Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 2Q26

Dallas, Texas--(Newsfile Corp. - August 11, 2026) - OppFi, Inc. (NYSE: OPFI): Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OppFi's 2Q26 results weaken the near-term earnings outlook but do not change the longer-term thesis. The FY26 reset reflects delayed LOC and LOLA-related initiatives alongside macro pressure on consumer affordability, with management deliberately pacing product rollout and underwriting rather than pursuing volume at the expense of credit quality. Controlled adjusted expenses and sequentially improving charge-offs suggest the model remains intact, while OppFi prioritizes balance-sheet strength, unit economics, and risk-adjusted returns. LOC launch, LOLA migration, and improving originations should clarify a return to growth, while BNCC approval remains the larger strategic driver.

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