OppFi (OPFI) Stock: Buy, Sell, or Hold?
OPFI - OppFi Inc.
$7.98
0.39 (5.14%)
â˛
5d:
+9.02%
30d:
+16.33%
90d:
-3.86%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Nov 04, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: OPFI is fairly priced but lacks strong directional signals. At -3.8% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: OPFI is fairly priced but lacks strong directional signals. At -3.8% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$17.29
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.73
25.7% 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 4.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPFI is currently trading at $7.98, which is considered fair relative to its 30-day fair value range of $6.61 to $8.72. From a valuation perspective, the stock is trading at a discount (Forward PE: 4.1) compared to its historical average (4.6). Remarkably, the market is currently pricing in an annual earnings decline of 3.8% 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 approaching resistance at $8.06. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.1% recently.
Market Sentiment: The stock scores a mixed 40/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $13.31 (+66.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, OPFI is in a downtrend. The price is approaching resistance at $8.06. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.1% recently.
Market Sentiment: The stock scores a mixed 40/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $13.31 (+66.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$6.61 -
$8.72
Company Quality Score
40/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
77.1%
Protect Your Profits
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View Profit Protection PlanAll Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.1%)
- BULLISH: Trading 66.9% below Wall St target ($13.31)
- WARNING: Composite score 40/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$6.61 -
$8.72
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$6.83
Resistance Level
$8.07
Current Trend
Downtrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.13
Wall Street Target
$13.32
(+66.9%)
Revenue Growth (YoY)
-13.9%
Earnings Growth (YoY)
266.4%
Profit Margin
31.1%
Valuation Discount vs History
-3.8% cheaper
PE vs Historical
4.1 vs 4.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.8%
(market-implied from PE analysis)
1-Year Target
$7.68
(-4%)
2-Year Target
$7.39
(-8%)
3-Year Target
$7.10
(-11%)
3-Yr Target (if PE normalizes)
(PE: 4â5)
$7.90
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 36.4%)
$98.78
(+1138%)
Base:
(SPY PE: 4.1, Growth: 36.4%)
$20.25
(+154%)
Bear:
(PE: 3.5, Growth: 36.4%)
$17.21
(+116%)
đ
Valuation based on Current Earnings
Trailing PE: 2.50 | Current EPS (TTM): $3.03
Bull Case
$5.32
(-33%)
Analyst growth -36.3%, PE expands to 2.8
Base Case
$4.83
(-39%)
Market implied -36.3%, PE stable at 2.5
Bear Case
$5.16
(-35%)
Severe decline -20.0%, PE contracts to 2.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 4.1 to 4.6
Stabilization Target:
$8.88
(+11.3%)
PE Expansion Potential:
+11.3%
Share & Embed Analysis
Last updated: September 12, 2026 2:29 AM ET
Data refreshes hourly during market hours. Next update: 3:29 AM
Data refreshes hourly during market hours. Next update: 3:29 AM
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Technical Signals Check
Is OPFI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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