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Stock Ratings / Financials / OPFI
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OppFi Inc. (Class A) (OPFI) — RQD Stock Rating Cockpit

$5.60 -0.36% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $5.59

OppFi Inc. (Class A) (OPFI) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $478.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OPFI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OPFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, OppFi Inc. (Class A) (NYSE: OPFI) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $5.60 (-0.36% 1D, market cap $478.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, OPFI ranks #654 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OPFI compare to ABTC and FWDI in the Financials sector?
▼

Within the Financials sector (Finance: Consumer Services), OPFI carries a Roarable D (50/100 RQD), trailing P/E of 19.0x, gross margin of —, and ROIC of 85.0%. By comparison, ABTC (American Bitcoin Corp. (Class A)) holds a E grade (23/100 RQD, P/E N/A, ROIC -27.1%, cap $483.5M) and FWDI (Forward Industries Inc.) posts a E grade (29/100 RQD, P/E N/A, ROIC -0.8%, cap $484.4M). Among the 5-stock peer group, OPRT leads on earnings multiple (18.2x) while OPFI leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OPFI?
▼

Per OPFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001818502), OppFi Inc. (Class A) generated $466.7M in revenue (+76.3% YoY), $26.3M in net income, and $401.3M in free cash flow against $754.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $5.59 (-0.25%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 86% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510050
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk D
Cash (15)Whales (3)SEC (13)Macro (7)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-3.6% Base Target
$12 Bull$5 Base$4 Bear
📬 FREE OPFI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OPFI)Realized 20D OHLCV Swing Band: ±8.1%
Deterministic 5-Pillar Attribution (50/100 Composite)
🔍 WHY OPFI SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (30% of score)

SEC XBRL FY 2025 (10-K): 86% FCF Margin ($401.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$5.82-3.3% Next Q
Q2 (-2Q)
55
Grade C$5.63-3.2% Next Q
Q3 (-1Q)
53
Grade C-$5.45+2.8% Next Q
Current
50
Grade D$5.60-1.4% Hist 90D α
Trajectory: C (58) → D (50)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a OPFI Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While OPFI currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($6.38) and Max Pain ($5.88) forces dealer call-delta covering toward $12.27.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OPFI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “OPFI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 50%NO 50%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
42.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE4% OF RANGE
L: $5$5.60H: $12
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 15 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 20 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on OPFI

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (75)

85.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (37)

15/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like OPFI
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring OPFI)

  • ✓Walkthrough of OPFI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
OPFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -42.09%🛡️ HOLDING TREND SUPPORT
2026-11-03O $5.86H $5.86L $5.60C $5.60VOL 959.7K
RES: $9.41SUP: $5.23SMA50: $6.38SMA200: $8.18
$11.34$9.72$8.10$6.48$4.86RES $9.41SUP $5.23$5.602026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OPFI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OPFI Butterfly Map → + Track OPFI →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
12.4%/yr Implied 5Y Growth

vs. +76.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on OPFI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OPFI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for OPFI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OPFI)

Financials Rank #654 of 1097 ⚔️ ABTC vs OPFI Full Matrix →

1. Head-to-Head Financials Peer Comparison (OPFI vs. ABTC, FWDI, WYFI, OPRT)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, OppFi Inc. (Class A) (OPFI) ranks #654 by composite RQD confidence (50/100, grade D) and #713 by equity capitalization ($478.9M). Within this direct 5-issuer industry benchmark cohort, OPRT leads on earnings valuation at 18.2x trailing P/E, while OPFI leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. OPRT currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with OPFI at 50/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
OPFI ACTIVE
OppFi Inc. (Class A)
D 50/100 19.0x — 85.0% -0.36% $478.9M Benchmark Subject
ABTC
American Bitcoin Corp. (Class A)
E 23/100 — — -27.1% -7.38% $483.5M /abtc-vs-opfi →
FWDI
Forward Industries Inc.
E 29/100 — — -0.8% -5.67% $484.4M /fwdi-vs-opfi →
WYFI
WhiteFiber Inc.
E 30/100 — — -5.8% -10.62% $469.1M /wyfi-vs-opfi →
OPRT
Oportun Financial Corporation
C 64/100 18.2x — 6.5% +0.30% $454.8M /oprt-vs-opfi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001818502 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), OppFi Inc. (Class A) (OPFI) reported GAAP revenue of $466.7M (+76.3% vs. FY2024 revenue of $264.7M , and +259.6% cumulative change since FY2023) , GAAP net income of $26.3M, operating cash flow of $401.3M, and free cash flow of $401.3M (+23.9% YoY). On the balance sheet, OPFI closed FY2025 with $754.1M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $466.7M $26.3M $401.3M $401.3M $754.1M —
FY2024 (FY) 2024-12-31 $264.7M $7.3M $323.8M $323.8M $641.2M —
FY2023 (FY) 2023-12-31 $129.8M -$1.0M $296.1M $296.1M — —

3. OPFI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OPFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, OppFi Inc. (Class A) (NYSE: OPFI) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $5.60 (-0.36% 1D, market cap $478.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, OPFI ranks #654 in composite RQD confidence.

