Q1 EPS Estimates for OppFi Decreased by Northland Securities

OppFi Inc. (NYSE:OPFI) – Equities researchers at Northland Securities cut their Q1 2026 earnings per share estimates for OppFi in a research note issued to investors on Wednesday, March 11th. Northland Securities analyst M. Grondahl now anticipates that the company will post earnings per share of $0.35 for the quarter, down from their previous estimate of $0.41. The consensus estimate for OppFi’s current full-year earnings is $0.86 per share. Northland Securities also issued estimates for OppFi’s Q2 2026 earnings at $0.41 EPS, Q3 2026 earnings at $0.49 EPS, Q4 2026 earnings at $0.53 EPS and FY2026 earnings at $1.78 EPS.

OppFi (NYSE:OPFI) last issued its earnings results on Wednesday, March 11th. The company reported $0.30 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.28 by $0.02. The company had revenue of $85.57 million for the quarter, compared to analysts’ expectations of $159.80 million. OppFi had a net margin of 4.41% and a return on equity of 48.44%. OppFi has set its FY 2026 guidance at 1.760-1.840 EPS.

Several other brokerages have also issued reports on OPFI. Zacks Research lowered shares of OppFi from a “strong-buy” rating to a “hold” rating in a report on Monday, December 29th. Weiss Ratings restated a “sell (d+)” rating on shares of OppFi in a report on Monday, December 29th. One research analyst has rated the stock with a Buy rating, two have given a Hold rating and one has issued a Sell rating to the company. Based on data from MarketBeat.com, the stock currently has an average rating of “Hold” and an average target price of $14.00.

OppFi Stock Performance

NYSE:OPFI opened at $8.31 on Thursday. The firm has a 50-day simple moving average of $9.47 and a 200-day simple moving average of $10.07. OppFi has a one year low of $7.54 and a one year high of $15.03. The firm has a market cap of $717.22 million, a P/E ratio of -75.50 and a beta of 1.73.

Institutional Inflows and Outflows

Large investors have recently modified their holdings of the company. Invesco Ltd. lifted its position in OppFi by 30.4% during the fourth quarter. Invesco Ltd. now owns 48,580 shares of the company’s stock valued at $508,000 after acquiring an additional 11,338 shares during the last quarter. Vident Advisory LLC purchased a new position in OppFi in the fourth quarter worth $730,000. Mackenzie Financial Corp increased its position in shares of OppFi by 18.8% during the fourth quarter. Mackenzie Financial Corp now owns 82,039 shares of the company’s stock worth $887,000 after purchasing an additional 12,966 shares in the last quarter. XTX Topco Ltd acquired a new position in shares of OppFi during the fourth quarter worth $350,000. Finally, Wellington Management Group LLP lifted its holdings in shares of OppFi by 193.3% during the 4th quarter. Wellington Management Group LLP now owns 2,474,102 shares of the company’s stock valued at $25,879,000 after purchasing an additional 1,630,450 shares during the last quarter. Institutional investors own 7.10% of the company’s stock.

Key OppFi News

Here are the key news stories impacting OppFi this week:

• Positive Sentiment: Record 2025 performance: OppFi reported FY25 revenue of $597.1M, adjusted net income of $139.8M and adjusted EPS of $1.59 (all-time highs), and GAAP net income rose 74.4% to $146.2M — evidence of strong underlying growth and profitability. OppFi Reports Record Annual Revenue, Net Income, and Adjusted Net Income
• Positive Sentiment: Q4 EPS beat: OppFi posted $0.30 EPS vs ~ $0.28 consensus, reinforcing margin/earnings strength for the quarter. OppFi Inc. (OPFI) Beats Q4 Earnings Estimates
• Positive Sentiment: Raised FY2026 guidance: Management set FY26 EPS guidance of 1.760–1.840 (above consensus) and revenue guidance of $650–675M — EPS guidance is a clear positive even if revenue guidance is mid‑range. MarketBeat OPFI coverage (guidance summary)
• Positive Sentiment: Analyst support: Stonegate updated coverage noting momentum after FY25, and Northland raised FY2026 estimates to ~$1.78 EPS while revising quarterly figures — institutional modeling is tilting more bullish on 2026. Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 4Q25
• Neutral Sentiment: Earnings call/transcripts and slides posted — useful for digging into originations mix, margin drivers and gas‑price commentary but no single surprise called out in transcripts. OppFi Inc. Q4 2025 Earnings Call Transcript
• Negative Sentiment: Quarter revenue line confusion/pressure: some reports note Q4 revenue figures that looked light versus certain expectations (one summary cited $85.6M vs a higher street figure), a data point investors may be using to justify selling. OppFi Q4 earnings summary (MarketBeat)
• Negative Sentiment: Near‑term estimate tweaks: Northland cut its Q1 2026 EPS view while raising full‑year 2026 — mixed quarter‑by‑quarter revisions can sap sentiment even when FY outlook improves. MarketBeat OPFI analyst revisions

OppFi Company Profile

OppFi (NYSE: OPFI) is a financial technology company that provides digital lending and credit solutions designed to meet the needs of near-prime consumers in the United States. Through its technology-driven platform, OppFi offers unsecured installment loans under the OppLoans brand, allowing borrowers to access credit online or via mobile devices. The company leverages proprietary data analytics and machine learning models to assess credit risk, streamline underwriting processes and deliver personalized loan products with transparent terms.

Headquartered in Chicago, Illinois, OppFi was founded in 2013 with a mission to increase financial inclusion for underserved and underbanked populations.