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OppFi Inc. Stock: price and insider trades · United States
1 insider bought €1.3M of shares over the last 90 days, the latest filed 15 Sept 2026.
OppFi Inc.: what insiders have been doing
OppFi Inc., classified in the Finance & Banking sector, is a listed company based in Chicago, United States, founded in 2012. Its insiders report their share dealings to SEC (Form 4). The last twelve months, up to 18 October 2026, brought 85 filings signed by 12 insiders.
Both sides are active: 22 purchases worth €1.3M and 9 sales worth €997k, from 1 insider and 5 insiders respectively. The amount is not disclosed for 1 filing. Unlike grants, an open-market purchase is paid for by the insider, at the market price. Those buying include 1 chief executive. McKay Christopher J. filed the largest sale, €479k, on 28 August 2026.
Across the 5,458 companies tracked on its exchange, the median is 22 filings; at 85 filings, this issuer sits above that mark. Looking back to 2021, when coverage begins, insiders filed 83 purchases and 28 sales. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists net income at 26.3 m USD; the dividend was 0.25 USD per share.
The most recent open-market purchase was published on 15 September 2026, 33 days ago. Typically, a trade is published a median of 2 days after it takes place. For comparison, the SEC allows two business days to file a Form 4.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. Every figure here comes from the filings published by SEC (Form 4) and describes the past, not future prices; it is not investment advice.
Insider Decl.
374
Thresholds
n/a
Buy Volume
€2M
83 ops. · all time
Sell Volume
€4M
28 ops. · all time
Who traded when
BuySaleTodd G. Schwartz22 buys
Christopher J. McKay9 sales
Moore Jocelyn4 sales
Pamela D. Johnson4 sales
Vennettilli David2 sales
Favilla Christina M1 sale
Since the insiders bought
- -19.5%Entry US$7.03 · Close 16 Oct 2026 US$5.66
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate OppFi Inc. Buy (bullish), based on 4 analysts. Average price target: US$12.19.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 610 of 24,158 companies
82.8
score / 100
Value88
Quality77
FCF yld79%
Earn yld5.5%
EV/EBITDA2.1x
ROE58%
Gross mgn83%
Net mgn4.4%
Debt/EBITDA0.9x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$5.65
Analyst consensus
4 analystsBuy
US$8.00Target US$12.19(+116%)US$16.00
Income statement
RevenueUS$597.1M
Gross profitUS$497M83% margin
EBITDAUS$387.7M65% margin
Net incomeUS$26.3M31.1% margin
Valuation
PER (trailing)2.6x
PER (forward)2.9x
P/Book1.2x
Beta1.80
Balance sheet & cash
Market capUS$481.4M
Total debtUS$332.8M
Free Cash FlowUS$382.2M
Debt / Equity69%
Profitability & ownership
ROE58.2%
ROA25.5%
% insiders60.5%
% institutions27.1%
Last declaration on 5 October 2026
Declarations374 total
1,970 shares@ US$6.030.0023% mcap0.4% of flowClass A Common StockSEC:0000905148-26-004365:0
1,974 shares@ US$6.030.0023% mcap1.5% of flowClass A Common StockSEC:0000905148-26-004363:0
1,715 shares@ US$6.030.0020% mcap1.3% of flowClass A Common StockSEC:0000905148-26-004363:1
496 shares@ US$6.030.0006% mcap0.4% of flowClass A Common StockSEC:0000905148-26-004363:2
2,643 shares@ US$6.030.0031% mcap0.6% of flowClass A Common StockSEC:0000905148-26-004367:0
4,497 shares@ US$6.030.0053% mcap1.0% of flowClass A Common StockSEC:0000905148-26-004367:1
1,369 shares@ US$6.030.0016% mcap0.3% of flowClass A Common StockSEC:0000905148-26-004365:1
396 shares@ US$6.030.0005% mcap0.1% of flowClass A Common StockSEC:0000905148-26-004365:2
8,650 shares@ US$8.01918.6% of flowClass A Common StockSEC:0000905148-26-004198:0
3,300 shares@ US$7.96391.0% of flowClass A Common StockSEC:0000905148-26-004199:0
Canonical exit: 10 Dec 2026 (T+90)
1,940 shares@ US$7.79620.6% of flowClass A Common StockSEC:0000905148-26-004199:1
Canonical exit: 13 Dec 2026 (T+90)
