Stonegate Capital Partners Updates 3Q25 Report on OppFi, Inc. (OPFI)

Rhea-AI Summary

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).

Positive

• Total revenue +13.5% y/y to $155.1M (quarterly record)
• Adjusted net income +41.0% y/y to $40.7M (quarterly record)
• Adjusted EPS rose to $0.46 from $0.33 prior-year
• Total net originations +12.5% y/y to $246.1M (record)
• Ending receivables +16.3% y/y to $481.0M
• Raised FY25 guidance to revenue $590–$605M and Adj. NI $137–$142M

Negative

• Reported net income aided by a $32.0M non-cash warrant fair value gain

Dallas, Texas--(Newsfile Corp. - October 30, 2025) - OppFi, Inc. (NYSE: OPFI) : Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OPFI reported revenue, adj. Net Income, and adj. EPS of $155.1M, $40.7M, and $0.46, respectively. This compares to our/consensus estimates of $155.2M/$153.4M, $27.4M/$28.9M, and $0.30/$0.32. Net revenue margin was 67.4% for the quarter, reflecting a year-over-year expansion of 70 bps from 3Q24. This quarter's strong performance was driven by yet another record total revenue of $155.1M, a 13.5% y/y increase, complimented by growth in originations from new customers, operating discipline, and scale benefits. Net income increased by 136.9% y/y to $75.9M, primarily due to lower expenses and a $32.0M non-cash gain from lower warrant fair value. Adjusted net income increased by 41.0% y/y to $40.7M, setting another new quarterly record for the Company. Adjusted EPS rose to $0.46, compared to $0.33 in the prior-year period. Adjusted net income margin expanded 520 bps y/y to 26.3%, reflecting operating discipline and scale benefits.

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Key Takeaways:

• Total revenue increased 13.5% y/y to $155.1M; Adjusted net income rose 41% y/y to a record $40.7M.
• Total net originations increased 12.5% y/y to a record $246.1M; ending receivables grew 16.3% to $481.0M.
• Raised FY25 outlook for the third straight quarter, guiding revenue to $590-$605M and Adjusted Net Income to $137-$142M (Adj. EPS $1.54-$1.60).

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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/272564

FAQ

What were OppFi (OPFI) results for 3Q25 including revenue and adjusted EPS?

OppFi reported 3Q25 revenue $155.1M and adjusted EPS $0.46.

How did OppFi (OPFI) originations and receivables change in 3Q25?

Total net originations rose 12.5% y/y to $246.1M and ending receivables increased 16.3% y/y to $481.0M.

Why did OppFi (OPFI) net income jump in 3Q25 to $75.9M?

Net income rose largely due to lower expenses and a $32.0M non-cash gain from lower warrant fair value.

What FY25 guidance did OppFi (OPFI) give on October 30, 2025?

OppFi raised FY25 guidance to revenue $590–$605M and adjusted net income $137–$142M (Adj. EPS $1.54–$1.60).

How did OppFi's (OPFI) margins change in 3Q25?

Net revenue margin expanded 70 bps y/y to 67.4% and adjusted net income margin widened 520 bps y/y to 26.3%.