MARKET WIRESeekingAlpha • 2d ago
OppFi: The Selloff Has Gone Too FarOppFi Inc. remains a Buy despite regulatory and credit risks, with shares deeply discounted versus sector multiples. Learn more about OPFI stock here.
Why OPFI Stock surged +3.90% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $499.3M
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Click Any Pre-Computed AI Quant Specialist Briefing on OPFI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is OPFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does OPFI compare to WYFI and FWDI in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for OPFI?
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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.
✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
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
77
Q2 (-2Q)Grade B+$5.65-4.1% Next Q
74
Q3 (-1Q)Grade B$5.42+8.1% Next Q
72
CurrentGrade C+$5.86+2% Hist 90D α
69
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why OPFI Stock surged +3.90% Today — RQD Quant Desk Flash
OppFi Inc. (Class A) (OPFI) surged +3.90% to $5.86, trading at 8% of its 52-week range ($5.36 – $11.69). Solid steady margins (85% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 8% of its 52-week range ($5.36 – $11.69) with RSI-14 at 40.6 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±8% around $5.86 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $401.3M annual free cash flow.
Live OPFI Headlines & Catalysts
MARKET WIREYahoo • 4d ago
OppFi Inc. Q3 2026 Earnings Call SummaryMoby summary of OppFi Inc.'s Q3 2026 earnings call
MARKET WIREYahoo • 4d ago
OppFi (OPFI) Q3 2026 Earnings Call TranscriptCEO Schwartz discusses new line of credit product and path to $500M adjusted net income.
RISK WATCHSeekingAlpha • 4d ago
OppFi Inc. (OPFI) Q3 2026 Earnings Call TranscriptOppFi Inc. (OPFI) Q3 2026 Earnings Call October 28, 2026 8:30 AM EDTCompany ParticipantsTodd Schwartz - Founder, Executive Chairman & CEOPamela Johnson...
MARKET WIRESeekingAlpha • 4d ago
OppFi Inc. 2026 Q3 - Results - Earnings Call Presentation2026-10-28. The following slide deck was published by OppFi Inc.
MARKET WIREYahoo • 4d ago
OppFi Q3 Earnings Call HighlightsOppFi (NYSE:OPFI) reported lower third-quarter revenue, originations and adjusted earnings as the company maintained a cautious underwriting posture amid continued pressure on its consumer customer base. Management said
CATALYSTChartMill • 4d ago
OppFi (NYSE:OPFI) Posts Mixed Q3 2026 Results as EPS Beats but Revenue MissesOppFi (NYSE:OPFI) Q3 2026 was mixed: EPS beat, revenue missed consensus; shares rose premarket as new Line of Credit product adds growth angle.
MARKET WIREFintel • 4d ago
OppFi Inc. Reports Third Quarter 2026 ResultsRISK WATCHYahoo • 4d ago
OppFi Inc. (OPFI) Misses Q3 Earnings and Revenue EstimatesOppFi (OPFI) delivered earnings and revenue surprises of -2.63% and -4.55%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
MARKET WIREYahoo • 4d ago
OppFi Reports Third Quarter 2026 ResultsOppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans, today reported financial results for th
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
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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
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 0001818502In 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 ENABLEDIs 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 × FREDWhy is OPFI stock moving today?
Why OPFI Stock surged +3.90% Today — RQD Quant Desk Flash. Solid steady margins (85% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.