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OPFIOppFi Inc.Buy Wait6.1·$5.84

OppFi (OPFI) Q3 2026 earnings — TrendMatrix coverage

BEAT+7.3% vs estimateEPS $0.37 vs $0.35 estCurrent verdict Buy (Wait) 6.1/10

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

Event detail · Q3 2026

Key numbers

Adjusted EPS
$0.37
Estimate
$0.35
Surprise
+7.3%
Score today
6.1/10

Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.

Report record · Q3 2026

How the report landed

OppFi (OPFI) beat the $0.35 estimate with adjusted EPS of $0.37 — a clear 7.3% upside surprise.

Around the report

Coverage in the report window

  • OppFi Narrows FY2026 Adj EPS Guidance from $1.34-$1.51 to $1.34-$1.40 vs $1.41 Est; Narrows FY2026 Sales Guidance from $ — benzinga, 2026-10-28
Current read · as of 2026-10-29

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 +7.3% surprise compares with a -1.4% four-quarter average.

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.

Current engine read

The levels TrendMatrix's engine tracks

Current price
$5.84
Entry target
$5.64
Price target
$10.26
Stop
$5.25
Upside to target
+75.7%
Reward-to-risk
9.2:1

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.

Financial Services context

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
50.0%
RSI (14)
47
Volume vs avg
0.06×
Score today
6.1/10

EPS and the estimate come from Yahoo Finance’s earnings calendar, captured around the report date. That EPS is the adjusted figure analysts forecast, so it can differ from the GAAP diluted EPS in the company’s filing, and consensus estimates vary between data providers. Revenue comes from SEC XBRL company facts where available, yfinance-provisional otherwise. Not a buy/sell rating, a price target, or investment advice — see the current verdict on the stock’s main page for TrendMatrix’s live read.

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