OppFi (OPFI) Stock Forecast & Price Target

OppFi is viewed positively because its shares trade at only about 4.5x to 4.6x 2027 earnings while the pending BNC transaction could add meaningful earnings accretion. Management has reiterated that the deal may be 25% accretive to Adjusted EPS in 2027, 40% in 2028, and 50% in 2029, supporting a path toward roughly $3.00 of run-rate EPS by the end of 2028. Even with lowered FY26 Revenue and Adjusted EPS guidance, the company still sees a return to growth exiting FY26, aided by the LOC roll-out, LOLA migration, and a bank acquisition expected to reduce cost of funds through deposits.

OppFi is facing a weaker fundamental setup as 2Q originations fell more than 9% Y/Y after a 7% decline in 1Q, while revenue of $145M and adjusted EPS of $0.33 both missed expectations and net charge-offs rose to 52.3% of receivables. Its core short-term installment product appears to be losing share to products with smaller monthly payments, and management’s delayed line-of-credit rollout adds execution risk just as the company lowered full-year guidance for revenue to $600M-$625M and adjusted EPS to $1.34-$1.51. With more than half of originations tied to FinWise since 2019, triple-digit APRs inviting regulatory scrutiny, and fair value marks already pressured by slower growth, the stock’s outlook remains challenged.