Symbols

OPFI

OppFi·NYSE

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OPFI fundamentals

OPFI Q4 2025 Earnings

OppFi (OPFI) released its earnings on Mar 11, 2026: revenue was 159.25M (YoY +17.33%), missed estimates; EPS was 0.3 (YoY +30.43%), beat estimates.

Revenue / YoY

159.25M

+17.33%

EPS / YoY

0.3

+30.43%

Report date

Mar 11, 2026

OPFI Earnings Call Summary for Q4,2025

Revenue Growth: 13.2% YoY total revenue to $597 million, driven by Model 6 underwriting and 12% originations growth.
Profitability: Adjusted net income up 69% to $140 million, with 2026 guidance for 9-14% growth.
Model Innovation: Model 6.1 (Q2 2026) and Model 7.0 (Q3 2026) expected to enhance originations and risk management.
Strategic Initiatives: LOLA system migration and new line of credit product to expand market reach and efficiency.
Risk Management: Proactive monitoring of macroeconomic factors with risk-based pricing to maintain unit economics.

Earnings

EPS

Revenue

Revenue & Expenses

OPFI has released its 2025 Q4 earnings report, with revenue of 85.57M, reflecting a YoY change of 5.88%, and net profit of 38.44M, showing a YoY change of 175.13%. The Sankey diagram below clearly presents OPFI's revenue sources and cost distribution.

Key Indicators

OppFi (OPFI) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

OppFi (OPFI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

OppFi (OPFI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

OppFi (OPFI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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