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OppFi Inc (OPFI) Fair Value & Analysis

Financial Services · US · Market cap $1.2B

Price$8.80
Fair Value$4.01
Upside-54.4%
Quality80/100
Evidence: Medium Range $3.01 – $5.01

Analysis

OppFi Inc (OPFI) currently trades at $8.80, while our model-based Fair Value estimate is $4.01 — implying the stock looks roughly 54.4% overvalued today. We read business quality at 80/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

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 consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.

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How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.