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OPA's micro financing play through their AI platform is solid long-term, especially with load-shedding driving more people to buy airtime credit on tap. Last close R17.15 seems reasonable for what they're building in the fintech space, similar runway to what we saw with other credit platforms early on. Don't even check the SP, come back in 6 months.
Good morning everyone. OPA's micro-lending model through their AI platform is interesting given the demand for quick credit in SA, but margins on airtime credit are thin. At R17.15 the valuation depends heavily on whether their credit decisioning actually reduces defaults versus traditional lenders. Worth reading their latest SENS on customer acquisition costs.
OPA's micro-lending model is actually decent if you believe the credit decisioning algo works. Problem is the fintech space is getting crowded and margins get hammered. At R17.15 you're pricing in some execution risk, which is fair enough. Wonder if they can scale without blowing up their bad book.
OPA getting hammered on broader EM weakness and rate cycle fears, but the micro-lending model actually benefits from higher rates if they can keep credit quality tight. At R17.15 the fintech play is pricing in a lot of pessimism. Long-term view hasn't changed, these platforms typically outperform once inflation peaks and the rand stabilizes.
OPA up 0.82% today while the financials sector's been treading water. Compare that to Capitec's recent momentum and you can see why the smarter money might be hunting for value plays in the smaller cap space right now.
OPA up 0.41% today while the financials sector treads water. Not exactly inspiring given the dividend yield on offer, but at least it's holding better than some of the heavyweight banks getting hammered on rate expectations.
OPA sitting at R1688 with that minor daily dip, but the real question is whether the investment holding premium is justified given the rand volatility and externalisation headwinds affecting SA-listed financials. Net asset value metrics matter more than share price movements here
OPA's modest 1.18% appreciation to R1721 doesn't move the needle much, but what interests me is how it trades relative to peers like PSG or Bravura. Channel Vacs operates in the niche investment holding space where intrinsic value calculations matter far more than momentum, and w
Channel VAS sitting at R1725 is interesting from a financials angle, though the sector's been under pressure with rate cycle uncertainty. The real question is whether their asset base and dividend sustainability hold up if economic growth stays sluggish, because I'm more focused
Channel Vas Inv has been navigating a tougher operating environment, but with the current macro headwinds hitting most financials, the +1.08% move today suggests some cautious optimism around their portfolio positioning. Long-term, I'll be watching their exposure to agricultural
OPA's embedded value metrics warrant scrutiny given the modest pullback, particularly regarding return on embedded value relative to cost of capital in this rate environment. With financials repricing on duration expectations, the warrant puts on OPA offer asymmetric protection i
Down 1.57% today but I reckon this dip is overdone, financials have been getting hammered unfairly lately. Maybe worth nibbling at R1880 instead of waiting for it to drop further like I usually do.
The market's selling of OPA at R1880 feels overdone when you consider the financials sector's structural demand for cash generation, particularly from entities with diversified revenue streams like this one. The 1.57% slide today strikes me as reactive noise rather than fundament
Trimmed my OPA holding at R1880 after the 1.57% pullback today, taking some chips off the table given the rand weakness and underlying pressure on financial services valuations, but keeping a core position since the dividend yield still offers reasonable income cover despite macr
Channel VAS appears structurally challenged as a pure-play property financier in a declining commercial real estate cycle, with embedded value likely deteriorating faster than the market acknowledges given rising vacancy rates and tenant distress across SA's office stock. The fla
OPA's up 1.42% today but I reckon the market is pricing in too much optimism on their fintech integration roadmap without seeing actual customer adoption metrics or NPS improvement yet. The financials sector is getting frothy on growth expectations, and until I see evidence that
OPA's down 0.63% today but at R1904 the dividend yield still looks respectable compared to some of the other financial services plays that have been punished harder this year. I'd rather own a quality financial compounder trading at these levels than chase the flavour of the mont
OPA down 1% today but I'm more concerned about the embedded value disclosure methodology. Has anyone reviewed their recent policyholder liability assumptions and how they've shifted the discount rates on deferred acquisition costs, or am I the only one noticing the margin compres