OPFI:NYSEOppFi Inc. Analysis
Data as of 2026-04-22 - not real-time
$8.62
Latest Price
7/10Risk
Risk Level: Medium
Executive Summary
OppFi Inc. trades around $8.62, far below its DCF‑derived fair value of roughly $62, implying a potential upside of over 50% despite a current bearish price trend and decreasing volume. Fundamentally, the stock shows a low trailing P/E of about 8.7 versus an industry average of 17.6, a strong ROE of ~54%, and revenue growth near 9%, but carries a high debt‑to‑equity ratio (>100%) and no dividend. Technically, the 20‑day SMA sits below the price, the MACD histogram is positive and the signal line turned bullish, while the RSI hovers in the mid‑50s, suggesting limited downside pressure but still a bearish overall trend.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Bearish price trend with support near $7.36
- High beta (1.75) and 30‑day volatility >38%
- Technical bullish MACD signal offering limited upside
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- Significant valuation gap (DCF fair value ~ $62 vs price $8.62)
- Strong earnings momentum (forward EPS 2.03, forward P/E ~4.2)
- Robust profitability metrics (ROE ~54%, operating margin ~40%)
Long Term
> 3 yearsPositive
Model confidence: 9/10
Key Factors
- Long‑term upside potential exceeding 50% based on DCF
- Sustained revenue growth and high operating efficiency
- Strategic position in underserved credit market despite regulatory headwinds
Key Metrics & Analysis
Financial Health
Revenue Growth9.20%
Profit Margin7.70%
P/E Ratio8.7
ROE53.86%
ROA20.96%
Debt/Equity107.74
P/B Ratio4.0
Op. Cash Flow$401.3M
Industry P/E17.6
Technical Analysis
TrendBearish
RSI56.0
Support$7.36
Resistance$8.99
MA 20$8.13
MA 50$8.54
MA 200$9.98
MACDBullish
VolumeDecreasing
Fear & Greed Index86.8
Valuation
Fair Value$62.14
Target Price$13.33
Upside/Downside54.68%
GradeUndervalued
TypeGrowth
Risk Assessment
Beta1.75
Volatility38.46%
Sector RiskMedium
Reg. RiskHigh
Geo RiskMedium
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.