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OppFi (OPFI) investor relations material
OppFi Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Achieved record quarterly revenue of $155.1 million, up 13.5% year-over-year, and record net income of $75.9 million, up 136.9% year-over-year for Q3 2025.
Adjusted net income reached $40.7 million, a 41.4% increase year-over-year, with a margin of 26.3%.
Total net originations grew 12% year-over-year to $246.1 million, with nearly 50% from new customers and ending receivables up 16% to $481.0 million.
Auto-approval rates improved to 79.1% year-over-year, enhancing operating efficiency.
Maintained 10 consecutive years of positive net income and strong customer satisfaction with a 76 NPS score.
Financial highlights
Q3 2025 total revenue: $155.1 million (up 13.5% year-over-year); net income: $75.9 million (up 136.9%); adjusted net income: $40.7 million (up 41.4%).
Adjusted EPS for Q3 2025 was $0.46 (up 39.1% year-over-year); basic EPS $1.48; diluted EPS $0.77.
Net charge-offs as a percentage of revenue rose to 35% from 34% year-over-year.
Total expenses as a percentage of revenue decreased to 36.2%, with operating expense margin improving by 490 bps year-over-year.
Free cash flow for the first nine months of 2025 was $66.1 million.
Outlook and guidance
Full-year 2025 revenue guidance raised to $590–$605 million, adjusted net income to $137–$142 million, and adjusted EPS to $1.54–$1.60.
Guidance raised for the third time in 2025 due to continued outperformance.
Anticipates continued double-digit revenue and adjusted net income growth through 2025 and into 2026.
Explain Model 6.1's role in mitigating volatility.
Impact of risk-based pricing on charge-offs?
Strategy for funding receivables growth?
What specific early credit indicators caused tightening?
LOLA's impact on future operating leverage?
What is the strategy for sustained double-digit growth?
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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.
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