OPFI trades 66.1% below Wall Street's consensus target of $10.25.
Last 12 months price action with 12-month analyst target path
The base valuation assumes OPFI achieves its forward estimates and maintains a stable P/E multiple of 4.5x. This scenario reflects the blended consensus of 6 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, OppFi Inc. (OPFI) has a Wall Street consensus price target of $10.25, based on estimates from 6 covering analysts. With the stock currently trading at $6.17, this represents a potential upside of +66.1%. The company has a market capitalization of $528M.
Analyst price targets range from a low of $9.50 to a high of $11.00, representing a 15% spread in expectations. The median target of $10.25 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 4 analysts rating the stock as a Buy or Strong Buy,2 rating it Hold, and 0 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, OPFI trades at a trailing P/E of 5.6x and forward P/E of 4.5x. Analysts expect EPS to grow +15.9% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $8.02, with bear and bull scenarios of $5.06 and $10.57 respectively. Model confidence stands at 42/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 ENVAEnova International, Inc. | $4.3B | $172.48 | $254.60 | +47.6% | Buy | 10.0x | 10 |
 WRLDWorld Acceptance Corporation | $695M | $149.08 | — | — | Hold | 21.1x | 10 |
 RMRegional Management Corp. | $334M | $36.25 | $40.00 | +10.3% | Hold | 7.2x | 16 |
 ATLCAtlanticus Holdings Corporation | $1.4B | $91.23 | $136.40 | +49.5% | Buy | 9.2x | 7 |
 QFINQfin Holdings, Inc. | $726M | $5.58 | $14.18 | +154.1% | Buy | 0.3x | 4 |
 CACCCredit Acceptance Corporation | $5.5B | $529.56 | $500.00 | -5.6% | Hold | 10.7x | 18 |
 PRAAPRA Group, Inc. | $493M | $12.92 | $25.00 | +93.5% | Hold | 3.9x | 13 |
 ECPGEncore Capital Group, Inc. | $2.4B | $114.14 | $124.00 | +8.6% | Buy | 8.4x | 15 |
 FISVFiserv, Inc. | $33.5B | $62.88 | $53.70 | -14.6% | Buy | 8.6x | 61 |
 FISFidelity National Information Services, Inc. | $14.8B | $28.73 | $42.93 | +49.4% | Hold | 4.6x | 40 |
Quick answers to the most common questions about buying OPFI stock.
The consensus Wall Street price target for OPFI is $10.25, representing 66.1% upside from the current price of $6.17. With 6 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
OPFI has a consensus rating of "Buy" based on 6 Wall Street analysts. The rating breakdown is predominantly bullish, with 4 Buy/Strong Buy ratings. The consensus 12-month price target of $10.25 implies 66.1% upside from current levels.
With a forward P/E of 4.5036x, OPFI trades at a relatively low valuation. The consensus target of $10.25 implies 66.1% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $11 for OPFI, while the most conservative target is $9.5. The consensus of $10.25 represents the median expectation. Our quantitative valuation model projects a bull case target of $11 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
OPFI is moderately covered, with 6 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 4 have Buy ratings, 2 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month OPFI stock forecast based on 6 Wall Street analysts shows a consensus price target of $10.25, with estimates ranging from $9.5 (bear case) to $11 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $8, with bear/bull scenarios of $5/$11.
Our quantitative valuation model calculates OPFI's fair value at $8 (base case), with a bear case of $5 and bull case of $11. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 42/100.
OPFI trades at a forward P/E ratio of 4.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 5.6x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on OPFI, with a "Buy" consensus rating and $10.25 price target (66.1% upside). 4 of 6 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
OPFI analyst price targets range from $9.5 to $11, a 15% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $10.25 consensus represents the middle ground. Our model's $5-$11 range provides an independent fundamental perspective.
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