Author argues OPFI is undervalued because its trailing PE of 144x is distorted by growth investment and will reset to ~17-18x after Q4 results, with forward PE at 5-6x.
OPFI — LONG The author argues OPFI's trailing PE of 144x is misleading because the company has been in a heavy growth-investment phase, and if Q4 results come in as advised the trailing PE resets to roughly 17-18x with forward PE around 5-6x. They claim revenues are rising while costs stabilize or decline, and that a new AI underwriting model is producing better results validated by bank partnerships. Institutions have been accumulating while financials are skewed, and the author expects a re-rating once Q4 results are released. The author acknowledges sub-prime lending is seen as taboo as the main concern.
If Q4 results come in as advised then it resets the trailing PE to around the 17-18x mark and with forward PE sitting at around 5-6x leaves it very undervalued.
This Reddit post, published January 18, 2026, features u/Glad-River7299 discussing OPFI. 1 trade idea extracted by AI with direction and confidence scoring.
Speakers: u/Glad-River7299 · Tickers: OPFI