Core Insights - OppFi Inc. (OPFI) is a technology-driven digital finance platform that specializes in marketing, underwriting, and servicing installment loans to consumers through partnerships with community banks [1] - The company does not finance loans directly but focuses on leveraging technology to enhance its services [1] Company Overview - OppFi operates as a digital finance platform, emphasizing technology in its loan servicing model [1] - The company collaborates with community banks to provide installment loans, indicating a partnership-driven approach to its business model [1] Industry Context - The digital finance sector is increasingly reliant on technology to streamline loan processes and improve customer experience [1] - Partnerships with community banks suggest a trend towards collaboration in the financial services industry, allowing for a broader reach and enhanced service offerings [1]

Core Insights - LendingClub's lower valuation compared to peers like SoFi and Upstart is attributed to its original business model and slower growth in loan originations [1][6] - The company is planning a rebranding to create new opportunities while maintaining its high customer satisfaction metrics [2][3] - Despite lower originations growth, LendingClub demonstrates higher efficiency in converting loans into revenue and profits [8][11] Company Performance - LendingClub has a customer satisfaction rating of 4.83 out of 5 and a net promoter score of 81, indicating strong customer loyalty [1] - The company reported a 37% growth in loan originations last quarter, primarily in unsecured personal loans, but this is lower than SoFi's 53% and Upstart's 154% [6][8] - LendingClub's revenue growth was 32% year-over-year, with earnings/contribution profit growth at 185%, showcasing its efficiency in loan performance [8][11] Market Position - LendingClub is the oldest among new-age lenders and has performed better than newer competitors during economic downturns [4] - The company has shifted from a retail model to primarily selling loans to institutional investors, including a $1 billion agreement with BlackRock [5][6] - The upcoming Investor Day is expected to outline a long-term vision and potentially new business ventures, which may attract investor interest [16] Underwriting and Risk Management - LendingClub's underwriting practices have resulted in 37% to 47% lower 30-day delinquencies compared to competitors [11] - The company focuses on quality over quantity in borrower selection, which has led to better loan performance and pricing [12][14] - Unlike competitors, LendingClub sells loans without credit enhancements, contributing to its superior bottom-line performance [14]

Market Overview - The total market capitalization of new-age tech companies decreased to $109.15 billion from $110.93 billion over the past week [2] - A mixed performance was observed among 42 new-age tech companies, with 26 companies experiencing share declines between 0.17% and over 15%, while 16 companies saw gains ranging from 0.01% to over 33% [1][8] Company Performance - ixigo reported a net loss of INR 3.5 crore for Q2, down from a profit of INR 13.1 crore in the same quarter last year, primarily due to one-time ESOP expenses of INR 26.9 crore [21] - Operating revenue for ixigo increased by 36% year-over-year to INR 282.7 crore, but showed a sequential decline of 10% from INR 314.5 crore [21] - CarTrade's shares rose by 18.44% after the company reported a net profit of INR 64.1 crore for Q2, more than doubling from INR 30.7 crore a year ago, with operating revenue increasing by 25% year-over-year to INR 193.4 crore [18][19] IPO and Market Sentiment - Lenskart's IPO opened with a 110% subscription on the first day, despite concerns over high valuations [16] - Fintech unicorn Groww filed for a INR 6,600 crore IPO, while Pine Labs filed for a fresh issue of INR 2,080 crore [16][17] - The Indian equities market saw a decline, with Sensex and Nifty 50 both dipping by 0.3%, attributed to profit booking and regulatory changes proposed by SEBI [14]

The lone analyst with a sell rating on Fiserv Inc. ahead of the company’s crushing stock selloff says the writing was on the wall for months. For a large chunk of Wall Street, the fintech’s massive earnings miss was a surprise: Nearly 80 per cent of the analysts covering Fiserv had buy-equivalent ratings as of earlier this week. But Dominic Ball, a 26-year-old analyst at Rothschild & Co Redburn, had slapped a sell-rating on the company in April.On Wednesday, his skepticism was rewarded when the company’s sh ...

TRENDING: Palantir, Robinhood Earnings Due After Market's Tricky October China EV sales were generally strong in October, with XPeng (XPEV), Nio (NIO) and Leapmotor reporting record deliveries once again and Xiaomi (XIACY) likely doing so. Li Auto (LI) continues its sharp year-over- year declines. EV giant BYD (BYDDF) had its best month of 2025, but sales were below a year earlier. Tesla does not report monthly China sales, but industry data… Related news Stock Market Week Ahead: October Marks A 7-Year Bes ...

The Fiserv Inc. headquarters in Milwaukee, Wisconsin, US, on Wednesday, Oct. 29, 2025. The Fiserv Inc. stock suffered a record plunge after the fintech slashed its outlook for full-year earnings and unveiled third-quarter results that confounded Wall Street analysts© 2025 Bloomberg Finance LPOBSERVATIONS FROM THE FINTECH SNARK TANKFiserv’s share price collapsed by nearly 50% this week, the company’s worst trading day on record. The company reported third‑quarter earnings of $2.04 per share on $4.9 billion i ...

There were no spooky plot twists on Wall Street this week. Big Tech earnings, trade deal developments, and a Fed meeting all took turns dominating the headlines leading up to Halloween. Choppiness and volatility still managed to rear their ugly heads, however. Just when mid-week records were nabbed, AI valuation concerns triggered profit-taking, only for a different batch of large cap tech earnings to stabilize sentiment. With October in the rear view, all three major indexes picked up weekly and monthly wi ...

SOMERSET, NJ / ACCESS Newswire / October 31, 2025 / BCII Enterprises Inc. (OTCID:BCII), a Nevada corporation, announced today the formation of a strategic 50/50 joint venture with Digital Landia Inc., a Miami, Florida-based technology firm. The partnership aims to develop and distribute an innovative tokenization solution designed to empower emerging growth companies. ...

Affirm Holdings Inc. signage on a laptop computer arranged in Little Falls, New Jersey, U.S., on Wednesday, Dec. 9, 2020. Affirm Holdings Inc., which lets online shoppers pay for purchases such as Peloton bikes in installments, plans to go public this month. Photographer: Gabby Jones/Bloomberg© 2020 Bloomberg Finance LPMany companies rely on misleading “adjusted” metrics to trick investors into thinking their business is stronger than it is in reality. The law allows companies to invent entirely new metrics ...

Dominic Ball The lone analyst with a sell rating on Fiserv Inc. ahead of the company’s crushing stock selloff says the writing was on the wall for months. For a large chunk of Wall Street, the fintech’s massive earnings miss was a surprise: Nearly 80% of the analysts covering Fiserv had buy-equivalent ratings as of earlier this week. But Dominic Ball, a 26-year-old analyst at Rothschild & Co Redburn, had slapped a sell-rating on the company in April. Most Read from Bloomberg On Wednesday, his skepticis ...