OPFI Should I Buy
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OppFi Inc (OPFI) is not a strong buy for a beginner, long-term investor at this moment. While the company has seen revenue growth, its net income and EPS have significantly declined. Insider selling activity and bearish technical indicators further suggest caution. Additionally, there are no strong proprietary trading signals or recent congress trading data to support an immediate buy decision.
The MACD is positive and expanding, indicating bullish momentum. However, the RSI is neutral, and the moving averages are bearish (SMA_200 > SMA_20 > SMA_5). Key resistance levels are at 8.223 and 8.464, with support levels at 7.444 and 7.203. Overall, the technical indicators are mixed but lean bearish.
Revenue increased by 17.48% YoY in Q4
Positive analyst sentiment with a raised price target to $16 and an Outperform rating.
OppLoans has a high Trustpilot rating of 4.4/5.0.
Net income dropped by -400.34% YoY, and EPS fell by -334.62% YoY in Q4
Insiders are selling heavily, with a 134.57% increase in selling activity over the last month.
Bearish moving averages and a high probability of short-term price declines based on candlestick pattern analysis.
In Q4 2025, revenue grew by 17.48% YoY to $157.53M. However, net income plummeted by -400.34% YoY to $16.85M, and EPS dropped by -334.62% YoY to 0.61. Gross margin remained flat at 0%.
Citizens raised the price target to $16 from $14 and maintained an Outperform rating, citing credit stabilization, lower funding costs, and a favorable macroeconomic backdrop.
