What factors drove the changes in OppFi's revenue and profit?

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Did OppFi beat or miss consensus estimates last quarter?

What does OppFi do and what are its main business segments?

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What were the key takeaways from OppFi's earnings call?

What guidance did OppFi's management provide for the next earnings period?

- **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.

**【CEO Summary Section】**
- **Record 2025 Performance**: Total revenue grew 13.2% YoY to $597 million, adjusted net income increased 69% to $140 million, with a 78 Net Promoter Score.
- **Model 6 Impact**: Enhanced underwriting reduced risk, driving 8% YoY originations growth to $230 million in Q4 and 12% full-year originations growth to $899 million.
- **Model 6.1 & 7.0 Launches**: Model 6.1 (Q2 2026) expected to boost originations and reduce risk; Model 7.0 (Q3 2026) in development with early positive indicators.
- **LOLA System Migration**: Q3 2026 migration to new AI-enabled origination platform, expected to improve efficiency, automate approvals, and enable new product launches.
- **New Line of Credit Product**: Summer 2026 launch targeting new geographies with fair, transparent terms.

**【CFO Financial Commentary】**
- **Q4 2025 Results**: Revenue $159 million (+17% YoY), adjusted net income $26 million (+27% YoY), adjusted EPS $0.30 (+28% YoY).
- **Key Metrics**: Receivables up 16% to $493 million, stable 130% revenue yield, net charge-offs 45% of revenue (vs. 42% prior year).
- **Expense Efficiency**: Operating expenses 28% of revenue (vs. 33% prior year), interest expense 6% of revenue (vs. 8% prior year).
- **2026 Guidance**: Revenue $650-675 million (+9-13%), adjusted net income $153-160 million (+9-14%), adjusted EPS $1.76-1.84 (+11-16%).

**【Q&A Highlights】**
- **Macroeconomic Risks**: Monitoring inflation, gas prices, and consumer sentiment; risk-based pricing mitigates impact, early Q1 2026 indicators stable.
- **Model Evolution**: Model 6.1 reweights variables for better risk segmentation; Model 7.0 integrates latest data for improved predictions.
- **Capital Allocation**: Share buybacks ($5M in Q4), debt reduction, and strategic investments in AI, M&A, and new product development.
- **Bank Partner Confidence**: Increased bank retention in originations reflects trust in OppFi's servicing and underwriting capabilities.

OppFi Inc. (OPFI) Q4 2025 Earnings Call Transcript

- **Revenue Growth**: Q3 revenue up 14% YoY to $155M, driven by AI-powered originations and risk-based pricing.
- **Profit Expansion**: Adjusted net income surges 41% to $41M, with expenses optimized to 30% of revenue.
- **Strategic Moves**: Renewed credit facility, share buybacks, and Bitty investment diversify growth engines.
- **AI Leadership**: Model 6.1 refit enhances risk pricing, while Connected TV tests 2026 growth channels.
- **Guidance Raise**: Full-year adj. net income raised to $137M-$142M, reflecting double-digit growth confidence.

**【CEO Summary Section】**
- **Record Q3 Performance**: Revenue of $155M (+14% YoY), adjusted net income $41M (+41% YoY), and 12.5% growth in net originations.
- **AI-Driven Growth**: Auto approval rates at 79%, with Model 6.1 refit improving risk segmentation and pricing accuracy.
- **Strategic Renewals**: Credit agreement with Castlelake enhanced operating leverage and capacity.
- **Bitty Investment**: $1.4M equity income from SMB lending platform, targeting underserved markets.
- **Guidance Update**: Full-year revenue raised to $590M-$605M, adjusted net income to $137M-$142M.

**【CFO Financial Commentary】**
- **Revenue & Profitability**: $155M revenue (+14% YoY), 30% expense-to-revenue ratio (down from 33%), and $76M GAAP net income.
- **Cost Management**: Interest expense reduced to 6% of revenue via debt refinancing and $150M credit facility.
- **Share Buybacks**: Repurchased 1.03M shares ($10.6M) in Q3, reflecting confidence in undervaluation.
- **Balance Sheet Strength**: $75M cash, $600M funding capacity, and $277M stockholders' equity.

