OPFI
OppFi Inc.10.96
+0.29+2.72%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Marketing levers, credit details surface
Q&A drilled into marketing levers, with direct mail at 4.2% of originations and scaling methodically to double-digits, plus early Connected TV tests promising brand lift and growth into 2026. Management tackled credit worries directly: early payment stats prompted tightening, no bank data alarms despite macro noise, Q4 charge-offs up but YoY down as percentage of revenue. Credit is tougher. Yields stable with seasonal Q4 rebound expected; recoveries sustainable. OpEx scales variably via LOLA, buybacks top capital priority amid M&A scan. Tone confident on double-digit 2026 growth if credit cooperates; watch dynamic pricing and levers.
Key Stats
Market Cap
956.88MP/E (TTM)
156.57Basic EPS (TTM)
0.07Dividend Yield
0%Recent Filings
10-Q
Q3 FY2025 results
OppFi posted solid Q3 momentum, with revenue up 13.5% y/y to $155.1M from higher average receivables, while net revenue climbed 14.7% y/y to $104.6M despite fair value changes ticking up 11.2% y/y to $50.5M. Operating income jumped 38.1% y/y to $48.4M as expenses held flat y/y at $56.1M. Diluted EPS attributable to OppFi fell to $0.77 from $0.21 due to if-converted dilution from Class V shares (88.2M vs 20.2M diluted shares). Cash and equivalents stood at $75.2M with $320.8M senior debt (mostly revolving at SOFR+6-7.75%, maturities 2026-2029) and $204M undrawn capacity; operating cash flow YTD hit $284M. California DFPI litigation lingers.
8-K
OppFi hits Q3 records
OppFi smashed Q3 records with $155.1 million in revenue, up 13.5% year over year, and net income soaring 136.9% to $75.9 million, fueled by 12.5% higher net originations and ending receivables at $481.0 million. Auto-approval rates climbed to 79.1%, boosting efficiency while charge-offs ticked up slightly to 35.1% of revenue. The company raised full-year guidance to $590–$605 million revenue and $1.54–$1.60 adjusted EPS. Economic volatility looms as a key risk.
8-K
OppFi secures cheaper credit facility
OppFi closed a new $150 million revolving credit facility on September 29, 2025, replacing its prior agreement and slashing the interest rate from SOFR + 7.5% to SOFR + 6.0%, with a four-year term to 2029. The deal repaid $79 million in outstanding debt without penalties, freeing up capital while imposing borrowing base limits and covenants like minimum tangible net worth. This bolsters receivables growth amid economic pressures. Yet covenants tighten financial flexibility.
8-K
OppFi expands buyback program
OppFi Inc. boosted its share repurchase program by $20 million on August 26, 2025, lifting total authorization to $40 million after already buying back 1.4 million shares for $7.6 million. This leaves $32.4 million in remaining capacity through April 2027, signaling management's view that the stock undervalues the company's growth potential. Yet repurchases hinge on market conditions. The move pairs with forward-looking optimism amid economic risks like inflation and regulatory hurdles.
8-K
OppFi details warrant impacts
OppFi released supplemental info on its warrants, expiring in a year, to spotlight their role in the capital structure. Full cash exercise could inject $179.5 million, fueling growth like acquisitions or debt reduction. Warrants dilute both stockholders and unitholders equally. Yet risks from economic pressures loom large.
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