8,650 shares@ US$8.01918.6% of flowClass ASEC144:0001959173-26-006888
3,350 shares@ US$7.55630.9% of flowClass A Common StockSEC:0000905148-26-004141:0
Canonical exit: 9 Dec 2026 (T+90)
3,450 shares@ US$7.59141.0% of flowClass A Common StockSEC:0000905148-26-004133:0
Canonical exit: 8 Dec 2026 (T+90)
3,475 shares@ US$7.40620.9% of flowClass A Common StockSEC:0000905148-26-004125:0
Canonical exit: 7 Dec 2026 (T+90)
3,500 shares@ US$7.35471.0% of flowClass A Common StockSEC:0000905148-26-004102:0
Canonical exit: 3 Dec 2026 (T+90)
3,450 shares@ US$7.33480.9% of flowClass A Common StockSEC:0000905148-26-004082:0
Canonical exit: 2 Dec 2026 (T+90)
3,550 shares@ US$7.14850.9% of flowClass A Common StockSEC:0000905148-26-004076:0
Canonical exit: 1 Dec 2026 (T+90)
3,550 shares@ US$6.93260.9% of flowClass A Common StockSEC:0000905148-26-004056:0
Canonical exit: 29 Nov 2026 (T+90)
3,500 shares@ US$7.14790.9% of flowClass A Common StockSEC:0000905148-26-004037:0
Canonical exit: 26 Nov 2026 (T+90)
77,850 shares@ US$7.177918.4% of flowClass A Common StockSEC:0000905148-26-003989:0
3,550 shares@ US$7.130.9% of flowClass A Common StockSEC:0000905148-26-003991:0
Canonical exit: 25 Nov 2026 (T+90)
3,500 shares@ US$7.18930.9% of flowClass A Common StockSEC:0000905148-26-003965:0
Canonical exit: 24 Nov 2026 (T+90)
77,850 shares@ US$7.177918.4% of flowClass ASEC144:0001959173-26-006477
3,475 shares@ US$7.25310.9% of flowClass A Common StockSEC:0000905148-26-003934:0
Canonical exit: 23 Nov 2026 (T+90)
25 of 374 declarations
About OppFi Inc.
OppFi Inc. is a U.S.-based financial services company listed on the NYSE in the United States, with the warrant ticker OPFI-WT. The company describes itself as a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans. Its core business has historically centered on installment lending delivered through an online-first model, with underwriting and customer acquisition supported by data and automation.
OppFi was formed in Chicago and grew out of the digital consumer-credit niche, serving borrowers who may be underserved by traditional banks. In practical terms, the company has focused on personal installment loans rather than a broad universal-banking model. In April 2026, OppFi announced a corporate simplification aimed at streamlining its structure, and in the same period it disclosed a definitive agreement to acquire BNCCORP, Inc. and BNC National Bank. Management framed that transaction as transformative, with the goal of expanding geographic reach, diversifying products, and strengthening the balance sheet.
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From a competitive standpoint, OppFi operates in the alternative finance / digital lending segment, competing with online consumer lenders, fintech credit platforms, and, indirectly, regional banks and other consumer finance providers. Its competitive edge lies in a digital distribution model, fast loan decisioning, and a data-driven risk framework. At the same time, the business remains sensitive to credit performance, funding costs, consumer demand, and the U.S. regulatory environment, which is especially important in consumer lending.
The company’s principal revenue stream remains installment lending in the United States. According to its recent filings, that is the main product generating revenue. Recent operating momentum has been notable: for the first quarter of 2026, OppFi reported record quarterly revenue, strong year-over-year net income growth, and a new share repurchase program. In March 2026, it also reported record annual revenue and net income for full-year 2025.
For investors, OppFi is best viewed as a specialized U.S. consumer-finance fintech with a hybrid growth-and-risk profile: attractive operating leverage and platform scalability on one hand, but meaningful exposure to underwriting quality, regulation, and changes in funding or credit conditions on the other.
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