OppFi Inc. (NYSE: OPFI ) is a technology‑driven specialty finance company focused on providing unsecured installment loans to borrowers who can't access mainstream credit. Through its partnerships with banks, OppFi has built a digital lending platform that takes on thePhD in Law and Economics, with a dissertation focusing on corporate wrongdoing. Longstanding interest in the stock-market, focusing primarily on US small to mid caps, both long and short.I will write about what peaks my interest: value/growth/ ...

Seasoned Financial Services Executive Brings More Than 35 Years of Insurance and Strategic Transaction Experience to Support the Company's Growth StrategyAUSTIN, Texas, Sept. 25, 2025 (GLOBE NEWSWIRE) -- Open Lending Corporation (Nasdaq: LPRO) (the “Company” or “Open Lending”), an industry trailblazer in lending enablement and risk analytics solutions for financial institutions, today announced the appointment of Todd C. Hart to its Board of Directors as a Class II director, effective September 25, 2025. Mr ...

Fred Alger Management, an investment management company, released its “Alger Weatherbie Specialized Growth Fund” second-quarter 2025 investor letter. A copy of the letter can be downloaded here. Initial volatility in April stemmed from increased trade policy uncertainty following President Trump's tariffs on April 2, which affected import-dependent companies. Stability returned on April 9 after a 90-day pause on new duties. Market sentiment improved in May following the White House’s suspension of reciproca ...

WeDo Business Finance has appointed Aman Gill as the new head of credit risk and underwriting, a newly created role. The appointment is aimed at enhancing the company's ability to expedite funding for small and medium-sized enterprises (SMEs). Gill has over 20 years of experience in the financial services sector. Before joining WeDo Business Finance, Gill was part of Bibby Financial Services, where he held the position of head of trade services and corporate underwriter, focusing on structuring and un ...

A viral TikTok video exposing high student loan interest rates has sparked nationwide outrage over lending practices where teenagers feel trapped in debt they cannot understand or escape. Alyssa Jeacoma, 26, discovered that her student loans carry interest rates as high as 17%, which is higher than many credit cards, despite making $1,500 monthly payments for two years. Her tearful TikTok, filmed outside a TJ Maxx where she says she couldn’t afford to shop, has been viewed 6.9 million times and ignited co ...

股价表现 - 公司股价连续两日创历史新高 周二收盘上涨844%至每股4048美元[1][2] - 盘中触及历史最高价4274美元 随后涨幅收窄[2] - 上市第三日延续涨势 成为当日表现最佳股票之一[1][2] 业务模式 - 运用区块链技术连接住房贷款方与借款方 专注于住房净值贷款领域[3][4] - 住房净值贷款资金发放周期仅需10天 显著低于行业平均42天水平[4] 市场环境 - 美联储9月17日FOMC会议预期降息 可能刺激抵押贷款和再融资需求[3][4] - 利率敏感型住宅市场将受益于借贷成本下降[4] 融资情况 - 通过纳斯达克上市发行3150万股 募集资金7875亿美元[5]

关税政策影响 - 美国对华商品征收平均50%关税 导致进口商成本急剧上升[2][15] - 关税必须在货物到港后数日内支付 造成进口商现金流压力[7][15] - 部分企业通过提高产品价格15%-20%转嫁成本[10][16] 贷款需求激增 - Slope公司8月信贷额度申请量同比增长730%[2][15] - Wayflyer公司7月新贷款申请环比增长28% 远超季节性增幅[6][15] - Clearco公司7-8月贷款发放量较2024年同期增长46%[6][15] 贷款行业特征 - 行业主要服务年收入2500万美元以下中小企业[6][15] - Slope可即时批准25万美元贷款 两日内处理300万美元额度[6][15] - Wayflyer自2019年以来已为5000家电商企业提供信贷[6][15] 企业融资案例 - 新泽西包装进口商通过Slope获得30万美元60天信贷支付关税 月息1.5%[8][9][15] - 体育用品进口商频繁使用信贷支付数十万美元关税[10][16] - 健康品牌Obvi因关税使制造成本上升12% 提前获取信贷额度应对库存补充[11][16] 行业结构调整 - 部分企业被迫退出无利可图业务领域（如太阳能发电机）[12][16] - 企业转向新业务领域（如预制模块化房屋）寻求利润空间[13][16] - 幸存企业预计将通过市场整合获得更大份额[14][16] 行业资金背景 - lending行业疫情期间共融资超过20亿美元[15] - 主要投资方包括摩根大通、高盛集团和Y Combinator等机构[15] - Clearco和Wayflyer均已达到10亿美元估值独角兽地位[15]

贷款交易 - CIM Group完成两笔酒店抵押贷款总额7350万美元[1] - 贷款资产为两家希尔顿品牌酒店[1] 酒店资产 - 抵押资产为希尔顿品牌酒店资产[1]

公司业务与技术 - 公司核心业务为区块链平台 支持消费信贷和数字资产的借贷、交易和投资[2] - 区块链技术可将交易中介环节从7个减少至2个 显著提升效率[1] - 技术使房屋净值贷款融资周期缩短至10天 远低于行业平均42天[3] 财务表现 - 最近12个月房屋净值贷款促成金额达60亿美元 同比增长29%[3] - 最近6个月总收入1.906亿美元 同比增长22%[3] - 最近6个月实现净利润2940万美元 去年同期为亏损1340万美元[3] 资本市场活动 - 公司完成IPO融资7.875亿美元 发行3150万股 发行价25美元[2] - 发行价超出预期区间20-22美元 上市估值达53亿美元[2] - 公司由SoFi联合创始人于2018年共同创立[2]

IPO定价与融资 - Figure科技解决方案将IPO发行价从每股20-22美元上调至25美元[1][2] - 公司发行3150万股 募集资金787亿美元[2] - IPO后公司估值达到53亿美元[2] 业务模式与战略 - 公司2018年成立 最初提供房屋净值贷款业务[2] - 现已建立涵盖贷款发起、市场分销和资本市场执行的垂直整合模式[2] - 计划拓展更广泛的信贷产品线 同时开发数字资产和稳定币市场[3] 技术优势与市场定位 - 采用人工智能驱动自动化和区块链透明度技术[3] - 旨在消除贷款市场低效问题 提供更快速、更易获得的信贷服务[3] - 当前资本市场基础设施存在碎片化问题 依赖传统系统导致流程低效[4] 行业背景与发展趋势 - 数字资产领域受欢迎程度上升 受美国亲加密货币政策推动[5] - 特朗普就任后投资者拥抱加密行业 Bullish和Circle等公司今夏成功上市[5] - Circle的上市被视为"文化经济转变"的标志 预示加密货币进入机构金融新阶段[6] 同业公司动态 - Gemini加密交易所寻求上市估值从21亿美元上调至32亿美元[6] - 加密货币资产管理公司CoinShares计划通过SPAC合并方式进入美国股市[7] - CoinShares目前在瑞典上市 计划在美国上市后从瑞典市场退市[7]