OppFi (OPFI) stock

Credit accessFintech and payments

Worth $534M

$6.03

-2.43%

Credit access, worth $534MFintech and payments

As of Tuesday's close · Live for Pro members at the open

Quality Score

-4

Poor

In its industry

#10of 10

Consumer Finance

Checks firing

2of 14

Trending down

From 52-week high

-48.4%

under its best in a year

OPFI's Quality Score fell 3 points on Tue, Nov 10, to -4. Trading picked back up (3 chart checks stopped).

See OPFI's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

We do the work for you. Every stock is scored and ranked, every 15 seconds while the market is open. Here it's 15 minutes behind. Pro members see it live.

Why is OPFI down?

Down 9% over five years while the S&P 500 rose 72%.

Its biggest one-day fall in five years came on a results day, Aug 11, 2026, when it fell 25%.

Sources: Price history, Nov 9, 2026

The other side, how the business stands, and the timeline, for Pro members.

Key facts on OPFI

Key facts on OPFI
Since its 2025 high	Down 64% while sales grew 9%
Latest filing	10-Q, Nov 5 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind OPFI's -4, free with an account →3 more reasons behind OPFI's -4, for Pro members.

OPFI in the news

TodayWith its group.

What's next

Tue Nov 10: Investor presentationSlides filed with an 8-K.

3 more dates ahead: conferences, for Pro members.

OPFI catalysts

Coming up

After its last 4 reports it closed -6.5% on average, higher 2 of 4 times.

6 past catalysts since 2021, with sizes and sources, for Pro members.

Why OPFI scores -4

Poorfor quality, not price, 2 of 14 chart checks firingWhat the Quality Score means

+2Chart checks 2 of 14 firing right now, one point each
−2Long-term trend below a falling 200-⁠day average, down over one year

Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth subtractsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.
Dilution subtractsNew shares over the year: -1 at 10% more, -2 at 25% more.
Insider trades subtracts

No effect today: Run-up, Size, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on OPFI and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 10:56 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when OPFI's Quality Score turns up

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How OPFI ranks in Consumer Finance

OPFI is #10 of 10 by Quality Score.

How OPFI ranks in Consumer Finance
Rank	Stock	Checks	Quality Score
1	CHYMChime Financial	6/14	19
2	OPRTOportun Financial	7/14	16
3	DAVEDave	0/14	6
	SOFISoFi		Open for its score
10	OPFIOppFi	2/14	-4

Sales over four quarters against a year before: OPFI -6.5%, FIGR +89%.

When does OPFI report earnings, and what happens after?

Expected to report Wed Mar 10, before the open (in 120 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What OPFI reported on Oct 27, 2026

The quarter

The figures are not read from the release yet.

The filing on EDGAR

Where the sales came from

OPFI's results filing gives no sales by line in a table we read.

The outlook

The outlook the company gave, by period
Measure	Figure
Full year 2026
Total revenue	$600M to $610Mcut

Figures as filed (SEC filing, Oct 27)

2 more outlook lines, for Pro members.

The numbers

Market value: $534M; today
Sales: $352M; down 6.5% on the year
Free cash flow: $366M; last 12 months

Sales grew 14% a year over 5 years, fiscal 2020 to 2025.

Its share count grew 16% a year over 3 years.

5 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on OPFI: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

+1.4%-24.9%+3.5%

May 7Aug 10Oct 27

Reported	When	Gap	Reaction	5 days
Oct 27, 2026After close	After close	+5.3%	+3.5%	+7.2%
Aug 10, 2026After close	After close	-14.5%	-24.9%	-19.9%
May 7, 2026Before open	Before open	+4.6%	+1.4%	-9.1%

OPFI closed higher after 2 of its last 4 reports.

All 4 reports, and OPFI's Quality Score going into each

OPFI sales and profit by year

Sales and profit by year

Sales grew in five of the last six years, to $381M in 2025. It made a profit in four of the five years.

