OPFI NYSE Week ended 31 Jul 2026

Weekly Investor Report

OppFi Inc · Financial Services · Credit Services

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Latest close 9.37 USD
3.9% latest week
Weekly setup

Weak trend

The weekly trend is not active. Price is 4.9% above the Trend Line and sits at 38.4% of its 52-week range. The latest completed week returned 3.9%, after a -5.9% four-week move. The latest factor snapshot indicates quality ranks strongly versus its universe; growth is moderate; valuation is inexpensive relative to peers. Options positioning is volatility with 62/100 conviction, while the latest news-sentiment score is 53/100. Near-term considerations: volume confirmation is below normal; earnings are due in 4d.

Setup score 31 out of 100
Latest Close 9.37 USD 31 Jul 2026
1W Return 3.9% latest completed week
4W Return -5.9% short-term follow-through
12W Return 0.4% quarterly tape
Trend Breadth 1.9% 1 of 52 weeks active
Volume Ratio 0.7x vs 13-week average
What is working
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • The trend backdrop is inactive, so price action has not confirmed a constructive regime.
  • Activity pressure is weak, so confirmation is not yet broad enough.
  • The share remains more than 20% below its 52-week high.
What to watch next
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 3.9% Latest completed week; four-week move -5.9%. Indicator stack 1/64 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Options pressure Volatility 62/100 conviction; expected move 17.2%. News sentiment 53/100 59 relevant articles in the latest sentiment read. Event risk 4d Next report is scheduled for 05 Aug 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is not active. Price is 4.9% above the Trend Line and sits at 38.4% of its 52-week range. The latest completed week returned 3.9%, after a -5.9% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 0.7x the 13-week average. Participation is below its recent norm, so price strength is not receiving full volume confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.1912-week average 0.09

12-week confirmation

Trend active0/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure12/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership0/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.19Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers0No reversal markers

No recent accumulation markers. No reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is -5.9% over four weeks, 0.4% over 12 weeks, and -9.9% over one year. The current trend has remained active for 0 consecutive weeks.

Performance by holding period

1W3.9%
4W-5.9%
12W0.4%
26W-1.6%
52W-9.9%
Active trend streak0 weeks
Active weeks in one year1
Trend breadth1.9%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure0.82Latest activity-pressure read.
Pressure change-12.8%Four-week change in activity pressure.
Leadership-10.08Latest relative-leadership reading.
RS change-41.1%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks strongly versus its universe; growth is moderate; valuation is inexpensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Mar 2026 Field coverage 97% Model confidence 93%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength87/100Blend of value, momentum, and quality. Underlying universe rank 14; rank 1 is best.
Value87/100Relative valuation strength. Underlying universe rank 14; rank 1 is best.
Quality100/100Profitability and accounting quality. Underlying universe rank 1; rank 1 is best.
Momentum17/100Medium-term price momentum. Underlying universe rank 84; rank 1 is best.
Growth23/100Revenue and earnings growth. Underlying universe rank 78; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
11.7x
Price divided by trailing earnings.
Price / sales
1.3x
Market value relative to trailing revenue.
EV / EBITDA
7.3x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
34.0%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
98.1%
Gross profit retained from each unit of revenue.
Operating margin
27.9%
Operating profit retained from revenue.
Free-cash-flow margin
71.2%
Free cash flow generated from revenue.
Return on invested capital
50.9%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
12.9%
Latest one-year revenue growth.
EPS growth
-
Latest one-year earnings-per-share growth.
Free-cash-flow growth
24.3%
Latest one-year free-cash-flow growth.
Piotroski F-score
6/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
8.3%
Cash dividends relative to market value.
Buyback yield
3.2%
Net share repurchases relative to market value.
Shareholder yield
11.5%
Dividend yield plus net buyback yield.
Net debt / EBITDA
1.4x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningVolatility

OPFI shows volatility options pressure with a 62/100 conviction score, put-call volume ratio of 56.50, expected move of 17.2%, and Sharemaestro trend signal inactive.

Conviction62/100
Expected move17.2%
Put/call volume56.50
Pressure-98
Speculation1
Volatility96
Trend agreement43
Open options detail
Insider activity6 / 14

6 acquisitions and 14 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment53/100

Weighted news tone is neutral across 59 relevant articles.

13 positive · 40 neutral · 6 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings4dNext report is scheduled for 05 Aug 2026; event risk rises as the date approaches.
Options expected move17.2%Nearest-chain priced movement where available.
52-week drawdown-25.6%Distance below the 52-week high.
13-week volatility5.0%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher10 of 2615 weeks finished lower.
Best week+10.1%Week of 26 Jun.
Worst week-8.5%Week of 13 Mar.
Latest week+3.9%Week of 31 Jul.

Shape of recent returns

Strong gains6
Modest gains4
Flat weeks1
Modest losses9
Sharp losses6
Recent vol5.0%13-week weekly-return volatility.
Base vol5.4%52-week weekly-return volatility.
Up/down split23/27Count of positive and negative weeks in the 52-week window.
Average skew5.0% / -4.4%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape29/100

Trend, activity pressure, participation, and risk combine to a 29/100 tape read.

 Indicator analysis33/100

Latest 12-week confirmation: trend 0/12, activity pressure 12/12, relative leadership 0/12.

Activity pressure 0.19; No reversal markers Factors74/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 17; Small Cap Core rank 14 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options51/100

OPFI shows volatility options pressure with a 62/100 conviction score, put-call volume ratio of 56.50, expected move of 17.2%, and Sharemaestro trend signal inactive.

Volatility · Volatility expansion watch · Expected move 17.2% Sentiment53/100

Weighted news tone is neutral across 59 relevant articles.

OPFI|OppFi Inc|Price:9.520|Chg%:-0.130 Insiders6 / 14

6 acquisitions and 14 disposals in the latest 180-day insider tape.

 Earnings4d

Next report is scheduled for 05 Aug 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 20269.37 USD3.9%8.93 USD7.13 USD0.82-10.082.4MOff
24 Jul 20269.02 USD-3.8%8.96 USD7.08 USD0.97-13.012.2MOff
17 Jul 20269.38 USD-0.6%9.03 USD7.03 USD1.15-10.772.6MOff
10 Jul 20269.44 USD-5.2%9.07 USD6.98 USD1.12-12.313.7MOff
3 Jul 20269.96 USD7.3%9.13 USD6.94 USD0.93-7.154.0MOff
26 Jun 20269.28 USD10.1%9.13 USD6.88 USD0.68-12.644.1MOff
19 Jun 20268.43 USD0.8%9.16 USD6.84 USD0.43-23.674.9MOff
12 Jun 20268.36 USD0.6%9.18 USD6.80 USD0.34-24.633.6MOff
5 Jun 20268.31 USD-2.1%9.23 USD6.76 USD0.39-25.563.4MOff
29 May 20268.49 USD4.2%9.29 USD6.72 USD0.57-27.021.9MOff
22 May 20268.15 USD-5.3%9.33 USD6.67 USD0.78-29.853.9MOff
15 May 20268.61 USD-7.7%9.40 USD6.63 USD0.56-26.153.6MOff
8 May 20269.33 USD-1.9%9.42 USD6.59 USD0.24-20.635.1MOff
1 May 20269.51 USD8.9%9.43 USD6.55 USD-0.31-18.003.7MOff
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.