OppFi's Efficiency and Growth Amidst Turbulent Credit Cycles: Can it Continue?
ByAinvest
Tuesday, Jan 13, 2026 11:54 am ET1min read
OPFI--
OppFi (OPFI) reported a 79.1% auto-approval rate in Q3 2025, up 230 bps YoY, driven by its AI-powered credit assessment technology, Model 6. The company's revenues rose 13.5% YoY to $155 million, and net income soared 136.9% YoY. OppFi aims to maintain efficiency through the Model 6.1 refit and the Loan Origination Lending Application (LOLA) migration in Q1 2026. The stock has lost 4.8% in a year, compared to a 4.6% dip in its industry and a 23.4% return for the Zacks S&P 500 Composite.
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