OppFi (OPFI) Stock Forecast & Price Target

OppFi is favorably positioned by the rapid expansion of the earned wage access segment, which is estimated to reach about $30B of volume in 2025 and could grow a further 300% by 2034, as new entrants scale quickly and take share from deep subprime lenders. Its fundamentals are further supported by management’s confidence in the BNCC acquisition, a $131M cash/stock deal expected to close in 4Q26, which should lower funding costs through deposits, broaden product and geographic reach, and drive meaningful EPS accretion of 25% in 2027, 40% in 2028, and 50% in 2029. Even with near-term pressure from delayed product rollouts and softer FY26 trends, the outlook remains constructive because the bank conversion and renewed growth trajectory point toward a return to stronger earnings and a ~$3 run-rate EPS by the end of 2028.

OppFi is facing a negative outlook because its core short-term installment loan business is losing share to lower-monthly-payment alternatives like EWA, longer-term products, and lines of credit, driving originations down 7% in 1Q and more than 9% in 2Q. Management’s lowered 2026 guidance reflects weaker visibility, with revenue cut to $600M-$625M, adjusted net income to $115M-$130M, and adjusted EPS to $1.34-$1.51, while the delayed line-of-credit rollout and reliance on new products add execution risk. Higher net charge-offs of 52%, a 52% fair value mark, and dependence on FinWise for more than half of originations since 2019 further pressure profitability and amplify concentration and regulatory risk.