OppFi Inc. (OPFI) has a MarketKingdoms composite score of 56.3 (C+), an C-range rating. It ranks 1526th of 1,866 covered companies, 282nd of 330 in Financial (sector average 62.7) and 22nd of 29 in Credit Services. Scores as of 2026-10-26.
Its strongest lenses are Price (valuation) at 93 (Financial average 52) and Quality (profitability) at 84 (Financial average 49). Its weakest lenses are Trend (momentum) at 4 (sector average 49) and Expansion (growth) at 36 (sector average 51).
| Lens | Type | OPFI | Financial average | Credit Services average | Percentile in sector |
|---|---|---|---|---|---|
| Industry opportunity | Research signal | 71 | 76 | 72 | 29th |
| Stock selection | Research signal | 64 | 77 | 74 | 8th |
| KPI momentum | Research signal | 47 | 75 | 70 | 5th |
| Catalyst watch | Research signal | 65 | 69 | 68 | 22nd |
| Price (valuation) | Fundamental lens | 93 | 52 | 64 | 99th |
| Expansion (growth) | Fundamental lens | 36 | 51 | 50 | 22nd |
| Quality (profitability) | Fundamental lens | 84 | 49 | 58 | 96th |
| Trend (momentum) | Fundamental lens | 4 | 49 | 36 | 4th |
The most recent call analysed was held on 2026-08-10 (fiscal 2026 Q2). After it the composite moved from 67.7 to 66.9. MarketKingdoms checks what management promised on each call against what it later delivered.
The composite at the time of each event; today's composite is 56.3.
The stock's valuation gap is -51.7%: its price is well below the path its market, sector and industry moves explain (strongly undervalued versus the model path). Factor sensitivity: market beta 1.35, sector beta -0.29, industry beta 1.23; the factor model explains 16% of its moves (R²).
| Company | Composite | Grade | Valuation gap |
|---|---|---|---|
| ENCORE CAPITAL GROUP INC (ECPG) | 76.7 | A- | -0.8% |
| Atlanticus Holdings Corp (ATLC) | 74.5 | B+ | -16.6% |
| Sezzle Inc. (SEZL) | 73.5 | B+ | +22.3% |
| FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) | 72.0 | B+ | -13.6% |
| BREAD FINANCIAL HOLDINGS, INC. (BFH) | 71.4 | B+ | -10.5% |
| Enova International, Inc. (ENVA) | 70.6 | B+ | -23.1% |
| Jefferson Capital, Inc. / DE (JCAP) | 69.6 | B | -0.3% |
| Mastercard Inc (MA) | 67.9 | B | +0.9% |
OppFi Inc. financial statements · Financial sector ranking · Credit Services industry ranking · All covered companies
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.