The CEO's $1.02M open-market purchase after a 25.8% EPS miss and guidance cut is a high-conviction signal that management sees value at current levels. Monitor for additional insider buying or a share repurchase acceleration. The stock's reaction to the earnings miss may have been overdone if credit trends stabilize, but the elevated charge-off rate and expensive new debt remain risks. A follow-up 8-K with August operating metrics would be a key catalyst.
Price Chart
Executive Summary
OppFi CEO Todd Schwartz purchased $1.02M of OPFI shares on the open market over four days (Aug 12-17), following the company's Q2 earnings miss and significant FY2026 guidance cut. This is a strong conviction buy from the top executive, representing ~0.17% of market cap, occurring just days after a bearish earnings report that sent the stock down.
Key Financial Metrics
Key Facts
- CEO Todd Schwartz purchased $1.02M of OPFI shares on the open market between Aug 12-17, 2026
- Purchases occurred at prices between $7.00 and $7.20 per share
- Total insider buying over the last 30 days is $1.0M, all from the CEO
- Q2 2026 earnings (Aug 10) showed adjusted EPS of $0.33 vs $0.45 consensus, a 25.8% miss
- Full-year 2026 guidance was significantly lowered: revenue cut to $600-625M from $650-675M, adjusted EPS to $1.34-1.51 from $1.76-1.84
- Net charge-offs rose to 39.5% of revenue from 31.9% YoY, indicating credit deterioration
- Company entered a $100M senior secured term loan at 12.5% interest to fund receivables growth
Financial Impact
CEO invested $1.02M of personal capital at ~$7.10 average price, representing ~0.17% of $598M market cap
Risk Factors
- Credit quality deterioration with net charge-offs at 39.5% of revenue may worsen before improving
- Expensive $100M debt at 12.5% interest adds significant financing cost pressure
- Guidance cut was severe — revenue lowered by ~8% and EPS by ~20% at midpoint
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 SEC document filed with EDGAR.
| Document | Accession Number |
|---|---|
| INSIDER-BUY Data (Synthetic) | 0000905148-26-003803 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 19, 2026 7d ago | Press Release | $5.63 | awaiting T+20 | — | $5.47 (−2.84%) |
Sep 11, 2026 6w ago | Insider Buy | $7.78 $5.82 | ▼ −25.19% | ▼ −27.46% | $5.47 (−29.69%) |
Sep 10, 2026 6w ago | Insider Buy | $7.98 $5.93 | ▼ −25.69% | ▼ −27.56% | $5.47 (−31.45%) |
Sep 9, 2026 6w ago | Insider Buy | $7.59 $6.09 | ▼ −19.76% | ▼ −21.89% | $5.47 (−27.93%) |
Sep 8, 2026 6w ago | Insider Buy | $7.53 $6.06 | ▼ −19.52% | ▼ −21.47% | $5.47 (−27.36%) |
Sep 4, 2026 7w ago | Insider Buy | $7.40 $6.18 | ▼ −16.49% | ▼ −18.20% | $5.47 (−26.08%) |
Sep 3, 2026 7w ago | Insider Cluster | $7.42 $6.04 | ▼ −18.60% | ▼ −19.20% | $5.47 (−26.28%) |
Sep 2, 2026 7w ago | Insider Cluster | $7.32 $5.97 | ▼ −18.44% | ▼ −17.99% | $5.47 (−25.27%) |
Sep 1, 2026 7w ago | Insider Cluster | $7.24 $5.95 | ▼ −17.82% | ▼ −17.66% | $5.47 (−24.45%) |
Aug 31, 2026 8w ago | Insider Cluster | $6.86 $6.03 | ▼ −12.10% | ▼ −12.21% | $5.47 (−20.26%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers