Stonegate Capital Partners Updates 1Q25 Report on OppFi, Inc. (OPFI)

Rhea-AI Summary

OppFi (NYSE: OPFI) has reported exceptional first quarter 2025 results, marking significant growth across key metrics. The company achieved record total revenue of $140.3M, representing a 10.1% year-over-year increase. Notable achievements include a 101.3% surge in net income to $20.4M and a remarkable 285.1% jump in adjusted net income to $33.8M, both setting new quarterly records. The company's adjusted EPS reached $0.38, significantly higher than $0.10 in the prior year period. Net revenue margin expanded by 1,100 basis points year-over-year to 64.7%. Total net originations grew 16% year-over-year to $189.2M. These strong results reflect OppFi's successful implementation of algorithmic credit decisioning, operational efficiency initiatives, and disciplined expense management.

Positive

• Record quarterly revenue of $140.3M, up 10.1% year-over-year
• Net income surged 101.3% year-over-year to record $20.4M
• Adjusted net income increased 285.1% to record $33.8M
• Net revenue margin expanded significantly by 1,100 basis points to 64.7%
• Total net originations grew 16% year-over-year to $189.2M
• Adjusted EPS increased substantially from $0.10 to $0.38

Negative

• None.

News Market Reaction

+7.10%

1 alert

+7.10% News Effect

On the day this news was published, OPFI gained 7.10%, reflecting a notable positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Dallas, Texas--(Newsfile Corp. - May 8, 2025) - OppFi, Inc. (NYSE: OPFI) : Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OPFI reported revenue, adj. Net Income, and adj. EPS of $140.3M, $33.8M, and $0.38, respectively. This compares to our/consensus estimates of $141.5M/$137.7M, $23.4M/$22.5M, and $0.26/$0.25. Net revenue margin was 64.7% for the quarter, reflecting a year-over-year expansion of 1,100 bps from 1Q24. This quarter's strong performance was driven by record total revenue of $140.3M, a 10.1% y/y increase, alongside significant improvements in profitability. Net income grew by 101.3% y/y to $20.4M, while adjusted net income surged 285.1% y/y to $33.8M--both setting new quarterly records for the Company. Adjusted EPS rose to $0.38, compared to $0.10 in the prior-year period. The Company also expanded its adjusted net income margin to 24.1%, up from 6.9% in1Q24. These results highlight the benefits of OppFi's ongoing focus on algorithmic credit decisioning, operational efficiency, and disciplined expense management.

To view the full announcement, including downloadable images, bios, and more, click here.

Key Takeaways:

• Net income rose 101% y/y to a record $20.4M, while adjusted net income jumped 285% to $33.8M.
• Net revenue margin expansion of 1,100 bps year-over-year.
• Total net originations for 1Q25 rose 16% y/y to $189.2M.

Click image above to view full announcement.

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About Stonegate
Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Our affiliate, Stonegate Capital Markets (member FINRA) provides a full spectrum of investment banking services for public and private companies.

Contacts:

Stonegate Capital Partners
(214) 987-4121
info@stonegateinc.com

Source: Stonegate, Inc.

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/251291

FAQ

What were OppFi's (OPFI) Q1 2025 earnings results?

OppFi reported strong Q1 2025 results with revenue of $140.3M, net income of $20.4M, and adjusted EPS of $0.38, significantly exceeding both company and consensus estimates.

How much did OPFI's net income grow in Q1 2025?

OppFi's net income grew 101.3% year-over-year to $20.4M, while adjusted net income increased 285.1% to $33.8M, both setting new quarterly records.

What was OppFi's net revenue margin in Q1 2025?

OppFi's net revenue margin was 64.7% in Q1 2025, representing a significant expansion of 1,100 basis points from Q1 2024.

What drove OppFi's strong performance in Q1 2025?

OppFi's strong performance was driven by algorithmic credit decisioning, operational efficiency improvements, and disciplined expense management.

How much did OPFI's loan originations grow in Q1 2025?

OppFi's total net originations grew 16% year-over-year to $189.2M in Q1 2025.