OppFi (OPFI)
Powers partner banks to originate short-term installment loans, then buys and services the receivables.
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Operates a tech-enabled lending platform: partner banks originate short-term installment loans for employed, non-prime consumers, and the company buys most of the resulting receivables and services them through a proprietary machine-learning underwriting system that automates the large majority of credit decisions for same-day funding.
Operates a bank-partnership lending platform: markets, underwrites, and services short-term installment loans that partner banks originate, then buys most of the receivables. Its core product serves employed, non-prime consumers, with a proprietary machine-learning model automating most underwriting for same-day funding.
Has extended into payroll-deduction loans and a consumer credit card, and holds a minority stake in a small-business financing provider, concentrating operations in the United States.
The model depends on a small group of FDIC-insured partner banks that originate the loans at inception, an arrangement critics call rent-a-bank lending and that has drawn state true-lender litigation.
Has agreed to acquire a bank holding company that would grant a national bank charter, eliminating its post-listing umbrella-partnership structure and shifting toward direct chartered lending.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 26, 2026 | UBS | Target | Target: — | Target: $11 |
| Aug 26, 2026 | Piper Sandler | Downgrade | Rating: — | |
| Aug 11, 2026 | Stephens | Target | Target: $11 | Target: $9.50 |
| May 8, 2026 | Stephens | Target | Target: — | Target: $11 |
| May 8, 2025 | JMP Securities | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $64.3M · Total debt $293.6M · Total assets $770.7M · Shareholders' equity $414.3M
- Revenue
- $145.2M
- Operating income
- $32.7M
- Net income
- $14.8M
| Institutions | 26.38% | 22.48M shares | |
|---|---|---|---|
| 152 holders · as of Jun 30, 2026 | |||
| Insiders | 55.32% | 47.14M shares | |
| 7 holders · as of Sep 15, 2026 | |||
| Other | 18.30% | 15.59M shares | |
| remainder | |||
85.21M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Todd G. Schwartz1Insiderdirector, 10 percent owner, officer: Chief Executive Officer | 32.33% | 27.35M | filed Sep 15, 2026 |
Theodore G. SchwartzInsiderdirector, 10 percent owner | 22.20% | 18.92M | filed Jun 10, 2026 |
Wellington Management Group LLPInstitution | 3.54% | 3.02M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 2.60% | 2.22M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 2.40% | 2.05M | as of Jun 30, 2026 |
- Todd G. Schwartz's transaction reports restate only vehicles that traded; the 2026 ownership statement (27.35M) plus the 201.0K net shares acquired since is used instead.
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 11, 2026 | Pamela D. Johnson | officer: CFO | −8,650 | $8.02 |
| Sep 14, 2026 | Todd G. Schwartz | director, 10 percent owner, officer: Chief Executive Officer | +1,940 | $7.80 |
| Sep 11, 2026 | Todd G. Schwartz | director, 10 percent owner, officer: Chief Executive Officer | +3,300 | $7.96 |
| Sep 10, 2026 | Todd G. Schwartz | director, 10 percent owner, officer: Chief Executive Officer | +3,350 | $7.56 |
| Sep 9, 2026 | Todd G. Schwartz | director, 10 percent owner, officer: Chief Executive Officer | +3,450 | $7.59 |
- OneMain
Largest scaled rival in subprime/near-prime installment lending
- Enova International
Largest direct online non-prime lender via CashNetUSA and NetCredit
- Regional Management
Branch-based non-prime installment lender with a $2.1B receivables book
- World Acceptance
Branch-based non-prime installment lender of comparable revenue scale
- Affirm
Point-of-sale BNPL installment credit with growing non-prime exposure
- Happen
Near-prime personal-loan digital bank, adjacent to OppFi's non-prime tier
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| OppFi | $6.42 | +0.16% | $550.8M | — | 4.0 | — | +1.9% |
| OneMain | $59.08 | +0.03% | $6.98B | 9.1 | 7.5 | 1.1 | −15.5% |
| Enova International | $168.98 | −0.03% | $4.27B | 12.7 | 8.8 | 1.4 | +21.6% |
| Regional Management | $31.28 | +0.42% | $290.1M | 6.6 | 5.5 | 0.4 | +6.7% |
| World Acceptance | $172.99 | +0.01% | $797.3M | 20.2 | 13.9 | 1.3 | +5.1% |
| Affirm | $71.90 | +0.23% | $23.79B | 12.9 | 37.5 | 5.7 | +33.0% |
| Happen | $16.01 | +0.06% | $1.87B | 9.8 | 8.2 | 1.4 | −20.7% |
| Median | 11.2 | 8.5 | 1.4 | +5.9% |