What move does the options market price into OppFi's report?

Implied ±24.7%, either direction · provisional.

How often does OppFi move more than the options market prices?

2 of the last 8 reports moved at least as far as the implied move.

OPFINYSEFinance Services

OppFi Inc. (OPFI) earnings date, market-implied expected move, and options open interest by expiry

6.23

+0.39 · +6.76%

Regular session14:36 ET

Open5.99Volume1.8MMkt cap$497.6MP/E4.89

Day5.99 – 6.2594%52-wk5.36 – 11.6914%

OPFI

OppFi Inc.

OpenVolumeMkt capP/EEPSDiv yield

Day – 52-wk –

Expected move

Inputs

±24.7%implied · straddle

4.407.28

spot 5.84exp Apr 16ATM strike 5ATM straddle 1.70IV 53%

Nov 3 closeprovisionalthin chain

Expected move

Inputs

Next report

Mar 17

before open · in 133 days

est.Q4 FY26

Calendar

Next report

Last report

+3.49%

vs ±13.6% implied · ×0.26

shaded = implied · ▲▼ = realized

Oct 28 '26 · confirmed

Implied vs realized

Linked news

1hCRM · supplierAIMG® Sizes AI Governance Platforms Market at $12.5 Billion by 2030; Microsoft, Databricks and Salesforce Top AI LeaderMap®
2dAMZN · supplierBetterInvesting™ Magazine Update on Amazon.com and UnitedHealth Group

News

Largest filed tie

13F top-10 QoQ

+33.46%

shares held · 10 largest managers

13F · Jun 30 '26127d lag

146 managers

Top fund weight

0.01%

OPFI weight · IWM

N-PORTJun 30 '26

3 funds

Last reportshaded = implied▲▼ = realized× = |realized| ÷ implied

OppFi (OPFI) is expected to report on Mar 17 before open (estimated date).

Implied vs realized

8 reports

2 of 8≥ implied

avg implied: ±13.9%
avg realized: ±9.4%

Mar 5 '25Mar 5 '25confirmed±13.2%▲+10.80%×0.82

May 7 '25May 7 '25confirmed±18.6%▲+11.75%×0.63

Aug 6 '25Aug 6 '25confirmed±11.1%▲+13.41%×1.21

Q3 FY25Oct 29 '25confirmed±17.4%▲+3.80%×0.22

Q1 FY26Mar 11 '26confirmed±13.2%▼−5.87%×0.44

May 7 '26May 7 '26confirmed±8.5%▲+1.44%×0.17

Q2 FY26Aug 10 '26confirmed±15.4%▼−24.86%×1.62

Oct 28 '26Oct 28 '26confirmed±13.6%▲+3.49%×0.26

quarterimplied−25%0+25%realized×

Oct '26±13.6%▲+3.49%×0.26

Q2 FY26±15.4%

Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Implied vs realized

Positioning

OI · 4 expiries · Oct 29 close

0.76OI · 4 expiries · Oct 29 closeP/C open interest · Apr 16 · first expiry after the report

PUTS · chgexpiry · days · P/CCALLS · chgP/C

47−72%

Positioning

Linked exposure

scenario · straddle±24.7%

Funds 3

IWM±0.0%

UWM±0.0%

VTI±0.0%

Suppliers 1

AMZN±4.1%×0.17

Dashed = straddle · × = co-movement · max 501dMethod Source: SEC filings · N-PORT · market data

Linked exposure

Revenue flow

as filedQ2 FY26

10.75%as filednet margin · revenue −4.42% QoQ · +1.91% YoY

Revenue

$145M−4.42% QoQ

Gross profit

$129M−6.36% QoQ

88.78% margin

Operating income

$24M−31.13% QoQ

16.78% margin

Pre-tax income

$25M−56.12% QoQ

Net income

$16M−71.11% QoQ

10.75% margin

Cost of revenue

$16M+14.31% QoQ

Operating expenses

$46M+20.81% QoQ

SG&A $18M

Other operating $14M

Marketing $11M

Other operating $2M

Other expense

$58M

Tax

$10M+147.90% QoQ

Revenue$145M−4.42%

Gross profit

$129M−6.36%

88.78% margin

Operating income

$24M−31.13%

16.78% margin

Pre-tax income

$25M−56.12%

Net income

$16M−71.11%

10.75% margin

Cost of revenue

$16M+14.31%

Operating expenses

$46M+20.81%

SG&A $18M

Other operating $14M

Marketing $11M

Other expense

$58M

Tax$10M+147.90%

flow · deduction · signed % = QoQSource: SEC filings · standardized · QE Jun 30 '26 · width = $

Revenue flow

Intraday

15m bars

Long dash = implied range · Nov 3 close · Hatch = extended hours · ▯ up · ▮ downSource: market data · 14:30 ET

Intraday

Event sensitivity

FOMC ×1.35· ±4.1% vs ±3.0% · 24 releases

eventrelease day|move|up · n×base

FOMCrate decision±4.1%12 of 24×1.35

CPROFcorporate profits±2.5%6 of 12×0.84

GDPgross domestic product±2.3%7 of 19×0.75

PPIproducer prices±2.1%5 of 10×0.71

NFPjobs report±2.1%3 of 10×0.69

CPIconsumer prices±1.9%5 of 10×0.65

PCEpersonal income & outlays±1.6%7 of 19×0.55

Bar = avg |move| to ±5% · tick = ±3.0% avg day · ×base = |move| ÷ ±3.0% · min 6 releases

Earnings history

EPS 0.18 · consensus —

Quarter	Reported	EPS	Consensus
Q2 FY26	Aug 10 '26 · confirmed	0.18	—
Q1 FY26	Mar 11 '26 · confirmed	0.56	—
Q3 FY25	Oct 29 '25 · confirmed	0.77	—

Source: filed financials

Methodology

ties · implied moves · holdersMethod