OppFi Inc (NYSE: OPFI)’s stock price has plunge by 4.98relation to previous closing price of 8.44. Nevertheless, the company has seen a 4.36% surge in its stock price over the last five trading sessions. zacks.com reported 2025-04-17 that Buy 5 Fintech stocks to reap benefits over the long term. These are: AFRM, ACIW, STNE, OPFI, COIN.
Is It Worth Investing in OppFi Inc (NYSE: OPFI) Right Now?
OppFi Inc (NYSE: OPFI) has a higher price-to-earnings ratio of 46.12x compared to its average ratio, The 36-month beta value for OPFI is at 1.60. Analysts have varying views on the stock, with 1 analysts rating it as a “buy,” 0 rating it as “overweight,” 1 as “hold,” and 0 as “sell.”
The public float for OPFI is 22.15M, and currently, shorts hold a 23.29% of that float. The average trading volume for OPFI on April 24, 2025 was 1.77M shares.
OPFI’s Market Performance
OPFI stock saw a decrease of 4.36% in the past week, with a monthly decline of -16.38% and a quarterly a decrease of -22.80%. The volatility ratio for the week is 5.27%, and the volatility levels for the last 30 days are 7.33% for OppFi Inc (OPFI). The simple moving average for the last 20 days is 2.95% for OPFI stock, with a simple moving average of 24.90% for the last 200 days.
Analysts’ Opinion of OPFI
Needham, on the other hand, stated in their research note that they expect to see OPFI reach a price target of $10. The rating they have provided for OPFI stocks is “Buy” according to the report published on August 17th, 2021.
OPFI Trading at -7.70% from the 50-Day Moving Average
After a stumble in the market that brought OPFI to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -48.44% of loss for the given period.
Volatility was left at 7.33%, however, over the last 30 days, the volatility rate increased by 5.27%, as shares sank -17.50% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -42.54% lower at present.
During the last 5 trading sessions, OPFI rose by +4.36%, which changed the moving average for the period of 200-days by +156.81% in comparison to the 20-day moving average, which settled at $8.73. In addition, OppFi Inc saw 19.32% in overturn over a single year, with a tendency to cut further gains.
Insider Trading
Reports are indicating that there were more than several insider trading activities at OPFI starting from SCHWARTZ THEODORE G, who sale 50,896 shares at the price of $7.94 back on Apr 21 ’25. After this action, SCHWARTZ THEODORE G now owns 0 shares of OppFi Inc, valued at $404,252 using the latest closing price.
SCHWARTZ THEODORE G, the Director of OppFi Inc, sale 43,903 shares at $8.27 during a trade that took place back on Apr 22 ’25, which means that SCHWARTZ THEODORE G is holding 0 shares at $362,893 based on the most recent closing price.
Stock Fundamentals for OPFI
Current profitability levels for the company are sitting at:
- 0.18 for the present operating margin
- 0.8 for the gross margin
The net margin for OppFi Inc stands at 0.16. The total capital return value is set at 0.16. Equity return is now at value 33.59, with 1.17 for asset returns.
Based on OppFi Inc (OPFI), the company’s capital structure generated 0.59 points at debt to capital in total, while cash flow to debt ratio is standing at 0.98. The debt to equity ratio resting at 1.42. The interest coverage ratio of the stock is 0.52.
Currently, EBITDA for the company is 308.6 million with net debt to EBITDA at 1.48. When we switch over and look at the enterprise to sales, we see a ratio of 1.97. The receivables turnover for the company is 1.11for trailing twelve months and the total asset turnover is 0.82.
Conclusion
In conclusion, OppFi Inc (OPFI) has had a mixed performance lately. Opinion on the stock among analysts is mixed, with some giving it a “buy” rating and others a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
