Nov. 02, 2025 8:32 PM ETOppFi Inc. (OPFI) StockOPFIThe J Thesis761 FollowersOppFi is a fintech platform focused on non-prime consumer installment loans, showing strong double-digit revenue and EPS growth.OPFI delivered its 7th consecutive double-beat quarter, with robust margins and improved FY2025 guidance, but faces macroeconomic and regulatory headwinds.Despite trading at a significant discount to peers, OPFI's medium leverage and exposure to high-risk borrowers justify a Hold rating and $10.70 price target.While OPFI may appeal to long-term investors seeking undervalued fintechs, near-term upside is capped by credit quality concerns and regulatory scrutiny.bin kontan/iStock via Getty ImagesOppFi Inc. (OPFI) is a technology-driven digital finance platform that focuses on the marketing, underwriting, and servicing of installment loans to consumers via partnerships with community banks. The company does not finance loans itself, yet it emphasizes technologyThis article was written byThe J Thesis761 FollowersDear Reader,I am a Senior Derivatives Expert with over 10 years of experience in the field of Asset Management, specializing in equity analysis and research, macroeconomics, and risk-managed portfolio construction. My professional background covers both institutional and private client asset management, where I have advised on and implemented multi-asset strategies, but highly focusing on equities and derivatives.As you might be as well, I am a stock market enthusiast. My core passion lies in understanding how macro trends influence both asset prices and investor behavior. I closely follow EU and US central bank policies, sector rotation, and sentiment dynamics, and construct actionable investment strategies.BA in Financial Economics, MA in Financial Markets. In the past decade, I have navigated through various market conditions, and this was my PhD.One of the essential goals of writing on Seeking Alpha is to share insights with colleagues, fellow investors, exchange ideas, and become slightly better than yesterday. I contribute to the idea that investing should be accessible, inspiring, and empowering. It might sound like a cliche, I know, but in the end it's highly valuable - so let's help each other build confidence in long-term investing. The analysis and opinions shared in my articles and comments are for informational purposes only and should not be considered financial advice. Please do your own research before making any investment decisions.Thank you and have a lovely day!Best regardsAnalyst’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.Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.Comments