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OPFI
OppFi Inc.·Credit Services·US
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves ...
1 Total1 External0 In-site
OPFIOppFi Inc.
2026-02-11🏦 Financial ServicesPitch
Externalby Shortfinder · Other
Opfi Ranks 1 Dilution Risk Insider Selling 9x Leverage and 73 Decline Probability Signal Caution
主要经营地
Chicago, Illinois
详细的生意模式
次级消费金融/分期贷款平台：通过高利率贷款与服务费盈利，受资金成本与坏账周期影响
护城河
主要依赖风控模型与渠道获客；护城河较弱，且资本市场信心（融资）影响大
估值水平
TEV缺失；P/E 64.95；TEV/EBITDA N/A
网络观点
🔴作者给出强烈风险提示：认为稀释风险最高（模型显示短期大幅回撤概率高），并提到内部人出售等信号。🌟主线：股权稀释/下行风险。
AI的观点
❌在价值投资框架里，次级贷的“便宜”常被信用周期反噬。⚠️关键是融资结构、坏账与监管；一旦需要增发，股东价值易被摊薄。🔎看：贷款组合期限、净息差 vs 坏账、资金来源稳定性与增发预案。
原文发布时间
2026-02-12