OppFi Inc. Class A Common Stock (OPFI)

FairStock Score: 86/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach OppFi as a Graham-style deep-value situation with Buffett-style skepticism about financial lenders. The business is a tech-enabled digital finance platform that helps bank partners make installment loans to consumers turned away by mainstream options. The filed figures show a real turnaround: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $14.8 million and diluted EPS $0.18, versus a net loss of $20.8 million and diluted EPS -$0.78 in fiscal Q2 2025. For fiscal 2025, net income was $26.3 million and diluted EPS $0.99, up from fiscal 2024 net income of $7.3 million and EPS $0.36, after a fiscal 2023 net loss of $1.0 million and EPS -$0.06. FairStock labels this a TURNAROUND for that reason. At the $5.47 close on 2026-10-26, FairStock calculates a P/E of 1.82, P/B of 1.13, EV/EBITDA of 1.15, and a 170.7% FCF yield; the Graham Number is $18.14, implying a 70.12% margin of safety. ROE is 58.24% and ROCE 25.49%. But I cannot ignore the risks: D/E is 0.69, Altman Z is 1.76, Piotroski is 4/9, beta is 1.78, and quarterly earnings swing sharply—Q1 2026 net income was $28.4 million and Q3 2025 was $41.6 million, yet Q2 2025 was a $20.8 million loss. The moat is not obvious in this regulated, credit-sensitive niche. The price looks statistically cheap, but the quality and durability of those earnings need proof.

In plain English: OppFi is a digital finance platform that works with banks to offer installment loans to people who may be turned away by mainstream lenders. It has moved back into profit after losses, and recent reported earnings have been positive. At $5.47, the shares look very cheap against the company's reported numbers, but the business is small, volatile, and sensitive to credit and regulation.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer