OppFi Inc. WT (OPFI-WT) stock analysis
In our weekly check, OppFi Inc. WT is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6.
About OppFi Inc. WT
OppFi Inc. WT is a Financial Services company (Rental & Leasing Services) based in the United States, listed on NYSE as OPFI-WT.
What our checks show for OPFI-WT
Red flags
- Analysts expect the net margin to shrink by 9.2 points from today's 16.6%.
- The price swings a lot: 80.5% annual volatility. Expect large ups and downs.
- The stock has fallen as much as 88% from a peak. Would you have held through that?
- Beta 5.48: the stock usually moves more than the market, both up and down.
- The share count grew by 61.7% in 2 years: each shareholder owns a smaller slice.
- Thinly traded (about 15 thousand shares a day): buying and selling can move the price.
Warning signs
- Analysts expect earnings per share to shrink about 5.7% a year.
- The stock is still below its previous peak.
Strengths
- Operating profit covers interest 33.4 times over.
- The net margin rose by 9.3 points over 5 years, to 16.6%.
- The gross margin is 84.3% and has risen by 9.8 points: pricing power is holding.
- Operating cash flow is 4.03x net profit: the profit arrives as real cash.
- Analysts expect revenue to grow about 23.6% a year over the next years.
- Earnings per share grew 87.7% a year over the last 3 years.
Questions
What grade does OppFi Inc. WT (OPFI-WT) have?
In our weekly check, OppFi Inc. WT is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of OPFI-WT stock?
This week's biggest flags for OppFi Inc. WT: Margins expected to shrink, Very volatile, Deep past fall. In total 8 of 25 checks show a warning or a red flag.
What does OppFi Inc. WT do?
OppFi Inc. WT is a Financial Services company (Rental & Leasing Services) based in the United States, listed on NYSE as OPFI-WT.
The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.
Updated 2026-10-24
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