OPFI Stock Analysis: Buy, Sell, or Hold?
OPFI - OppFi Inc.
$9.32
-0.57 (-5.76%)
▼
5d:
-2.0%
30d:
+14.22%
90d:
+2.76%
HOLD
MODERATE Confidence
Analysis Updated: May 7, 2026 12:00 AM ET
Earnings: May 07, 2026
0d
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
2 traders called OPFI this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: OPFI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 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
$18.67
Based on 11.5% avg growth
INTRINSIC VALUE TODAY
$11.59
19.6% 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 5.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPFI is currently trading at $9.32, which is considered extended relative to its 30-day fair value range of $7.94 to $9.32. The stock's valuation (Forward PE: 4.6) is in line with its historical norms (5.1). Remarkably, the market is currently pricing in an annual earnings decline of 3.1% 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 strong downtrend. Immediate support is located at $8.48, while resistance sits at $10.95. Short-term momentum is weak, with the stock down 5.8% recently.
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 $13.33 (+34.8%). 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 strong downtrend. Immediate support is located at $8.48, while resistance sits at $10.95. Short-term momentum is weak, with the stock down 5.8% recently.
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 $13.33 (+34.8%). 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
$7.94 -
$9.32
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
OPFI is technically overbought (RSI 76). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-5.8%)
- BULLISH: Trading 34.8% below Wall St target ($13.33)
Trading Range Analysis
30-Day Trading Range
$7.94 -
$9.32
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$8.48
Resistance Level
$10.95
Current Trend
Strong Downtrend
Technical data as of
May 7, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.63
Wall Street Target
$13.33
(+34.8%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
266.4%
Profit Margin
7.7%
Valuation Discount vs History
-3.1% cheaper
PE vs Historical
4.6 vs 5.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.1%
(market-implied from PE analysis)
1-Year Target
$9.58
(-3%)
2-Year Target
$9.29
(-6%)
3-Year Target
$9.00
(-9%)
3-Yr Target (if PE normalizes)
(PE: 5→5)
$9.91
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 19.0%)
$79.07
(+700%)
Base:
(SPY PE: 4.6, Growth: 19.0%)
$16.68
(+69%)
Bear:
(PE: 3.9, Growth: 19.0%)
$14.18
(+43%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (5x PE) as earnings recover.
Trailing PE: 9.85 | Current EPS (TTM): $0.99
Bull Case
$21.45
(+117%)
Analyst growth 100.0%, PE expands to 10.8
Base Case
$19.50
(+97%)
Market implied 100.0%, PE stable at 9.9
Bear Case
$6.63
(-33%)
Severe decline -20.0%, PE contracts to 8.4
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 4.6 to 5.1
Stabilization Target:
$10.90
(+10.2%)
PE Expansion Potential:
+10.2%
Share & Embed Analysis
Last updated: May 08, 2026 10:17 AM ET
Data refreshes hourly during market hours. Next update: 11:17 AM
Data refreshes hourly during market hours. Next update: 11:17 AM
🔥 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
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Jocelyn Moore
SELL
8190 shares
2026-03-12
Jocelyn Moore
SELL
4464 shares
2025-12-11
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 |
$397 | 65 BUY |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$649 | 59 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$79 | 63 BUY |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$53 | 50 HOLD |
|
AXP
American Express Company |
HOLD
30 analysts |
$362 | 62 BUY |
Advanced OPFI Option Strategies
Professional options setups generated by AI based on today's OPFI price and gamma walls.