**【Q&A Highlights】**
- **Credit Dynamics**: Charge-offs stable at 35% of revenue, with risk-based pricing mitigating macro risks.
- **Marketing Innovation**: Testing Connected TV and direct mail for 2026 growth, with direct mail at 4.2% of originations.
- **Scalability**: LOLA migration to reduce cycle times and enable AI tool integration.
- **Capital Allocation**: Prioritizing share buybacks and M&A, with $321M debt and $204M unused capacity.

OppFi Inc. (OPFI) Q3 2025 Earnings Call Transcript

- **Record Q2 Growth**: 13% revenue ($142M), 59% net income ($39M), 14% originations growth.
- **Model 6 Efficiency**: 32% charge-off rate, 136% yield, 80% auto approval rate.
- **Updated Guidance**: 10-15% revenue growth, 51-57% net income increase for 2025.
- **Strategic Initiatives**: LOLA rollout, Bitty expansion, 20% margin target.
- **Financial Strength**: $78M cash, 39% expense ratio, 16% net revenue margin.

**【CEO Summary Section】**
- Q2 2025 was a record quarter with 14% year-over-year increase in total net originations, 13% revenue growth, and 59% rise in adjusted net income.
- Model 6 underwriting improved net charge-off rate to 32% of revenue (from 33% YoY), driving profitability.
- Auto approval rate reached 80%, up from 76% in Q2 2024, boosting customer experience and originations.
- Launched new loan origination system (LOLA) to enhance efficiency and AI integration; migrating to LOLA over next 6 months.
- Bitty subsidiary added accretive profitability, capitalizing on small business lending demand.
- Updated full-year 2025 guidance: revenue $578M-$605M (10-15% growth), adjusted net income $125M-$130M (51-57% growth), adjusted EPS $1.39-$1.44.

**【CFO Financial Commentary】**
- Q2 2025 total revenue $142M (13% YoY), net revenue $100M (16% growth), adjusted net income $39M (59% increase).
- GAAP net income $11M (down 59% YoY) due to $33M non-cash warrant valuation expense.
- Operating expenses 39% of revenue (down from 45% YoY), interest expense 7% of revenue (down from 9% YoY).
- Average yield reached record 136% (up 130bps YoY), driven by Model 6's risk-based pricing.
- Balance sheet strength: $78M cash, $306M debt, $218M equity, $603M funding capacity.

**【Q&A Highlights】**
- Target long-term operating margin of 20%, achieved through disciplined underwriting and cost control.
- Average loan size increased $100 YoY, reflecting inflation-adjusted origination limits ($4,000 to $5,000).
- Charge-off rate stable at 32% of revenue, with focus on long-term credit quality over short-term volatility.
- Recoveries up 27% YoY to $10.7M, demonstrating improved collections efficiency.
- Considering stock buybacks if share price undervalued; exploring adjacent market opportunities like Earned Wage Access.

OppFi Inc. (OPFI) Q2 2025 Earnings Call Transcript

- **Record Q1 Performance**: $140M revenue (+10%), $34M adj net income (+285%), and 35% net charge-off rate (vs. 48% YoY).\n- **Model 6 Success**: 79% auto-approvals drive 44% net revenue growth; 136% yield (up 630bps).\n- **Dividend Flexibility**: $21.7M special dividend vs. long-term capital deployment options.\n- **2025 Guidance**: Adj net income $106-113M (prev $95-97M), adj EPS $1.18-1.26.\n- **Growth Catalysts**: Consumer POS adjacencies, SMB lending expansion, and AI-driven efficiency.

