OppFi Inc Stock Price, News & Analysis

OppFi (NYSE: OPFI) reported 3Q25 revenue $155.1M, a 13.5% year-over-year increase and a quarterly record. Adjusted net income rose 41.0% y/y to $40.7M and adjusted EPS increased to $0.46. Net income was $75.9M, helped by a $32.0M non-cash gain from lower warrant fair value. Net revenue margin expanded 70 bps y/y to 67.4%, and adjusted net income margin widened 520 bps to 26.3%. Total net originations climbed 12.5% y/y to $246.1M, ending receivables rose 16.3% to $481.0M. Management lifted FY25 guidance, targeting revenue $590–$605M and adjusted net income $137–$142M (Adj. EPS $1.54–$1.60).

OppFi (NYSE: OPFI) reported record third-quarter results for the period ended September 30, 2025: total revenue $155.1M (+13.5% YoY), net income $75.9M (+136.9% YoY), and adjusted net income $40.7M (+41.4% YoY). Key metrics: total net originations $246.1M (+12.5%), ending receivables $481.0M (+16.3%), and auto-approval rate 79.1%.

Management raised full-year 2025 guidance to $590M–$605M revenue, $137M–$142M adjusted net income, and $1.54–$1.60 adjusted EPS (approx. 89M diluted shares). A conference call was scheduled for Oct 29, 2025 at 9:00 a.m. ET.

OppFi (NYSE: OPFI) will report third quarter 2025 financial results before the market open on Wednesday, October 29, 2025. Management will host a conference call and webcast on October 29, 2025 at 9:00 a.m. ET to discuss results and business outlook. Investors can join the live webcast at investors.oppfi.com or dial in: Domestic (800) 267-6316, International (203) 518-9783, Conference ID OPPFI. An archived version of the webcast will be available on the company's investor website after the call.

OppFi (NYSE:OPFI), a tech-enabled digital finance platform, has secured a new $150 million revolving credit facility through its subsidiary with funds managed by Castlelake L.P. The facility, which replaces a previous one, features a four-year term and includes improved financing terms with an interest rate reduction from SOFR + 7.5% to SOFR + 6.0%.

The new credit facility aims to support OppFi's receivables growth and advance its mission of providing credit access to underserved Americans. CEO Todd Schwartz highlighted that this transaction demonstrates the strength and sustainability of the company's business model.

OppFi (NYSE: OPFI), a tech-enabled digital finance platform, announced a $20 million increase to its share repurchase program, bringing the total authorization to $40 million. The company has already repurchased approximately 1.4 million shares for $7.6 million, including 390,000 shares in Q3 2025.

CEO Todd Schwartz stated that the stock trades at a significant discount to its intrinsic value, and the expanded buyback reflects confidence in OppFi's long-term growth prospects. With this increase, OppFi has approximately $32.4 million remaining capacity under the repurchase authorization.

OppFi (NYSE: OPFI), a tech-enabled digital finance platform, has published supplemental information about its outstanding warrants to purchase Class A common stock. CEO Todd Schwartz highlighted that with warrants approaching expiration within a year, this disclosure aims to help investors evaluate potential impacts on the company's capital structure, including a possible significant capital infusion if warrants are exercised.

The company, which partners with banks to provide financial products to underserved Americans, maintains a 4.5/5.0 star rating on Trustpilot from over 4,900 reviews. OppFi also holds a 35% equity interest in Bitty Holdings, a company providing revenue-based financing to small businesses. The supplemental warrant information is available on OppFi's Investor Relations website and in an SEC Form 8-K filing.

OppFi (NYSE: OPFI), a tech-enabled digital finance platform, reported record Q2 2025 results with total revenue increasing 12.8% year-over-year to $142.4 million. The company achieved a record adjusted net income of $39.4 million, up 59.0% year-over-year, despite GAAP net income declining 58.5% to $11.5 million.

Key operational metrics showed improvement with average yield reaching 136.1% and net charge-off rate decreasing to 31.9%. The company's Model 6 drove growth while maintaining risk standards, achieving a record 80% auto-approval rate with strong customer satisfaction.

Based on strong performance, OppFi raised its full-year 2025 guidance, projecting revenue of $578-605 million and adjusted net income of $125-130 million, up from previous guidance of $563-594 million and $106-113 million respectively.

OppFi (NYSE: OPFI), a tech-enabled digital finance platform, announced that CFO Pam Johnson will present at the Oppenheimer 28th Annual Technology, Internet & Communications Virtual Conference on August 12, 2025 at 3:45 p.m. ET.

The presentation will be accessible via webcast at the company's website and will remain archived for 90 days. OppFi partners with banks to provide financial products to underserved Americans and maintains a 4.5/5.0 star rating on Trustpilot from over 4,900 reviews. The company also holds a 35% equity interest in Bitty Holdings, which provides financing solutions to small businesses.

OppFi Inc. (NYSE: OPFI), a tech-enabled digital finance platform, has scheduled its second quarter 2025 earnings conference call for August 6, 2025, at 9:00 a.m. ET. The company will release its financial results before the market opens on the same day.

Investors can access the conference call through the company's website at investors.oppfi.com or by dialing (800) 343-4136 (domestic) or (203) 518-9843 (international) using the Conference ID: OPPFI. An archived version of the webcast will be available on the company's website after the call.