NYSE · Financial · Credit Services · USA
OppFi Inc is a small cap company (market value between $300 million and $2 billion) in the Credit Services industry.
OppFi is a technology-enabled specialty finance platform that provides installment loans to employed U.S. consumers lacking traditional credit access. Through its OppLoans platform, the company partners with community banks to offer fair-rate loans with transparent terms, no fees, and credit bureau reporting. The platform uses machine learning and alternative data to evaluate borrowers and deliver automated credit decisions.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the OppFi Inc stock.
Undervalued: intrinsic value $14.05 per share, market price $5.62, margin of safety 60.0% (as of 2026-10-30).
Book value at 2.50x, the multiple a 38.4% return on equity justifies, blended with earnings, values the shares at $14.05; the price of $5.62 is 60% below that value.
Leak Score: 100/100 on 9 of 12 signals (Major Leak).
17 more funds hold it; the full list is part of the paid plan.
OPFI is undervalued (as of the 2026-10-30 close). Book value at 2.50x, the multiple a 38.4% return on equity justifies, blended with earnings, values the shares at $14.05; the price of $5.62 is 60% below that value.
$14.05 per share (as of the 2026-10-30 close), against a market price of $5.62. That is a margin of safety of 60.0%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
100 out of 100, which we rate "Major Leak", on 9 of 12 value investing signals.