
Analyst growth 15.0%, PE expands to 5.9
Base Case
$9.52
(0%)
Market implied 0.0%, PE stable at 5.6
Bear Case
$7.28
(-24%)
Severe decline -15.0%, PE contracts to 5.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
š”
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.6 to 5.9
Stabilization Target:
$10.27
(+5.6%)
PE Expansion Potential:
+5.6%
Last updated: January 31, 2026 11:22 AM ET
Data refreshes hourly during market hours. Next update: 12:22 PM
Data refreshes hourly during market hours. Next update: 12:22 PM
š„ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is OPFI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Pamela D Johnson
SELL
5497 shares
2025-10-02
Christopher J Mckay
SELL
9030 shares
2025-10-02
Theodore G Schwartz
SELL
102325 shares
2025-08-12
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$398 | 60 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$665 | 57 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$73 | 50 HOLD |
|
AXP
American Express Company |
HOLD
30 analysts |
$377 | 60 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$92 | 50 HOLD |
Advanced OPFI Option Strategies
Professional options setups generated by AI based on today's OPFI price and gamma walls.
