OppFi (OPFI) Q2 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.33
- Estimate
- $0.45
- Surprise
- -25.8%
- Revenue (period 2026-06-30)
- $86.2M
- Score today
- 6.1/10
Revenue source: xbrl.
How the report landed
OppFi (OPFI) missed the $0.45 estimate with adjusted EPS of $0.33 — a large 25.8% shortfall.
Where TrendMatrix's rating stands now
TrendMatrix currently rates OPFI Buy (Wait) at 6.1/10; no pre/post engine snapshot brackets this report.
3 of the last 4 quarters beat the estimate; this quarter's -25.8% surprise compares with a -1.4% four-quarter average. Next scheduled report: 2026-10-28.
What supports the rating
- V7 flight-to-quality bonus: +0.5 (Q=8.8 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Weak growth
- Below 200-MA, MA slope -7.8%/30d (confirmed downtrend)
- SECTOR_CONCENTRATION_CAP:sector=Financial Services:count=10:cap=10
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $5.90
- Entry target
- $5.71
- Price target
- $10.26
- Stop
- $5.31
- Upside to target
- +73.9%
- Reward-to-risk
- 8.1:1
At 2.6× trailing and 2.9× forward earnings, consensus estimates imply little change in earnings power.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — shown for context, not personalized investment advice.
OPFI at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $480.6M
- P/E (fwd)
- 2.9
- P/E (ttm)
- 2.6
- 52-week range
- $5.36–$11.69
- Off 52-week high
- 49.5%
- RSI (14)
- 49
- Volume vs avg
- 0.47×
- Score today
- 6.1/10