Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.16, read 2026-10-24
Ethical does not pass the values gate
Price5.42 USD
Fair value10.84
Ethical score30.0/100
Our investment reviews on this name
2026-10-02Read Markdown6.45-16.0% to today ✓Distribution gives way to Markdown after a 10% slide in 3 weeks
2026-09-08Read Distribution7.18-24.5% to today ✓Markup gives way to Distribution after a 27% slide in 5 weeks
2026-08-07Read Markup9.81-44.8% to today Markdown gives way to Markup after a 17% rise in 5 weeks
2026-07-02Read Markdown8.36-35.2% to today ✓First review on file: Markdown
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
OppFi Inc holds its Markdown at $5.42. Consolidating, no directional conviction, held for 30 days.
As held on the ledger · 2026-10-23
Phase
Markdown · caution
Quantitative state
Consolidating, no directional conviction, held for 30 days
Price at the screen
$5.42
Valuation
2.14 trailing · 3.37 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.82
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Credit Services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Credit Services
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
OppFi does not clear the screen at the business-activity stage. It operates in an area the screen excludes: Credit Services, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when OPFI's ethical verdict changes
Today OPFI does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 100.0% margin of safety to the base estimate.
Third-party analyst targets: 3 covering, consensus Buy. The average target sits +103% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-10-23 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Digital lender to the underserved fails ethical test
Every month millions of Americans shut out by big banks turn to short term instalment loans to cover a car repair or a medical bill. OppFi sits in that gap, packaging bank loans through its platform and posting a 19% profit margin with a striking 62% return on equity. Yet the business lands squarely in an excluded industry under our screen, so the numbers never get a proper look in.
Forward earnings sit at just 4.3 times, revenue is already shrinking 2%, and the company carries no meaningful moat against bigger fintechs or traditional lenders. The ethical block is decisive on its own. We pass, full stop.
High returns in credit services often mask rising defaults when the cycle turns, and thin moats leave little room for error if competition intensifies. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; it already moves more than the market on an average day.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
OPFI trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-28Markdown$5.69+0.0%Entry 15
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Markdown$5.69+0.0%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-26Markdown$5.69+0.0%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading bearish. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Markdown$5.69+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Markdown$5.69+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Markdown$5.69+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Markdown$5.69+0.0%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markdown$5.69-4.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 4.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is momentum reading oversold. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$5.93-8.1%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 8.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it D. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter.
2026-10-02Markdown · changed$6.45-10.2%Entry 6
The framework has shifted from distribution to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 10.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 40%. Our forward projection puts the odds of a 10% gain over the next month near 39%. The street (3 analysts) rates it none, with a mean price target of $14. Insiders have been net buyers over the past quarter.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
