WYFI (34) FWDI (26) OPRT (60) ABTC (28) ⌘ Pro Terminal →

OppFi Inc. (Class A) (OPFI) — RQD Stock Rating Cockpit

$5.86 +3.90% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $5.89

OppFi Inc. (Class A) (OPFI) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $499.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $5.89 (+0.51%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 10% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OPFI)Realized 20D OHLCV Swing Band: ±8%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY OPFI SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 10% FCF Margin ($401.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)

FRED Regime × Technicals: 8% of 52W Range • RSI-14 at 40.6 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$5.93-4.7% Next Q

Q2 (-2Q)

Grade B+$5.65-4.1% Next Q

Q3 (-1Q)

Grade B$5.42+8.1% Next Q

Current

Grade C+$5.86+2% Hist 90D α

Trajectory: B+ (77) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the OPFI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, OPFI faces multiple-compression risk if 19.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($6.43) or 200D SMA ($8.22) invalidates the momentum regime and cuts Target Base ($6.15) toward Bear Floor ($4.80).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OPFI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “OPFI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

40.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE8% OF RANGE

L: $5$5.86H: $12

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on OPFI

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

85.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

26/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like OPFI

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (OPFI Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

OPFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -38.38%▼ DESCENDING CHANNEL

2026-10-30O $5.81H $5.86L $5.61C $5.86VOL 959.6K

RES: $9.43SUP: $5.27SMA50: $6.43SMA200: $8.22

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OPFI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OPFI Butterfly Map → + Track OPFI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

12.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OPFI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OPFI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for OPFI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OPFI)

Financials Rank #190 of 1096 ⚔️ WYFI vs OPFI Full Matrix →

1. Head-to-Head Financials Peer Comparison (OPFI vs. WYFI, FWDI, OPRT, ABTC)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, OppFi Inc. (Class A) (OPFI) ranks #190 by composite RQD confidence (69/100, grade C+) and #704 by equity capitalization ($499.3M). Within this direct 5-issuer industry benchmark cohort, OPRT leads on earnings valuation at 18.2x trailing P/E, while OPFI leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. OPFI currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
OPFI ACTIVE OppFi Inc. (Class A)	C+	69/100	19.0x	—	85.0%	+3.90%	$499.3M	Benchmark Subject
WYFI WhiteFiber Inc.	E	34/100	—	—	-5.8%	-5.39%	$508.5M	/wyfi-vs-opfi →
FWDI Forward Industries Inc.	E	26/100	—	—	-0.8%	-4.54%	$529.4M	/fwdi-vs-opfi →
OPRT Oportun Financial Corporation	C-	60/100	18.2x	—	6.5%	+2.15%	$459.0M	/oprt-vs-opfi →
ABTC American Bitcoin Corp. (Class A)	E	28/100	—	—	-27.1%	-5.90%	$546.1M	/abtc-vs-opfi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001818502

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OppFi Inc. (Class A) (OPFI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $26.3M, operating cash flow of $401.3M, and free cash flow of $401.3M (+23.9% YoY). On the balance sheet, OPFI closed FY2025 with $754.1M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$26.3M	$401.3M	$401.3M	$754.1M	—
FY2024 (FY)	2024-12-31	$0	$7.3M	$323.8M	$323.8M	$641.2M	—
FY2023 (FY)	2023-12-31	$0	-$1.0M	$296.1M	$296.1M	—	—

3. OPFI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OPFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, OppFi Inc. (Class A) (NYSE: OPFI) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $5.86 (+3.90% 1D, market cap $499.3M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, OPFI ranks #190 in composite RQD confidence.

How does OPFI compare to WYFI and FWDI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), OPFI carries a Roarable C+ (69/100 RQD), trailing P/E of 19.0x, gross margin of —, and ROIC of 85.0%. By comparison, WYFI (WhiteFiber Inc.) holds a E grade (34/100 RQD, P/E N/A, ROIC -5.8%, cap $508.5M) and FWDI (Forward Industries Inc.) posts a E grade (26/100 RQD, P/E N/A, ROIC -0.8%, cap $529.4M). Among the 5-stock peer group, OPRT leads on earnings multiple (18.2x) while OPFI leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OPFI?

Per OPFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001818502), OppFi Inc. (Class A) generated $0 in revenue, $26.3M in net income, and $401.3M in free cash flow against $754.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OPFI trading relative to its 50-day, 200-day, and 52-week technical levels?

OPFI last traded at $5.86 (+3.90% on volume of 2,290,041 shares), positioning the stock -8.86% below its 50-day simple moving average ($6.43) and -28.71% below its 200-day simple moving average ($8.22). Across its 52-week range of $5.36 to $11.69, OPFI sits at the 7.9% percentile with a 14-day RSI of 40.6 (NEUTRAL RANGE) and an implied next-earnings move of ±8.0% ($5.39 to $6.33).

OPFI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell OPFI stock right now?

OppFi Inc. (Class A) (OPFI) currently earns a Roarable Rating of C+ (Hold — HOLD) with 69/100 RQD Confidence. Solid steady margins (85% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.

What is OPFI's 12-month price target and RQD AI Jury consensus?

OPFI's 12-month base price target is $6.15 (range $4.8 to $12.27), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: OPFI RQD Cockpit OPFI 12M Forecast OPFI Earnings & Move OPFI Dividends & DRIP OPFI Insiders & 13F OPFI Whale Options OPFI Profit Sankey OPFI News & Why