Stock Ratings / Financials / OPFI / earnings

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

OppFi Inc. (Class A) (OPFI) Next Earnings Date & Expected ±8% Move

$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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±8% Swing Band

±$0.47 Expected Swing

MODEL EARNINGS SETUP GAUGE

OPFI Quantitative Pre-Earnings Setup: 69/100

Trailing EPS: $0.31 • YoY Revenue Growth: 12.4%

Model Bullish Setup (69/100)Model Risk Weight (31/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$26.3M	$401.3M	52%
FY 2024	2024-12-31	$0	$7.3M	$323.8M	52%
FY 2023	2023-12-31	$0	-$1.0M	$296.1M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating OPFI & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on OPFI
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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

When is OPFI's next earnings date?

Based on SEC filing cadence, OppFi Inc. (Class A) (OPFI)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is OPFI stock expected to move on earnings?

Volatility modeling currently projects a ±8% event move for OPFI, spanning a range between $5.39 and $6.33.

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