Wall Street analyst price targets, ratings consensus & upside potential · Updated Feb 28, 2026
Last 12 months price action with 12-month analyst target path
As of February 28, 2026, OppFi Inc. (OPFI) has a Wall Street consensus price target of $7.25, based on estimates from 4 covering analysts. With the stock currently trading at $9.18, this represents a potential downside of -21.0%. The company has a market capitalization of $589M.
Analyst price targets range from a low of $3.00 to a high of $13.00, representing a 138% spread in expectations. The median target of $6.50 differs from the mean, suggesting potential outlier estimates. The wide target spread reflects significant disagreement on fair value.
The current analyst consensus rating is Buy, with 3 analysts rating the stock as a Buy or Strong Buy,1 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, OPFI trades at a trailing P/E of 25.5x and forward P/E of 5.3x. Analysts expect EPS to grow +1095.1% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $14.26, with bear and bull scenarios of $0.76 and $25.65 respectively. Model confidence stands at 37/100, suggesting limited visibility into future performance.
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Start ComparisonOPFI's consensus price target is $7.25, -21.0% below the current price of $9.18. The 4 analysts tracking OPFI see downside risk at present valuations.
OPFI has a consensus rating of "Buy" based on 4 Wall Street analysts. The rating breakdown is predominantly bullish, with 3 Buy/Strong Buy ratings. The consensus 12-month price target of $7.25 implies -21.0% downside from current levels.
With a forward P/E of 5.2759x, OPFI trades at a relatively low valuation. The consensus target of $7.25 implies -21.0% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $13 for OPFI, while the most conservative target is $3. The consensus of $7.25 represents the median expectation. Our quantitative valuation model projects a bull case target of $26 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
OPFI is lightly followed, with 4 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 1 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 4 Wall Street analysts shows a consensus price target of $7.25, with estimates ranging from $3 (bear case) to $13 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $14, with bear/bull scenarios of $1/$26.
Our quantitative valuation model calculates OPFI's fair value at $14 (base case), with a bear case of $1 and bull case of $26. 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 37/100.
OPFI trades at a forward P/E ratio of 5.3x based on next-twelve-months earnings estimates compared to a trailing P/E of 25.5x. 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.
Analysts are cautious on OPFI, with 0 Sell ratings and a price target of $7.25 (-21.0% from current price). The "Buy" consensus suggests careful evaluation before buying. 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 $3 to $13, a 138% wide spread indicating significant analyst disagreement. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $7.25 consensus represents the middle ground. Our model's $1-$26 range provides an independent fundamental perspective.