OppFi Inc is projected to report Q3 2026 revenue of $152.79 million and earnings of $0.38 per share, while its current stock price of $5.67 remains well below the average analyst target of $10.50. Investors are primarily focused on the progress of the pending BNCCORP acquisition, which is slated to close in Q4 2026 and transition the company into a bank holding company.
This strategic shift is expected to significantly lower funding costs by utilizing deposits, helping to offset recent pressure from elevated net charge-off rates. Despite a miss in the previous quarter, management remains optimistic about its Model 6 credit algorithm's ability to stabilize originations and enhance long-term profitability.