OPFI Stock Analysis: Buy, Sell, or Hold?
OPFI - OppFi Inc.
$6.98
-0.18 (-2.51%)
▼
5d:
-2.51%
30d:
-21.22%
90d:
-15.39%
HOLD
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 10, 2026
0d
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Interactive Price Chart (1 Month)
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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
$17.44
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.83
35.5% 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 4.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPFI is currently trading at $6.98, which is considered oversold relative to its 30-day fair value range of $7.48 to $9.79. From a valuation perspective, the stock is trading at a discount (Forward PE: 3.7) compared to its historical average (4.7). Remarkably, the market is currently pricing in an annual earnings decline of 8.0% 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 showing sideways momentum. Immediate support is located at $6.50, while resistance sits at $9.35.
Market Sentiment: OPFI scores 68/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (13th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $12.56 (+80.0%). 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 showing sideways momentum. Immediate support is located at $6.50, while resistance sits at $9.35.
Market Sentiment: OPFI scores 68/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (13th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $12.56 (+80.0%). 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
Historical Trading Range
$7.48 -
$9.79
Company Quality Score
58/100
(HOLD)
Options IV Signal
13th percentile
(COMPLACENCY WARNING)
Volume Confirmation
HIGH
Confidence Score
92.3%
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
- BULLISH: Options cheap (IV 13th percentile)
- BULLISH: Strong technical setup (68/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 80.0% below Wall St target ($12.56)
- CAUTION: Bottoming setup, but lagging the sector by 22% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$7.48 -
$9.79
Current vs Trading Range
OVERSOLD
Expected Move (7 Days)
±$0.46
(6.7%)
Support & Resistance Levels
Support Level
$6.50
Resistance Level
$9.35
Current Trend
Sideways
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
3.66
Wall Street Target
$12.57
(+80.0%)
Revenue Growth (YoY)
-13.9%
Earnings Growth (YoY)
266.4%
Profit Margin
31.1%
Valuation Discount vs History
-8.0% cheaper
PE vs Historical
3.7 vs 4.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.0%
(market-implied from PE analysis)
1-Year Target
$6.42
(-8%)
2-Year Target
$5.91
(-15%)
3-Year Target
$5.44
(-22%)
3-Yr Target (if PE normalizes)
(PE: 4→5)
$6.97
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 34.9%)
$93.79
(+1244%)
Base:
(SPY PE: 3.7, Growth: 34.9%)
$17.12
(+145%)
Bear:
(PE: 3.1, Growth: 34.9%)
$14.55
(+109%)
📈
Valuation based on Current Earnings
Trailing PE: 2.39 | Current EPS (TTM): $3.00
Bull Case
$5.00
(-28%)
Analyst growth -36.5%, PE expands to 2.6
Base Case
$4.55
(-35%)
Market implied -36.5%, PE stable at 2.4
Bear Case
$4.87
(-30%)
Severe decline -20.0%, PE contracts to 2.0
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 3.7 to 4.7
Stabilization Target:
$8.95
(+28.3%)
PE Expansion Potential:
+28.3%
Share & Embed Analysis
Last updated: August 23, 2026 12:21 AM ET
Data refreshes hourly during market hours. Next update: 1:21 AM
Data refreshes hourly during market hours. Next update: 1:21 AM
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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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Advanced OPFI Option Strategies
Professional options setups generated by AI based on today's OPFI price and gamma walls.
