Business 81% 1 min readJul 8, 2026, 1:26 PM

BofA Saw OpenAI as Too Risky, But Now The Bank Wants to Cash In on IPO - Bloomberg.com

30-second summary

Bank of America, which once viewed OpenAI as too risky, is now positioning itself to capitalize on the company's upcoming IPO.

Key takeaways
  • Bank of America previously viewed OpenAI as too risky but is now seeking to participate in its IPO.
  • OpenAI's upcoming IPO could be one of the largest tech listings in years, with a potential valuation in the hundreds of billions.
  • The bank's shift reflects growing institutional confidence in AI companies despite regulatory and ethical concerns.
  • OpenAI's capped-profit model may have initially deterred conservative investors like Bank of America.
Full story

Bank of America initially considered OpenAI a high-risk venture, likely due to the startup's unproven business model and volatile financials. However, the bank has now reversed course, signaling its intent to participate in OpenAI's highly anticipated public offering. This shift underscores the broader industry's growing acceptance of AI companies, even those with unconventional structures like OpenAI's capped-profit model. The move also highlights the financial sector's eagerness to tap into the booming AI market, despite lingering regulatory and ethical uncertainties surrounding the technology.

The bank's decision comes as OpenAI prepares for what could be one of the largest tech IPOs in recent years, with expectations of a valuation in the hundreds of billions. Bank of America's involvement could provide OpenAI with not only capital but also enhanced credibility in the eyes of other institutional investors. Analysts suggest this pivot may reflect a broader trend of traditional finance embracing high-growth, high-risk AI ventures as the sector matures.

Source: BofA Saw OpenAI as Too Risky, But Now The Bank Wants to Cash In on IPO - Bloomberg.com. Read the full piece at the source.

Why this matters
Businesses

Demonstrates how traditional finance is warming to high-risk, high-reward AI ventures.

Investors

Highlights a major opportunity to invest in a leading AI company ahead of its public debut.

Everyone

Signals broader industry acceptance of AI despite ongoing controversies.

Glossary
capped-profit model
A corporate structure where profits beyond a certain threshold are reinvested or donated, limiting investor returns.
Sources · 1
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