OppFi
OPFIMarket price data through July 31, 2026.
Performance
Aug 2021 – Jul 2026
Track record
How this pick has done since Benson first called it.
- Benson Return
- -21%
- How much this stock is up since Benson first picked it — measured from the price at the time of that first pick, not from today.
- First pick price
- ~$12
- Roughly what one share cost when Benson first picked this stock. This is the starting line for the Benson Return.
- Tracking since
- January 2025
- The month this stock first became a Benson pick.
- Tracking duration
- 18 months
- How long Benson has been tracking this pick.
About OppFi
OppFi is a digital lending platform that gives small loans to working Americans who get rejected by regular banks. They use AI to decide who can pay them back, then charge high interest rates to make it worth the risk.
The case for and against
Both sides of the story, in plain English.
- Profit Powerhouse
OppFi just guided to 153 to 160 million dollars in profit for 2026, up roughly 9 to 14 percent from last year. Revenue is climbing too, with management projecting 650 to 675 million dollars this year, and the company is squeezing more profit from every dollar by cutting costs.
- Smarter Lending
Their AI-powered approval engine is auto-approving nearly 79 percent of applications instantly, while interest expenses dropped to just 6 percent of revenue from 8 percent a year ago. The loan book grew 16 percent to about 493 million dollars, showing real demand for their product.
- Charge-Off Spike
Loan losses jumped sharply last quarter, with charge-offs climbing to 45 percent of revenue from 35 percent the quarter before. When customers stop paying, profits get hit fast, and that one bad quarter dragged adjusted net income down from 40 million dollars to 25 million dollars.
- Recession Risk
OppFi lends to people living paycheck to paycheck, the exact group that gets hurt first when the economy slows. With charge-offs already running near 45 percent of revenue and recession chatter still in the air, any real downturn could quickly turn this lender's loan book into a problem.
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How to read this page
This automated research summary uses Financial Modeling Prep market data through 2026-07-31. Model signals, scores, and risk labels can change and may be incomplete or wrong.
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