How does OPFI compare to ABTC and FWDI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), OPFI carries a Roarable D (50/100 RQD), trailing P/E of 19.0x, gross margin of —, and ROIC of 85.0%. By comparison, ABTC (American Bitcoin Corp. (Class A)) holds a E grade (23/100 RQD, P/E N/A, ROIC -27.1%, cap $483.5M) and FWDI (Forward Industries Inc.) posts a E grade (29/100 RQD, P/E N/A, ROIC -0.8%, cap $484.4M). Among the 5-stock peer group, OPRT leads on earnings multiple (18.2x) while OPFI leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OPFI?

Per OPFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001818502), OppFi Inc. (Class A) generated $466.7M in revenue (+76.3% YoY), $26.3M in net income, and $401.3M in free cash flow against $754.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OPFI trading relative to its 50-day, 200-day, and 52-week technical levels?

OPFI last traded at $5.60 (-0.36% on volume of 794,727 shares), positioning the stock -12.23% below its 50-day simple moving average ($6.38) and -31.54% below its 200-day simple moving average ($8.18). Across its 52-week range of $5.36 to $11.69, OPFI sits at the 3.8% percentile with a 14-day RSI of 42.3 (NEUTRAL RANGE) and an implied next-earnings move of ±8.1% ($5.15 to $6.05).

Direct Sub-Reports: OPFI RQD Cockpit OPFI 12M Forecast OPFI Earnings & Move OPFI Dividends & DRIP OPFI Insiders & 13F OPFI Whale Options OPFI Profit Sankey OPFI News & Why
ROARABLE RATING BRIEF • RQD 50/100 (D) ✓ SEC XBRL & RQD VERIFIED

OPFI — OppFi Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

OppFi Inc. (Class A) (OPFI) earns a live Roarable RQD composite score of 50/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $5.60 (-0.36% 1D, market capitalization $478.9M).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 85.0%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (3/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

And profile, OppFi Inc. (Class A) (OPFI) is a NYSE-listed issuer in the Financials sector, Finance: Consumer Services industry. Market capitalization is $0.5B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), OppFi Inc. (Class A) (OPFI) reported $466.7M in annual revenue (up from $264.7M in FY2024, +76.3% YoY) and $26.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($129.8M revenue, -$1.0M net income) through FY2025, OPFI scaled operating cash flow to $401.3M and free cash flow to $401.3M, backed by $754.1M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 50/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Free cash flow yield of — and institutional whale pillar of 3/20. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $5.36 – $11.69 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 19.0x trailing P/E and 2.7x EV/EBITDA against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Finance: Consumer Services (Financials), OPFI carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can OPFI sustain or expand its — operating margin and 85.0% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $466.7M and free cash flow of $401.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is OPFI's 17.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

OPFI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for OppFi Inc. (Class A) (OPFI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to OPFI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OPFI Bull vs. Bear Conversation Board — What's Your Call at $5.60?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OPFI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on OPFI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $7.08 (+26.0%)
📌 Pinned Debate

High ROIC of 85% and a forward P/E of 17.7 below the trailing 19 suggest earnings are expected to improve.

Long OPFI at $5.62 targeting $7.08. High ROIC of 85% and a forward P/E of 17.7 below the trailing 19 suggest earnings are expected to improve.. Institutional whale score is 3/20 and the risk/reward vs. the $5.36 52-week low is skewed heavily in favor of bulls.

ArenaChamp_24 🐂 BULL

@TapeReader_Pro Agree on the RQD 50/100 quality, though with 1.0 beta I'm scaling in with half-size at $5.62 and keeping dry powder in case we test $5.23.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $4.66 (-17.1%)
Spot @ $5.62

A 0% FCF yield and 0% margins conflict with reported cash flow, and the RQD rating of 52 signals a trim stance.

I respect the product at OppFi Inc. (Class A), but the stock at $5.62 is a different story. A 0% FCF yield and 0% margins conflict with reported cash flow, and the RQD rating of 52 signals a trim stance.. FCF yield is 0.0% and RQD sits at 50/100 (D) — why pay up here when you can wait for next quarter's numbers?

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