OPFI Stock Analysis: Buy, Sell, or Hold?
OPFI - OppFi Inc.
$9.96
-0.05 (-0.50%)
▼
5d:
+6.41%
30d:
+19.14%
90d:
+31.4%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Aug 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD - EXTENDED: OPFI is 10.5% above its trading range ($9.01). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
📊 HOLD - EXTENDED: OPFI is 10.5% above its trading range ($9.01). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$19.51
Based on 13.3% avg growth
INTRINSIC VALUE TODAY
$12.11
17.8% Margin of Safety
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 4.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPFI is currently trading at $9.96, which is considered extended relative to its 30-day fair value range of $8.08 to $9.01. The stock's valuation (Forward PE: 4.5) is in line with its historical norms (4.8). Remarkably, the market is currently pricing in an annual earnings decline of 1.9% 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 approaching resistance at $8.53. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: OPFI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $14.00 (+40.6%). 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 approaching resistance at $8.53. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: OPFI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $14.00 (+40.6%). 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
EXTENDED
Historical Trading Range
$8.08 -
$9.01
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
52.4%
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View Profit Protection PlanAll Signals
- BEARISH: Price significantly overextended (+10.5% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 40.6% below Wall St target ($14.00)
Trading Range Analysis
30-Day Trading Range
$8.08 -
$9.01
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$7.81
Resistance Level
$8.53
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.54
Wall Street Target
$14.00
(+40.6%)
Revenue Growth (YoY)
-2.2%
Earnings Growth (YoY)
266.4%
Profit Margin
19.4%
Valuation Discount vs History
-1.9% cheaper
PE vs Historical
4.5 vs 4.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.9%
(market-implied from PE analysis)
1-Year Target
$9.77
(-2%)
2-Year Target
$9.59
(-4%)
3-Year Target
$9.40
(-6%)
3-Yr Target (if PE normalizes)
(PE: 5→5)
$9.95
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 22.6%)
$88.15
(+785%)
Base:
(SPY PE: 4.5, Growth: 22.6%)
$18.37
(+84%)
Bear:
(PE: 3.9, Growth: 22.6%)
$15.61
(+57%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (5x PE), but valuation improves significantly next year (5x PE) as earnings recover.
Trailing PE: 4.93 | Current EPS (TTM): $2.03
Bull Case
$11.91
(+20%)
Analyst growth 8.1%, PE expands to 5.4
Base Case
$10.82
(+9%)
Market implied 8.1%, PE stable at 4.9
Bear Case
$6.81
(-32%)
Severe decline -20.0%, PE contracts to 4.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 4.5 to 4.8
Stabilization Target:
$10.54
(+5.8%)
PE Expansion Potential:
+5.8%
Share & Embed Analysis
Last updated: July 03, 2026 6:23 PM ET
Data refreshes hourly during market hours. Next update: 7:23 PM
Data refreshes hourly during market hours. Next update: 7:23 PM
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Technical Signals Check
Is OPFI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Jocelyn Moore
SELL
8190 shares
2026-03-12
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