**【CEO Opening Remarks】**
- Q1 2025 was a record quarter with 10% YoY revenue growth ($140M), 16% originations growth ($189M), and 285% increase in adjusted net income ($34M).\n- Model 6 improved net charge-off rate to 35% of revenue (vs. 48% prior year) and auto-approval rate to 79% (vs. 73% YoY).\n- Special dividend of $21.7M paid in Q2, with $91M cash on hand and $237M unused debt capacity.\n- 2025 guidance updated: adjusted net income $106-113M (prev $95-97M), adj EPS $1.18-1.26 (prev $1.06-1.07).\n\n**【CFO Financial Highlights】**\n- GAAP revenue: $140M (+10% YoY).\n- Net originations: $189M (+16% YoY).\n- Operating expenses: $38M (-18% YoY) due to 79% auto-approvals.\n- Yield: 136% (up 630bps YoY).\n- Adjusted net income: $34M (+285% YoY).\n- Cash balance: $91M; total debt: $288M.\n\n**【Q&A Key Takeaways】**\n1. **Macro Resilience**: Consumer demand stable despite tariffs; SMB customers using short-term Bitty loans to hedge risk.\n2. **Capital Allocation**: Maintaining flexibility for high-ROI inorganic growth vs. regular dividends.\n3. **Growth Drivers**: Expanding marketing channels, testing new direct response initiatives, and exploring consumer POS adjacencies.\n4. **Cost Efficiency**: Auto-approval rate up 5.2% YoY; AI investments focused on customer experience, not layoffs.\n5. **2025 Outlook**: Q2 tracking positive; expect continued momentum in originations and profitability.

OppFi (OPFI)-7 May 25-2025 Q1 Earnings call transcript

- **Revenue milestone**: Q4 2024 total revenue of $135.7 million, up 2.1% YoY, with full-year 2024 exceeding guidance at $526 million.
- **AI efficiency leap**: Auto-approval rate hits 79.5%, driving 23% YoY net revenue growth and reducing charge-offs by 450 basis points.
- **2025 guidance upgrade**: Revenue growth of 7%-13%, adjusted EPS of $1.06-$1.07, with less seasonal volatility due to refined credit models.
- **Debt-free flexibility**: $30 million debt paid down in Q1 2025, enabling strategic investments in growth and shareholder returns.


**【CEO Summary Section】**
- **Record financial performance**: Q4 2024 total revenue reached $135.7 million, up 2.1% YoY, with net revenue growing 22.9% to $80.8 million. Full-year 2024 revenue exceeded guidance at $526 million, up 3.3% YoY.
- **AI-driven efficiency**: Auto-approval rate rose to 79.5% in Q4 2024 (vs. 73% in Q4 2023), reducing human intervention and improving funnel metrics. Model 6 enhanced credit risk assessment, lowering net charge-off rates by 10% YoY.
- **2025 growth outlook**: Guidance for 2025 revenue of $563-$594 million (7%-13% YoY growth) and adjusted EPS of $1.06-$1.07, driven by improved credit quality, yield stabilization, and reduced seasonality.
- **Strategic initiatives**: Expansion of Bitty (small business financing) and direct response marketing to target high-quality borrowers. Debt extinguished ahead of schedule, with $30 million paid down in Q1 2025.

**【CFO Financial Commentary】**
- **Profitability surge**: Adjusted net income more than doubled to $20.3 million in Q4 2024 (vs. $8.4 million prior year), with full-year 2024 adjusted EPS at $0.95 (vs. $0.49). 
- **Cost optimization**: Operating expenses as a percentage of revenue declined to 33.2% in Q4 2024, down 60 basis points YoY. Interest expense improved to 8.1% of revenue (vs. 9.1% prior year).
- **Balance sheet strength**: $88.3 million in cash at year-end and $613 million in total funding capacity. Debt reduced by $30 million in Q1 2025, reflecting financial discipline.

**【Q&A Key Takeaways】**
- **Macroeconomic resilience**: Model 6 better predicts long-term credit risk, reducing sensitivity to economic volatility. Q1 2025 adjusted net income guidance increased by over 2x due to strong early performance.
- **Marketing success**: Risk-based pricing and targeted campaigns drove 8.8% YoY growth in new customer originations with improved credit quality. Automation reduces customer friction, boosting satisfaction and conversion rates.
- **Capital allocation**: Prioritize high ROI initiatives (AI, marketing), accretive acquisitions (e.g., Bitty), and shareholder returns (buybacks/dividends). $100+ million in 2025 free cash flow will fund growth and flexibility.


