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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
OppFi
OppFi (OPFI) investor relations material
OppFi Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary10 Nov, 2026
Platform and market
Tech-enabled digital finance platform partners with banks to serve everyday Americans lacking traditional credit options; mission centers on safer, simpler, more affordable credit and financial health.
48M Americans and 12M+ small businesses are underbanked; platform has facilitated $9.6B+ in gross loan issuance across 5.1M+ loans since inception.
Reported 11 consecutive years of positive net income and a 71 Q3 2026 NPS at loan approval.
Financial performance and resilience
Total revenue rose from $526M in FY 2023 to $606M in FY 2025 and $597M for LTM Q3 2026; stated CAGR was 6.5%.
Adjusted net income was $41M in FY 2023, $83M in FY 2024, $140M in FY 2025 and $116M for LTM Q3 2026; stated CAGR was 45.4%.
LTM Q3 2026 adjusted net income margin was 19.2%; annual figures were 8.2% in FY 2023, 15.7% in FY 2024 and 23.4% in FY 2025.
Across OppLoans product results, quarterly net charge-offs as a share of average receivables were 19% in Q3 2026; adjusted EBT margin was 26% that quarter, versus a 22.0% median across shown quarters.
Recoveries as a share of gross charge-offs rose to 17.9% in LTM Q3 2026 from 10.4% in FY 2023; net charge-offs as a share of revenue declined to 37.0% from 43.5%.
Balance sheet and shareholder returns
Adjusted ROA was 14.9% and adjusted ROE 32.2% for LTM Q3 2026; total debt / total equity declined from 1.72x in FY 2023 to 0.79x in Q3 2026.
Cumulative capital returned reached $403M by YTD 2026, equal to 362% of starting book value; cumulative total includes public-equityholder dividends and special member distributions.
Shareholder capital return was shown at 350%+ versus public indexes; the presented LTM P/E was 4.6x, using adjusted EPS for the valuation calculation.
Diluted EPS was $1.52 for LTM Q3 2026; adjusted EPS was $1.35 and adjusted net income was $116.2M for that period.
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Latest events from OppFi
- Lower Q3 earnings and higher charge-offs meet uncertain BNCC prospects and 2027 growth initiatives.OPFI
Q3 2026 - Record Q2 revenue and net income, but higher charge-offs led to reduced 2026 guidance.OPFIQ2 2026
- Strong growth, tech-driven underwriting, and BNCCORP acquisition position for national expansion.OPFIInvestor presentation
- Q1 net income surged 165%, with BNC acquisition and $40M buyback fueling future growth.OPFIQ1 2026
- Acquisition of BNCCORP creates a scalable, tech-driven national bank with strong financial upside.OPFIAcquisition presentation
- Annual meeting to vote on directors, executive pay, auditor, and say-on-pay frequency.OPFIProxy filing
- Annual meeting to vote on directors, executive pay, auditor, and governance matters; Board recommends all.OPFIProxy filing
- Raised 2025 guidance follows record profitability, tech-driven growth, and high customer satisfaction.OPFIInvestor presentation
- Record revenue and net income growth in 2025, with double-digit gains expected for 2026.OPFIQ4 2025
Next OppFi earnings date
Stephens Annual Investment Conference18 Nov, 2026
OppFi
Next OppFi earnings date
Stephens Annual Investment Conference18 Nov, 2026
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Frequently asked questions
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Their clients are online lenders that offer unsecured loans to their customers. The technology is built specifically for online lending by taking into account the need for speed, accuracy, and usability. With the current opening market opportunity of $350 million in traditional credit cards, OppFi intends to leverage its solution in acquiring further funding to achieve its vision of becoming an enterprise-wide solution for banks around the world.