What is the 13F Pro Quality Score for OPFI?

13F Pro ranks OppFi Inc. (OPFI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View OPFI's current score at https://13fpro.ai/company/OPFI (free sign-up required for the full ranking).

Where does 13F Pro source OPFI data?

All OppFi Inc. fundamentals and ownership data come directly from SEC EDGAR. OppFi Inc. files with the SEC under CIK 1818502. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is OPFI in?

OppFi Inc. (OPFI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives OPFI's revenue?

Per OppFi Inc.'s latest 10-Q filed with the SEC on 2026-08-10, the biggest revenue drivers are: Interest on finance receivables ($143.7M, +1.8% YoY); Other revenue ($1.4M, +11.2% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/OPFI.

What are OPFI's largest expenses?

OppFi Inc.'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($16.3M, -8.2% YoY); Professional fees ($13.6M, +184.1% YoY); Direct marketing costs ($11.4M, -4.1% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is OPFI research updated on 13F Pro?

OPFI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

OppFi Inc.(OPFI)Stock Analysis

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Financials →NYSEsmall

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SEC EDGAR: CIK 1818502 OPFI stock profile & AI dashboard →

13F Pro Quality Score

67.5/100

Rank #363 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

59.8/100

Profitability

89.9/100

Balance Sheet

90.9/100

Earnings Quality

92.0/100

Free Cash Flow

99.3/100

Institutional Flow

90.2/100

Revenue Scale

32.5/100

Dilution Risk

35.5/100

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Why OPFI Scores 68/100

exact factor attribution · 2026-09-11

OPFI's composite is driven by profitability and free cash flow, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.0 pts

90th pct

Free cash flow

+7.4 pts

99th pct

Capital efficiency

+5.5 pts

91th pct

Earnings quality

+4.2 pts

92th pct

Earnings growth

+3.2 pts

99th pct

Institutional flow

+2.7 pts

90th pct

Revenue growth

+2.6 pts

60th pct

Shareholder dilution

-1.0 pts

36th pct

Scale

-3.5 pts

33th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

OPFI Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for OppFi Inc. (OPFI), a Financials sector company. 13F Pro's AI-powered ranking engine scores OPFI at 67.5/100 on a 32-signal composite quality model, placing it at rank #363 of 2,961 stocks — the top 25% of the AI-ranked universe. OPFI scores in the top quartile across free cash flow (99.3), earnings quality (92.0), balance sheet strength (90.9). Areas of concern include revenue scale (32.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 35.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), OppFi Inc. reports quarterly revenue of $86.2M, net income of $14.8M, an operating margin of 28.3%. Top institutional holders of OPFI by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, VANGUARD CAPITAL MANAGEMENT, BlackRock, 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. OppFi Inc.'s 13F Pro composite quality score has ranged between 38 and 68 since 2026, currently 67.5 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about OppFi Inc.

Quirks, history, and lore behind OPFI — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial technology company · listed on the NYSE · headquartered in Chicago, Illinois · operates in the consumer lending space.
2
The Numbers
Annual revenue in the low hundreds of millions of dollars, serving hundreds of thousands of borrowers who typically have non-prime credit scores.
3
The History
Founded in the early 2010s, it went public via a SPAC merger — the trendy blank-check vehicle of the pandemic era — rather than a traditional IPO.
4
The Secret
Its core model partners with community banks to originate loans, letting it reach customers that big banks turn away while keeping its own regulatory footprint lean.
5
The Lore
Its name is a mashup of the words "opportunity" and "finance" — a deliberate signal that it sees underserved borrowers as an overlooked market, not a charity case.
6
The Giveaway
Ticker OPFI, built around the mission of expanding credit access — its very name spells out Opportunity Finance, one syllable at a time.

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What's Driving OPFI's Business? Latest 10-Q Breakdown

✓ 19/19 datapoints verified

AI-extracted from OppFi Inc.'s 10-Q filed 2026-08-10 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total revenue grew a modest 1.9% YoY to $145.2M, but net charge-offs jumped to 39.5% of revenue (from 31.9%) as portfolio yield declined, even as net income rose 36% to $15.6M on a warrant-liability swing.

