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Here’s where I land on OppFi Inc. (NYSE:OPFI): I’m bullish but it’s a cautious kind of bullishness. I completely understand why people are skeptical—after all, the stock has more than tripled in a year and it lives in
OppFi: A High-Growth, High-Risk Fintech With Room To Run - But Not For The Faint Of Heart
Summary
- I'm bullish on OppFi, but with caution—regulatory risk and leverage are real, yet the turnaround and growth are hard to ignore.
- OppFi's record revenue, special dividend, and consistent earnings beats show management is executing, while shares trade at a reasonable 11x forward earnings.
- Regulatory headwinds, especially in California, and credit losses are key risks; this is not a 'set and forget' stock—active monitoring is essential.
- If regulatory fears fade and growth continues, OppFi could re-rate higher; I'd buy on pullbacks below $13 and hold unless red flags emerge.
With over 15 years of experience in the markets and a degree in economics, I focus on breaking down companies with clarity and discipline. My goal is to give individual investors a straightforward, honest view—what’s working, what isn’t, and where the risks and opportunities actually are. I don’t chase narratives. I follow the numbers and the business underneath.
Analyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
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