OPFI Should I Buy
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OppFi Inc (OPFI) is not a strong buy at the moment for a beginner investor with a long-term focus. While the company has shown impressive financial growth in the latest quarter, the technical indicators are bearish, insider selling has increased significantly, and there are no recent positive news catalysts. Additionally, the options data and trading trends do not suggest strong bullish sentiment. Given the investor's preference for long-term investments, it is advisable to hold off on buying until there is a clearer positive trend or stronger signals.
The technical indicators for OPFI are bearish. The MACD histogram is negative and contracting, the RSI is neutral at 27.194, and the moving averages indicate a bearish trend (SMA_200 > SMA_20 > SMA_5). The stock is trading near the support level of 8.786, with resistance at 9.252. The stock has a 60% chance of declining in the short term based on similar candlestick patterns.
The company's financial performance in Q3 2025 was strong, with revenue up 13.72% YoY, net income up 876.43% YoY, and EPS up 123.81% YoY. Analysts have raised the price target to $16, citing a favorable macroeconomic backdrop for consumer finance and fintech stocks.
Insiders have increased selling by 134.57% over the last month, indicating potential lack of confidence in the stock's near-term performance. Technical indicators are bearish, and there is no recent news or significant hedge fund activity to support a bullish case.
In Q3 2025, OppFi reported strong financial growth. Revenue increased to $153.38M (up 13.72% YoY), net income surged to $41.64M (up 876.43% YoY), and EPS rose to $0.47 (up 123.81% YoY). However, gross margin remained flat at 0%.
Analysts are optimistic, with Citizens raising the price target to $16 from $14 and maintaining an Outperform rating. They cite credit stabilization, lower funding costs, and a favorable macroeconomic environment as key drivers.
