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Upturn AI Summary - About
OppFi Inc(OPFI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OPFI
10/15/2026: OPFI (1-star) is currently NOT-A-BUY. Pass it for now.
OppFi Inc is a financial technology company that provides AI-powered personal loans for consumers with limited credit histories through bank partnerships. The company's primary strength lies in its specialized underwriting model, which captures a market segment often neglected by traditional lenders. Its main growth opportunity involves diversifying its product suite and expanding into new regulatory environments. However, investors must consider the significant risks posed by potential legislative interest rate caps, macroeconomic pressure on subprime borrowers, and high customer acquisition costs. OppFi may suit investors with a higher risk tolerance looking for exposure to the evolving digital lending space, provided they monitor regulatory and credit developments closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential in digital lending but faces significant regulatory and credit risks. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit high volatility and momentum based on interest rate shifts and regulatory news. |
| Value investor | Mixed fit | Valuation may appear attractive on a P/E basis, but risks to the core business model remain elevated. |
| Dividend investor | Weak fit | OppFi does not pay a dividend and focuses on reinvesting cash flow. |
| Low-risk investor | Weak fit | High sensitivity to macroeconomic changes and regulatory shifts makes this a high-risk equity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to sharp price swings based on fintech sector sentiment. |
| Valuation risk | Medium / high | Valuations for fintech companies can fluctuate widely based on growth expectations. |
| Competition risk (Lending & FinTech) | High | Intense pressure from established banks and nimble startups threatens margins. |
| Business quality | Medium | The business model depends on regulatory stability and credit performance. |
| Dividend income | Low / none | There is no dividend income for investors. |
| Execution risk | Medium / high | Success relies on the continuous accuracy of proprietary credit underwriting algorithms. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 37.01% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 484.83M USD | Price to earnings Ratio 2.66 | 1Y Target Price 12.19 |
Price to earnings Ratio 2.66 | 1Y Target Price 12.19 | ||
Volume (30-day avg) 820.2K shares | Beta 1.8 | 52 Weeks Range 5.59 - 11.69 | Updated Date 10/15/2026 |
52 Weeks Range 5.59 - 11.69 | Updated Date 10/15/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.14 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Lending Platform | Interest and fees generated from personal installment loans facilitated through bank partners. | The company earns money primarily through interest on loans and fees associated with their credit platform. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 2.66 | Forward PE 3.08 | Enterprise Value 757.64M | Price to Sales(TTM) 1.48 |
Enterprise Value 757.64M | Price to Sales(TTM) 1.48 | ||
Enterprise Value to Revenue 1.24 | Enterprise Value to EBITDA 1.94 | Shares Outstanding 85.21M | Shares Floating 33.45M |
Shares Outstanding 85.21M | Shares Floating 33.45M | ||
Percent Insiders 60.49 | Percent Institutions 26.98 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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