OppFi Inc (OPFI) Stock Analysis
Verdict: BUY
CEO insider buying and forward P/E of 5.0x signal valuation disconnect post-Q2 earnings miss — subprime credit risk remains the main drag.
Investment score: 65/100
Analysis as of
Is OppFi Inc stock worth reviewing? AI model thesis
OppFi presents an asymmetric value opportunity at 5.0x forward earnings, backed by intense CEO buying, despite subprime credit cyclicality risks.
7-factor investment score
- Valuation: 78/100 (weight 20%)
- Financial Health: 70/100 (weight 15%)
- Technical Momentum: 30/100 (weight 15%)
- Earnings Quality: 45/100 (weight 15%)
- Insider Sentiment: 90/100 (weight 10%)
- Analyst Consensus: 80/100 (weight 10%)
- Risk-Adjusted Return: 68/100 (weight 15%)
OppFi Inc opportunities and risks
What speaks for OPFI
- Aggressive Insider Accumulation by CEO
What speaks against OPFI
- Subprime Consumer Credit Default Risk
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| OPFI | 2.1x | 1.1x | 6.9x | 113.8% | 18.7% | 64.5% |
| NAVI | n/a | 0.3x | 39.8x | 49.4% | -1.7% | 38.2% |
| WRLD | 21.9x | 1.5x | 25.2x | 60.6% | 6.6% | 29.7% |
| GDOT | n/a | 0.3x | n/a | 24.5% | -1.1% | 15.4% |
| PRAA | n/a | 0.5x | 4.1x | 107.3% | -19.4% | -5.2% |
| NRDS | 10.9x | 0.8x | 4.7x | 93.5% | 7.6% | 20.4% |
| Peer median | n/a | 0.5x | 4.7x | 60.6% | -1.1% | 20.4% |
Frequently asked questions about OppFi Inc (OPFI)
Is OPFI stock a good investment?
The cached TradeMates AI model rates OppFi Inc as BUY with an investment score of 65/100. OppFi presents an asymmetric value opportunity at 5.0x forward earnings, backed by intense CEO buying, despite subprime credit cyclicality risks. This is algorithmic model output, not personal investment advice.
Is OPFI stock a buy?
The TradeMates model verdict for OPFI is BUY with an investment score of 65/100. Treat this as a model signal to review, not a personal buy recommendation.