Biggest Revenue Drivers

Interest on finance receivables$143.7M+1.8% YoY

Increase due to higher average receivables balances throughout the period

Other revenue$1.4M+11.2% YoY

Interest on deposits, bank-partner servicing fees, and Turn-Up/Turn-Down referral fees

Biggest Revenue Drivers

Total revenue: $145.2M+1.9% YoY

Interest on finance receivables$143.7M+1.8% YoY

Increase due to higher average receivables balances throughout the period

Other revenue$1.4M+11.2% YoY

Interest on deposits, bank-partner servicing fees, and Turn-Up/Turn-Down referral fees

Largest Expense Items

Salaries and employee benefits$16.3M-8.2% YoY

Decrease largely related to lower stock compensation expense

Professional fees$13.6M+184.1% YoY

Increase related to the BNCCORP Transaction and Corporate Simplification

Direct marketing costs$11.4M-4.1% YoY

Declined alongside lower net originations

Interest expense and amortized debt issuance costs$8.1M-15.7% YoY

Lower interest expense resulting from paying down debt and rate decreases

Margins: Expenses as a percent of total revenue rose to 42.6% from 38.9% YoY, driven by a 184% jump in professional fees tied to the BNCCORP Transaction and Corporate Simplification, partially offset by lower interest expense and salaries.

Watch Items from the Filing

Net charge-offs as a percentage of total revenue rose to 39.5% from 31.9% YoY, driven by a lower-yielding portfolio and elevated gross charge-offs.
Pending BNCCORP acquisition (~$130.7M consideration, ~6.8M new shares) subject to regulatory and stockholder approvals; expected to close Q4 2026 but could fail or be delayed.
California DFPI won its Notice of Appeal filed July 17, 2026 against the Company's summary judgment win, prolonging uncertainty over the bank-partnership 'true lender' model.
Consumers in Texas and Virginia represent approximately 11% and 10%, respectively, of the finance receivables portfolio.
Total net originations declined 9.3% YoY to $212.0M, mainly from lower refinance-customer originations versus a prior-year credit model change.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$86.2M

Net Income

Q2 2026

$14.8M

Free Cash Flow

Q2 2026

$87.4M

Operating Margin

Q2 2026

28.3%

ROIC

Q2 2026

23.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+18.6% YoY

$381.2MFY 2025

FY22 $217.0MFY23 $273.2MFY24 $321.5MFY25 $381.2M

Net Income

+262.8% YoY

$26.3MFY 2025

FY22 $7.1MFY23 $-1.0MFY24 $7.3MFY25 $26.3M

Operating Income

+76.3% YoY

$166.7MFY 2025

FY22 $-6.3MFY23 $46.4MFY24 $94.5MFY25 $166.7M

EPS (Diluted)

+175.0% YoY

$0.99FY 2025

FY22 $0.05FY23 $-0.06FY24 $0.36FY25 $0.99

Total Assets

+17.6% YoY

$754.1MFY 2025

FY22 $579.8MFY23 $601.5MFY24 $641.2MFY25 $754.1M

Total Debt

—FY 2025

FY22 —FY23 —FY24 —FY25 —

Op. Cash Flow

+23.9% YoY

$401.3MFY 2025

FY22 $243.3MFY23 $296.1MFY24 $323.8MFY25 $401.3M

Free Cash Flow

+23.0% YoY

$382.2MFY 2025

FY22 $230.0MFY23 $287.2MFY24 $310.8MFY25 $382.2M

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
Free Cash Flow	$382.2M +23.0%	$310.8M +8.2%	$287.2M +24.8%	$230.0M +50.4%	$153.0M -15.7%	$181.4M

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Available Research

13F Pro tracks comprehensive data for OppFi Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of OPFI

WELLINGTON MANAGEMENT GROUP LLP
$30.0M3,019,250 sh
VANGUARD CAPITAL MANAGEMENT LLC
$22.0M2,216,792 sh
BlackRock, Inc.
$20.3M2,047,243 sh
CITADEL ADVISORS LLC
$10.6M1,066,428 sh
CORSAIR CAPITAL MANAGEMENT, L.P.
$10.5M1,053,379 sh
M3F, Inc.
$7.6M764,445 sh
GEODE CAPITAL MANAGEMENT, LLC
$7.4M742,860 sh
TWO SIGMA INVESTMENTS, LP
$6.6M669,257 sh
DIMENSIONAL FUND ADVISORS LP
$6.4M646,233 sh
Nuveen, LLC
$6.4M641,376 sh

Fund	Value	Shares
WELLINGTON MANAGEMENT GROUP LLP	$30.0M	3,019,250
VANGUARD CAPITAL MANAGEMENT LLC	$22.0M	2,216,792
BlackRock, Inc.	$20.3M	2,047,243
CITADEL ADVISORS LLC	$10.6M	1,066,428
CORSAIR CAPITAL MANAGEMENT, L.P.	$10.5M	1,053,379
M3F, Inc.	$7.6M	764,445
GEODE CAPITAL MANAGEMENT, LLC	$7.4M	742,860
TWO SIGMA INVESTMENTS, LP	$6.6M	669,257
DIMENSIONAL FUND ADVISORS LP	$6.4M	646,233
Nuveen, LLC	$6.4M	641,376

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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. OPFI is classified as a small company.

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.