OppFi Inc.(OPFI)Stock Analysis
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This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
OPFI Stock Analysis & AI Quality Score
AI stock analysis and institutional research for OppFi Inc. (OPFI), a Financials sector company. OPFI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), OppFi Inc. reports quarterly revenue of $87.3M, net income of $28.4M, free cash flow of $85.6M. Top institutional holders of OPFI by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. OPFI trades on the NYSE exchange and files with the SEC under CIK 1818502. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OPFI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for OppFi Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$87.3M
Net Income
Q1 2026
$28.4M
Free Cash Flow
Q1 2026
$85.6M
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+18.6% YoYNet Income
+262.8% YoYOperating Income
+76.3% YoYEPS (Diluted)
+175.0% YoYTotal Assets
+17.6% YoYTotal Debt
Op. Cash Flow
+23.9% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $381.2M +18.6% | $321.5M +17.7% | $273.2M +25.9% | $217.0M -17.7% | $263.7M +31.7% | $200.2M |
| Net Income | $26.3M +262.8% | $7.3M +822.2% | $-1.0M -114.2% | $7.1M -72.2% | $25.6M | — |
| Operating Income | $166.7M +76.3% | $94.5M +103.9% | $46.4M +830.9% | $-6.3M -111.1% | $57.3M -26.1% | $77.5M |
| EPS (Diluted) | $0.99 +175.0% | $0.36 +700.0% | $-0.06 -220.0% | $0.05 -89.6% | $0.48 | $0.00 |
| Total Assets | $754.1M +17.6% | $641.2M +6.6% | $601.5M +3.7% | $579.8M +15.5% | $502.1M +75.7% | $285.8M |
| Total Debt | — | — | — | — | $50.0M | — |
| Operating Cash Flow | $401.3M +23.9% | $323.8M +9.3% | $296.1M +21.7% | $243.3M +45.4% | $167.3M -12.9% | $192.1M |
AI Insight: OPFI Financial Trends
OPFI swung from $21M loss in Q2 2025 to $28M profit in Q1 2026, with equity nearly tripling from $19M to $76M over eight quarters.
• Revenue grew from $86M in Q2 2024 to $87M in Q1 2026, with peak of $105M in Q3 2025.
• Net income recovered dramatically from $21M loss in Q2 2025 to $28M profit in Q1 2026.
• Equity expanded from $19M in Q2 2024 to $76M in Q1 2026, quadrupling over eight quarters.
• Operating cash flow strengthened from $77M in Q2 2024 to $91M in Q1 2026.
⚠ Revenue volatility with sequential decline from $105M in Q3 2025 to $87M in Q1 2026.
⚠ Operating income dropped from $48M in Q3 2025 to $35M in Q1 2026 despite profitability recovery.
AI Insight: OPFI Ratio Trends
OppFi delivered a dramatic turnaround from losses through Q2 2025 to 32.5% net margin and 150.2% ROE in Q1 2026.
• Net profit margin surged from -20.7% in Q2 2025 to 32.5% in Q1 2026, marking a spectacular profitability recovery.
• ROE exploded from negative territory through Q2 2025 to 150.2% in Q1 2026, indicating exceptional returns to shareholders.
• Operating margin remained consistently elevated, ranging from 36.1% to 46.8% across the last five quarters.
• ROA turned positive in Q3 2025 and accelerated to 15.8% in Q1 2026 after negative readings earlier in 2025.
⚠ Sustainability of extreme 150.2% ROE levels, which may reflect temporary factors or low equity base effects.
⚠ Operating margin volatility, declining from 46.8% in Q1 2025 to 36.1% in Q4 2025 before recovering to 40.5%.
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Available Research
13F Pro tracks comprehensive data for OppFi Inc. including:
Top Institutional Holders of OPFI
WELLINGTON MANAGEMENT GROUP LLP
$20.3M2,630,168 shBlackRock, Inc.
$14.9M1,935,383 shVANGUARD CAPITAL MANAGEMENT LLC
$9.1M1,186,153 shTWO SIGMA INVESTMENTS, LP
$8.5M1,096,268 shMORGAN STANLEY
$5.5M710,308 shNuveen, LLC
$5.0M652,596 shRENAISSANCE TECHNOLOGIES LLC
$4.9M630,308 shGEODE CAPITAL MANAGEMENT, LLC
$4.7M611,184 shSIMPLEX TRADING, LLC
$4.2M538,300 shSTATE STREET CORP
$4.1M536,218 sh
| Fund | Value | Shares |
|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $20.3M | 2,630,168 |
| BlackRock, Inc. | $14.9M | 1,935,383 |
| VANGUARD CAPITAL MANAGEMENT LLC | $9.1M | 1,186,153 |
| TWO SIGMA INVESTMENTS, LP | $8.5M | 1,096,268 |
| MORGAN STANLEY | $5.5M | 710,308 |
| Nuveen, LLC | $5.0M | 652,596 |
| RENAISSANCE TECHNOLOGIES LLC | $4.9M | 630,308 |
| GEODE CAPITAL MANAGEMENT, LLC | $4.7M | 611,184 |
| SIMPLEX TRADING, LLC | $4.2M | 538,300 |
| STATE STREET CORP | $4.1M | 536,218 |
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Popular Research
Is OPFI a good stock to buy?
13F Pro's AI-powered analysis of OppFi Inc. (OPFI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for OPFI are available on the OPFI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own OPFI?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling OPFI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of OppFi Inc.'s investment landscape.