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OppFi Inc.

corporate_fare Company Profile

OppFi Inc.

OPFI·NYSE·Finance·CIK 0001818502

OppFi is a technology-enabled specialty finance platform that helps community banks offer credit to everyday Americans. The company focuses on financial inclusion and credit access for the 48 million Americans facing credit insecurity. OppFi's primary product is offered through its OppLoans platform, which facilitates installment loans. The average installment loan for a new borrower on the OppLoans platform is approximately $1,950, payable in installments over an average contractual term of 11 months. Payments are reported to the three major credit bureaus. OppFi aims to provide a transparent, fair, and repayable alternative to products like payday loans. The company's platform offers a highly automated, transparent, efficient, and fully digital experience for customers. Banks partnering with OppFi benefit from its outsourced marketing, data science, and proprietary technology for digital customer acquisition, underwriting, and servicing. From its inception through December 31, 2025, OppFi has facilitated over $8.6 billion in gross loan issuance, covering more than 4.7 million loans. Customers using the OppLoans platform are generally employed U.S. consumers with bank accounts and median wages, who may need loans due to hardships, emergencies, or unplanned expenses and are often rejected by traditional banks due to their credit scores.

OppFi Inc. (NYSE:OPFI) is a publicly traded company in the Finance sector. Wiseek has independently scored 17 items for OPFI at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-09-21, rated 7/10. Across its 17 most recent items scored 7 or higher, the top rating is 9/10, with 13 rated 8 or above. Recent SEC coverage for OPFI spans 8-K, 10-Q, 424B3, 425.

Recent high-impact activity:

  • OppFi Taps $75M of $100M Credit Facility at 12.5% Interest
  • BNCC Stockholders Approve $132.8M Merger with OppFi
  • OppFi Q2 Earnings: Net Income Surges 36% but Guidance Cut; New $100M Term Loan Secured
  • OppFi Lands $100M Credit Line, Posts Record Q2 Revenue, but Trims Full-Year Outlook
  • OppFi Posts Record Q2 Revenue of $145.2M, Net Income Surges 36%

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$381.18M
Net Income
$26.33M
Diluted EPS
$0.99
Op. Cash Flow
$401.31M
Free Cash Flow
$382.19M
Operating Income
$166.68M
Cash & Equivalents
$49.45M
Debt / Equity
0.00×
Net Margin
6.9%
Shares Outstanding
26.51M sh
Source: 10-K · filed 2026-03-12 · accession 0001818502-26-000019

Short Interest & Short Volume

3.81 days to cover

FINRA reported short interest of 3,494,465 shares in OPFI as of the September 15, 2026 settlement, a 8.4% increase from the prior period — about 3.8 days to cover at its recent average daily volume. On October 2, 2026, 47.3% of OPFI volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)3,494,465 shares as of September 15, 2026
Change vs prior period▲ 8.4%
Days to cover3.81 at avg daily volume of 917,211
Daily short volume (FINRA facilities)47.3% of 166,077 shares on October 2, 2026
5-day average short volume52.7%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

Dilution Risk

Low risk

Filing-implied dilution signals for OPFI, detected from its recent SEC filings · based on capital-structure filings through 2026-08-06.

1 recent capital raise

Acquisition Finalized · Consideration Details

⚠ A more recent filing has been published for this ticker since this signal was computed; it may not yet be reflected — see the filings below.

A filing-implied signal, not a realized share count. How Wiseek tracks dilution →

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$6 +0.03% today
52-week range · as of 2026-09-21 $6 – $12.45
Market cap
$508.69M
Volume
642.7K (0.8× avg)
3-mo avg 855.2K
Live data · 2026-10-05 03:40 UTC · Market closed

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feed OPFI - Latest Insights

OPFI
Sep 21, 2026, 4:09 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $6.45
Real-time Price: $6.00 info
Change: -$0.450 (-7%) info
Market Cap: $508.693M info
OPFI
Sep 17, 2026, 4:30 PM EDT
Source: PR Newswire
Importance Score:
9
Price at Filing: $7.04
Real-time Price: $6.00 info
Change: -$1.04 (-15%) info
Market Cap: $508.693M info
OPFI
Aug 10, 2026, 4:57 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $7.17
Real-time Price: $6.00 info
Change: -$1.17 (-16%) info
Market Cap: $508.693M info
OPFI
Aug 10, 2026, 4:14 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $7.23
Real-time Price: $6.00 info
Change: -$1.23 (-17%) info
Market Cap: $508.693M info
OPFI
Aug 10, 2026, 4:05 PM EDT
Source: PR Newswire
Importance Score:
8
Price at Filing: $8.45
Real-time Price: $6.00 info
Change: -$2.45 (-29%) info
Market Cap: $508.693M info
OPFI
Aug 06, 2026, 5:15 PM EDT
Filing Type: 424B3
Importance Score:
9
Price at Filing: $9.76
Real-time Price: $6.00 info
Change: -$3.76 (-39%) info
Market Cap: $508.693M info
OPFI
Jun 16, 2026, 7:23 AM EDT
Source: Wiseek News
Importance Score:
8
Price at Filing: $8.21
Real-time Price: $6.00 info
Change: -$2.21 (-27%) info
Market Cap: $508.693M info
OPFI
May 07, 2026, 5:34 PM EDT
Filing Type: 425
Importance Score:
8
Price at Filing: $10.04
Real-time Price: $6.00 info
Change: -$4.04 (-40%) info
Market Cap: $508.693M info
OPFI
May 07, 2026, 5:23 PM EDT
Filing Type: 10-Q
Importance Score:
7
Price at Filing: $9.95
Real-time Price: $6.00 info
Change: -$3.95 (-40%) info
Market Cap: $508.693M info
OPFI
May 07, 2026, 7:15 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $10.19
Real-time Price: $6.00 info
Change: -$4.19 (-41%) info
Market Cap: $508.693M info
OPFI
Apr 30, 2026, 9:49 PM EDT
Filing Type: SCHEDULE 13D/A
Importance Score:
9
Price at Filing: $9.53
Real-time Price: $6.00 info
Change: -$3.53 (-37%) info
Market Cap: $508.693M info
OPFI
Apr 29, 2026, 7:23 AM EDT
Source: Wiseek News
Importance Score:
9
Price at Filing: $9.20
Real-time Price: $6.00 info
Change: -$3.20 (-35%) info
Market Cap: $508.693M info
OPFI
Apr 29, 2026, 7:16 AM EDT
Filing Type: 8-K
Importance Score:
9
Price at Filing: $9.20
Real-time Price: $6.00 info
Change: -$3.20 (-35%) info
Market Cap: $508.693M info
OPFI
Apr 16, 2026, 4:25 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $8.52
Real-time Price: $6.00 info
Change: -$2.52 (-30%) info
Market Cap: $508.693M info
OPFI
Mar 12, 2026, 4:55 PM EDT
Filing Type: 10-K
Importance Score:
8
Price at Filing: $8.25
Real-time Price: $6.00 info
Change: -$2.25 (-27%) info
Market Cap: $508.693M info
OPFI
Mar 11, 2026, 7:20 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $8.51
Real-time Price: $6.00 info
Change: -$2.51 (-29%) info
Market Cap: $508.693M info
OPFI
Mar 11, 2026, 7:00 AM EDT
Source: Reuters
Importance Score:
7
Price at Filing: $9.68
Real-time Price: $6.00 info
Change: -$3.68 (-38%) info
Market Cap: $508.693M info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets