...
OPFIOppFi Inc.
$10.01
Financials
AVOID
Analysis updated: Jan 16, 2026

Investment Thesis

OPFI is a market laggard (RS 31/99, Top 69%) with strong fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

Weak relative strength + ordinary growth = Pass

Key Takeaways

Earnings Momentum

+10%
Q4'24
$-0.28
-580%
Q1'25
$-0.48
-587%
Q2'25
$-0.78
+21676%
Q3'25
$45.73
Earnings Accelerating

Price Structure

Broken Structure
Price
$10.01
→
50 DMA
$10.19
→
100 DMA
$10.36
→
150 DMA
$10.86
✓
→
200 DMA
$10.83
Alignment Score: 1/4

OPFI Price Chart

Loading chart...

50 DMA150 DMA200 DMA
LEADERSHIP TEST FAILED

RS Rating 31/99 is in Bottom 31% of market. Minervini target: Top 20% (RS 80+)

Why Not BUY Yet?

RS Rating
31 (Top 69%)→>80 (Top 20%)
Pattern
No base forming→VCP or constructive base
Trend
Weak Downtrend→Above 200 DMA

What Would Change Our Mind?

To turn bullish on OPFI, we need:

Twin Engines Dashboard

Technical Health

RS Rating
31/99
Top 69% (Need 80+)
Trend
Weak Downtrend
Below 200 DMA
RSI (14)
40
NEUTRAL
VCP Setup
COOL
Score: 4/9
Volume
504K
-7% vs avg
From Entry
+7.8%
$9.29

Fundamental Horsepower

EPS Qtr YoY
+217%
Growing
EPS 3Y CAGR
-9%
Annual Earnings
Revenue Qtr
+14%
Accelerating
F-Score
6/9
Piotroski Quality
ROE
3%
Return on Equity
EPS Rank
100/99
Percentile

Trade Plan

Stalled Breakout

Broke out 1 year ago at $9.29 — up modestly (+8%) from entry.

Breakout has stalled. Wait for new momentum or a fresh base pattern to develop.

Breakout Date2025-01-10371 days ago
Entry Was$9.29Breakout price
Gain Since+8%From entry
Reclaim$10.3621 EMA support

If/Then Playbook

IF: RS Rating improves to >80
THEN: Re-evaluate for WATCHLIST
IF: Price closes below 200 DMA
THEN: Remove from radar entirely
IF: EPS growth accelerates to >40% next quarter
THEN: Reassess as potential turnaround

Key Price Levels

Resistance

  • 50 DMA$10.19+1.8%
  • 20 DMA$10.57+5.6%
  • 200 DMA$10.83+8.2%
Current$10.01

Support

  • 52W Low$7.54-24.7%

More OPFI Analysis

Fundamental Analysis →Intrinsic Value →Total Return Calculator →

Related Technical Analysis

Compare technical setups for similar stocks:

Frequently Asked Questions

Is OPFI stock a buy now?

OPFI is a market laggard (RS 31/99, Top 69%) with strong fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

What is the buy point for OPFI?

OPFI broke out at $9.29 12 month(s) ago but has stalled (+8%). Wait for fresh momentum or new base pattern.

What is OPFI's RS Rating?

OPFI has an RS Rating of 31/99, meaning it's in the Top 69% of all stocks for relative price performance over the past 12 months. Minervini recommends RS 80+ for momentum trades.

Important Disclosure: This analysis is for educational and informational purposes only. Technical and fundamental indicators are based on historical data and do not guarantee future performance. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.