OppFi (OPFI)-5 Mar 25-2024 Q4 Earnings call transcript

OppFi (OPFI)-7 Nov 24-2024 Q3 Earnings call transcript

OppFi Inc - Ordinary Shares (OPFI)-7 Aug 24-2024 Q2 Earnings call transcript

OppFi Inc - Ordinary Shares (OPFI)-8 May 24-2024 Q1 Earnings call transcript

OppFi Inc - Ordinary Shares (OPFI)-7 Mar 24-2023 Q4 Earnings call transcript

OppFi (OPFI)-9 Aug 23-2023 Q2 Earnings call transcript

- **Revenue Growth**: 19.5% YoY to $120.4 million, driven by improved credit performance and cost efficiency.
- **Credit Improvement**: Net charge-off rate as a percentage of revenue down 11 percentage points to 48.9%, with sequential recoveries doubling to $6.4 million.
- **Profitability**: Adjusted net income up 667% YoY to $4.4 million; EBITDA up 78% to $20.1 million.
- **Guidance Raise**: Full-year adjusted net income raised to $24-30 million (prev. $22-28 million), reflecting confidence in 10-15% revenue growth.
- **Strategic Focus**: Emphasis on low-risk origination channels and operational efficiency, with marketing cost per loan down 9% YoY.

**【CEO Opening Remarks】**
- Q1 2023 results exceeded guidance, with adjusted net income of $4.4 million (vs. $0.01 million in Q1 2022) and 19.5% revenue growth to $120.4 million.
- Credit performance improved: first payment default rate down 20% YoY, total delinquency rate down 3% YoY, and net charge-off rate as a percentage of revenue improved to 48.9% (from 59.8% in Q4 2022).
- Strategic focus on profitable growth through credit tightening, with marketing cost per loan down 9% YoY and expenses as a percentage of revenue down 8 percentage points.
- Full-year guidance raised: adjusted net income now $24-30 million (vs. $22-28 million) and EPS $0.28-0.35 (vs. $0.26-0.33).

**【CFO Financial Commentary】**
- GAAP net income: $3.9 million; Non-GAAP adjusted EBITDA: $20.1 million (78% YoY increase).
- Net charge-off rate as a percentage of average receivables: 61.8% (vs. 55.8% in Q1 2022), with sequential improvement expected.
- Operating expenses: $53.5 million (44.4% of revenue), driven by lower marketing spend and higher interest rates on credit facilities.
- Balance sheet strength: $71.4 million cash, $331.6 million debt, and $546.4 million funding capacity.

**【Q&A Highlights】**
- **Macro Environment**: Low unemployment supports repayment trends; cautious on high-risk segments but seeing growth in dependable channels.
- **Competitive Edge**: Tighter credit models and lower acquisition costs give advantage over peers; value-based recovery strategy doubled year-over-year recoveries to $6.4 million.
- **Product Updates**: SEO and direct referral channels driving low-cost growth; no changes to loan duration to mitigate interest rate risk.
- **Funding Stability**: No exposure to troubled banks; strong relationships with liquidity partners.
- **Guidance Rationale**: Q1 outperformance and confidence in credit model improvements justify raised targets.


Actual	0.21	0.21	0.13	0.01	0.08	-0.04	-0.22	0.02	0.14	0.13	0.1	0.1	0.29	0.33	0.23	0.38	0.45	0.46	0.3
Forecast	0.1533	0.154	0.136	0	0.06	-0.06	-0.115	-0.01	0.04	0.063	0.0797	0.05	0.15	0.21	0.1467	0.2533	0.295	0.32	0.2825
Surprise	+36.99%	+36.36%	-4.41%	0.00%	+33.33%	+33.33%	-91.30%	+300.00%	+250.00%	+106.35%	+25.47%	+100.00%	+93.33%	+57.14%	+56.78%	+50.02%	+52.54%	+43.75%	+6.19%

OPFI

OPFI fundamentals

OPFI Q4 2025 Earnings

Earnings Call

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OPFI

OPFI fundamentals

OPFI Q4 2025 Earnings

Earnings Call

OPFI Earnings Call Summary for Q4/20259:00 AM on Mar 11, 2026

OPFI Earnings Call Summary for Q3/20259:00 AM on Oct 29, 2025

OPFI Earnings Call Summary for Q2/20259:00 AM on Aug 6, 2025

OPFI Earnings Call Summary for Q1/20259:00 AM on May 7, 2025

OPFI Earnings Call Summary for Q4/20249:00 AM on Mar 5, 2025

You can ask Aime