OppFi is a fintech platform that helps banks offer installment loans, payroll-deduction loans, and a credit card to everyday borrowers. Think of it as the engine behind a bank's consumer lending products.
OppFi makes money from interest and fees on loans, with revenue of USD 0.60B in 2025. Gross margins are high (95%+), but net margins are thin (4.4% in 2025), reflecting heavy credit costs.
OppFi's moat is weak because its lending products face intense competition from established players like LendingClub and Upstart, which have similar tech and lower funding costs. No proprietary advantage keeps customers from switching.
Key events, in time order
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The CEO of OppFi is actively buying shares, suggesting a positive outlook and potential undervaluation. This is a fundamental thesis based on insider buying.
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