OppFi Inc. (OPFI) Fair Value 2026

OPFI · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-08-27, OppFi Inc. (OPFI) trades at $7.15, versus a $9.79 median fair value across its 5 active models — 36.9% above the current price. QOC: 8.4/10. Value Trap Risk: 18/100 (SAFE). 5/13 models active.

Key Facts

Ticker
OPFI
Price
$7.15
Quality Score
8.4/10
Value Trap Risk
18/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +36.9% upside with 4% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is OppFi Inc. (OPFI) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, OppFi Inc. (OPFI) appears undervalued as of : the median of 5 independent fair value estimates is $9.79, 36.9% above the current price of $7.15. Estimates range from $1.68 to $28.29. OPFI scores 8.4/10 on fundamental quality and 18/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. OPFI’s +36.9% gap is wider than that market norm, and the Credit Services sector median is +17.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy OppFi Inc. Stock in 2026? →

What Fair Value Does Each Model Give OPFI?

5 Intrinsic Value Models vs. Current Price ($7.15)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $1.68 -76.5%
Ensemble · Low Conviction
 $9.79 +36.9%
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What Is OPFI's Fair Value Range?

Spread across 5 independent models · $1.68 to $28.29

CirclFi's 5 active models place OppFi Inc. (OPFI) between $1.68 and $28.29 per share, a spread of 272% of the median. The median of that range — $9.79 — is the fair value CirclFi publishes for OPFI, against a current price of $7.15.

Low · EPVHigh · Regime Cross
$1.68median $9.79$28.29
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$1.68
Most bullish modelRegime Cross-Sectional$28.29
Model agreement3 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for OPFI. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on OPFI, not a CirclFi price target. How each model works →

What Is OppFi Inc. (OPFI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, OppFi Inc.'s intrinsic value is estimated at $9.79, suggesting a +36.9% median upside from the current price of $7.15. While 3 models see room for appreciation, model agreement is not unanimous as 1 model flags potential overvaluation. Model dispersion is worth noting: Regime Cross targets $28.29 (+295.6%), versus EPV at $1.68 (-76.5%). This +372.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About OPFI?

5 of 13 models are currently active for OPFI. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for OPFI is $9.79 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does OPFI Rank in Credit Services?

Among 54 Credit Services stocks, OPFI ranks #13 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places OPFI in the top tier.

See all Most Undervalued Credit Services Stocks →

OppFi Inc.'s positioning within the Credit Services segment means that cost-to-income ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.

Is OPFI a Value Trap?

CirclFi's Value Trap algorithm assigns OPFI a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for OppFi Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, OppFi Inc. earns a quality score of 8.4/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +372.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every OPFI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across OPFI's 5 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy OppFi Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

PYPLPayPal Holdings, Inc.QOC 8.5XYFX FinancialQOC 8.2FCFSFirstCash Holdings, Inc.QOC 8.5MFINMedallion Financial Corp.QOC 8.1FINVFinVolution GroupQOC 8.6BFHBread Financial Holdings, Inc.QOC 8.0OMFOneMain Holdings, Inc.QOC 7.5WRLDWorld Acceptance CorporationQOC 6.8TROOTROOPS, Inc.QOC 2.7JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: PYPL · XYF · FCFS · MFIN · FINV · BFH · OMF · WRLD · TROO · JFIN · MA

Which Other Stocks Have a Similar Quality Score to OPFI?

7 companies across all industries closest to OPFI’s Quality of Company score of 8.4/10.

CLColgate-Palmolive CompanyQOC 8.4BWMXBetterware de México, S.A.P.I. de C.V.QOC 8.4AMGNAmgen Inc.QOC 8.4AKAMAkamai Technologies, Inc.QOC 8.4VABKVirginia National Bankshares CorporationQOC 8.4CHDChurch & Dwight Co., Inc.QOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CL · BWMX · AMGN · AKAM · VABK · CHD · NVDA

Where Does OPFI Sit in CirclFi's Credit Services Rankings?

OPFI is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About OppFi Inc.’s Valuation?

What is OppFi Inc.'s intrinsic value in 2026?

CirclFi puts OppFi Inc. (OPFI)'s intrinsic value at $9.79 — the median of 5 independent model estimates as of 2026-08-27, ranging from $1.68 to $28.29. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is OPFI overvalued or undervalued right now?

At $7.15, 3 of 5 active models suggest OPFI may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $9.79, 36.9% above the current price of $7.15 — a consensus view that OPFI is undervalued. The assessment depends on which methodology best fits OppFi Inc.'s business model in Credit Services.

What does a Quality of Company score of 8.4 mean for OPFI?

OppFi Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on OPFI?

CirclFi analyzes OPFI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on OPFI?

Of the 5 models currently active on OPFI, Regime Cross-Sectional is the most bullish at $28.29 per share, and Earnings Power Value (EPV) is the most bearish at $1.68. CirclFi's published fair value for OPFI is the median of that range, $9.79, not either extreme. The gap between the two ends equals 272% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is OPFI a value trap in 2026?

OppFi Inc.'s Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, OppFi Inc. (OPFI) has a median fair value of $9.79 — 36.9% above the current price of $7.15 — as of 2026-08-27.” Source: circlfi.com/stock/OPFI/ · Methodology
Primary sources for this OPFI valuation
  • Financial statements: OppFi Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001818502) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for OPFI as of ; valuations recomputed .

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