OppFi (OPFI) Moat Score: 4/10 (As of Aug. 01, 2026)

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OPFI OppFi Inc OPFI
80 GF Score
Price $9.37
GF Value $3.42
Valuation Significantly Overvalued
! 4 Warning Signs
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What is OppFi Moat Score?

OppFi OPFI -0.53% 80 Moat Score is 4 as of Aug. 01, 2026. GuruFocus rates OPFI with a GF Score™ of 80/100 and a GF Value™ of $3.42 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 568 Credit Services companies, OppFi ranks better than 95.07% on this metric.

OppFi has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

OppFi has Narrow Moat: OppFi has a modest moat due to its niche focus in financial technology, offering some customer switching costs and regulatory knowledge. However, it faces significant competition and lacks strong brand strength or pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes OppFi might have Narrow Moat - Discernible but modest moat.

OppFi  (NYSE:OPFI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

OppFi Moat Score Related Terms

OPFI vs NAVI, GDOT, PRAA: Moat Score Comparison

For the Credit Services subindustry, OppFi's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

OppFi Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, OppFi's Moat Score distribution charts can be found below:

* The bar in red indicates where OppFi's Moat Score falls into.


OPFI
80GF Score
OppFi Inc OPFI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
OppFi (OPFI) has a Moat Score of 4 as of Aug. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, OppFi ranks #28 out of 568 companies in the Credit Services industry, placing it in the top 4.9%.
Is OppFi's Moat Score too high?
OppFi's current Moat Score is 4. Based on the distribution chart, OppFi ranks #28 out of 568 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, OppFi has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OppFi's Moat Score compare to NAVI and GDOT?
According to the Credit Services industry distribution chart, OppFi ranks #28 out of 568 companies for Moat Score. This places OppFi in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. OppFi's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OppFi stock overvalued right now?
Based on GuruFocus' analysis, OppFi (OPFI) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.42, compared to a current price of $9.37 — trading 174% above its estimated fair value. The current Moat Score is 4. OppFi's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For OppFi (OPFI), the current Moat Score is 4 as of Aug. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is OppFi (OPFI) Overvalued in 2026?

Based on GuruFocus' analysis, OppFi stock appears to be overvalued. The current stock price of $9.37 is trading 174% above its estimated GF Value™ of $3.42. GuruFocus considers OppFi to be Significantly Overvalued.

Key valuation signals for OPFI:

  • Moat Score: 4
  • GF Value™: $3.42 vs. price of $9.37 (174% above fair value)
  • GF Score™: 80/100 with 4 warning signs

No single metric tells the full story. See the OPFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

OppFi Business Description

Address 130 East Randolph Street, Suite 3400, Chicago, IL, USA, 60601
OppFi Inc. is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to expand credit access for everyday Americans. It recognizes revenue from finance charges on installment and SalaryTap contracts using the interest method.
80GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.37
Price
$3.42
GF Value