OPFI has 2 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on OPFI, and all 14 on every stock.Get in free →

OPFI RSI today: 50.8, below its 50-day and 200-day averages

Not scored

RSI 50.8, MACD above signal, below both averages. Not scored.13 readings

The deep dive on OPFI

What it does and how it makes money2 findingsIt kept 44 cents of each dollar of sales in fiscal 2025: $167M of operating profit on $381M of sales.Annual report, filed Mar 12, 2026
Where it stands2 findingsFor Pro members2 findings on where OPFI stands: its cash, debt, and share count, for Pro members
What changed in its filings3 findings"On March 7 … the Company filed a complaint for declaratory and injunctive relief ('Complaint') against the Commissioner (in her official capacity) of the Department of Financial Protection and Innovation of the State of California ('Defendant') in the Superior Court of the State of California, County of Los Angeles …" (10-Q for the quarter to Sep 30, 2026)SEC filing · Nov 5, 2026
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades OPFI, for Pro members
Against its closest peers1 peerSales over four quarters against a year before: OPFI -6.5%, FIGR +89%.

7 more findings on OPFI, each with its source, for Pro members.

OPFI insider trades

One insider bought $1.5M across 22 filings, and 4 insiders sold $1.4M across 5 filings, in the last 6 months. The newest:

SellPamela D. Johnson$69KCFOat $8.02 on Sep 11, filed Sep 15

SellPamela D. JohnsonCFO$69Kat $8.02 on Sep 11, filed Sep 15

All 27 insider filings on OPFI from the last six months, for Pro members.

All OPFI insider trades

OPFI's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Todd G. SchwartzChief Executive Officer · 23 trades
Pamela D. JohnsonCFO · 2 trades
Christopher J. McKayChief Risk & Analytics Officer · 1 trade
Jocelyn MooreDirector · 3 trades
David VennettilliDirector · 2 trades
Christina M. FavillaDirector · 1 trade
Jocelyn MooreDirector · 1 trade
Christina M. FavillaDirector · no trades on file

One more officer or director files at OPFI.

See insider trades by person

Which ETFs hold OPFI?

In ETFs: OPFI is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.

About OppFi

OppFi Inc. is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to expand credit access for everyday Americans. It recognizes revenue from finance charges on installment and SalaryTap contracts using the interest method.

410 employeesChicago, ILoppfi.com

What OppFi says it competes with

“Consumer lending is a vast and competitive market, and the OppFi platform competes in varying degrees with all other sources of unsecured consumer credit, including banks, non-bank lenders (including retail-based lenders) and digital specialty finance platforms.”

From its annual report, SEC filing · Mar 12, 2026

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Price action, the company, and signals, each with its points, on OPFI and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
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Who reports each day, and how each stock took its last four reports.
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Each date in the company's words, its cash against the date, and an optional alert before it.
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What would turn OPFI's score around: 6 things
4 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawaySep 15Todd G. Schwartz bought OPFI$26K at $7.96, filed Sep 15

Alerts are optional.

See OPFI's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: OPFI's Quality Score is -4 (Poor), #10 of 10 in Consumer Finance. Insiders bought $1.5M and sold $1.4M in the last 6 months (Form 4).

What does OPFI's Quality Score say?

OPFI scores -4 today, which Breakaway calls Poor. It is #10 of 10 in Consumer Finance & Fintech by Quality Score, with 2 of 14 chart checks firing. Down 9% over five years while the S&P 500 rose 72%. Shares: 3.0 times the count a year ago (to Sep 30). Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is OPFI's Quality Score?

OPFI scores -4 today, which Breakaway calls Poor (below zero). That is #10 of 10 in Consumer Finance & Fintech by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind OPFI's -4.

Are insiders buying OPFI?

One insider bought $1.5M across 22 filings, and 4 insiders sold $1.4M across 5 filings, in the last 6 months. The newest is Pamela D. Johnson, CFO, who sold $69K on Sep 11. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.