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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?

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

What is OppFi's latest dividend and current dividend yield?

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Did OppFi beat or miss consensus estimates last quarter?

- **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

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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