OppFi earnings surpass expectations but revenue falls short

Chicago - Wednesday, OppFi Inc. (NYSE:OPFI) announced its fourth quarter adjusted earnings per share of $0.30, beating analyst expectations of $0.29 by about $0.01, but revenue was $159.25 million, below the expected $160.13 million. Revenue increased 17.3% year-over-year from $135.72 million.

Following the earnings release, the company’s stock rose slightly by 0.98% in pre-market trading.

The digital financial platform issued guidance for fiscal year 2026, expecting adjusted earnings per share between $1.76 and $1.84, with a median of $1.80, surpassing analyst expectations of $1.74.

The company projects full-year revenue of $650 million to $675 million, with a median of $662.5 million, slightly below the consensus estimate of $663 million.

For 2025, OppFi reported record-breaking results, with revenue reaching $597.05 million, a 13.5% increase from $525.96 million in the same period last year. Adjusted net income was $139.76 million, up 69.1% from $82.67 million in 2024. Adjusted earnings per share rose from $0.95 to $1.59, a 66.6% increase year-over-year.

OppFi CEO and Chairman Todd Schwartz stated, “Our record-breaking performance in 2025 marked a remarkable year for the company, with record total loans, revenue, net income, and adjusted net income.”

As of the end of 2025, accounts receivable stood at $493.12 million, up from $425.24 million a year earlier. Total net loans originated for the year reached $899.27 million, compared to $801.51 million in 2024.

During 2025, OppFi repurchased 1,541,949 Class A common shares at an average price of $10.04 per share, totaling $15.5 million. As of December 31, 2025, there was still $20.9 million available under the repurchase authorization.

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