Oppfi Inc (OPFI)
NYSE:OPFI
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Earnings Data
Report Date
Aug 12, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.46Last Year’s EPS
0.45Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a largely positive strategic outlook: solid revenue (+8% YoY), stronger receivables (~+9%), robust free cash flow ($69M), a transformational bank acquisition with significant expected funding and synergy benefits, and meaningful product/tech upgrades via LOLA that should improve efficiency and product velocity. However, near-term credit pressure (higher net charge-offs and lower yield), a 7% decline in originations, and heavy near-term investment spend create tangible short-term headwinds to profitability. Overall, management emphasizes long-term value creation and appears confident in the strategic path despite current macro and credit challenges.Company Guidance
Revenue Growth
Total revenue of $152 million in Q1 2026, an 8% increase year-over-year, driven largely by higher receivables.
Receivables Expansion
Receivables ended the quarter at approximately $445 million, up ~9% year-over-year (management also referenced a 9.4% increase in commentary).
Strong Free Cash Flow and Capital Allocation
Generated $69 million of free cash flow in Q1 2026; repurchased 1 million shares for $9.9 million during the quarter and announced a new $40 million share repurchase program; total funding capacity of $625 million, including $241 million of unused debt capacity.
Transformative BNC Acquisition
Announced acquisition of BNCC Corp / BNC National Bank in a transaction valued at ~ $130 million; BNC brings >$1 billion in assets and ~ $1 billion in deposits (over 80% of deposits cost <2%). Company expects adjusted EPS accretion of at least 25% in year 1, 40% in year 2 and 50% in year 3 post-close, and synergy-driven adjusted EPS contribution of at least $60M in year 1, $90M in year 2 and >$115M in year 3. Acquisition expected to enable geographic expansion (from ~40 to potentially all 50 states) and lower funding costs.
Corporate Simplification and Tax Benefit
Transitioned from an Up-C structure to a traditional C corp, terminated the tax receivable agreement and recorded approximately $466 million of tax-amortizable goodwill, expected to yield roughly $111 million of future cash tax savings (subject to change).
LOLA Platform Deployment and Product Innovation
Model 6.1 refit fully deployed; Model 7 expected in fall. LOLA origination and servicing system migration began in Q2 with substantial completion expected in Q3 2026. Early improvements include auto-approval rate increasing from 78.6% to 79.2% YoY; management expects ~50% reduction in cycle time to get product enhancements to market and faster approvals. New line-of-credit product planned for summer 2026.
Expense Discipline
Total operating expenses were 34% of total revenue in Q1 2026, flat year-over-year, indicating maintained cost control despite investments.
Improved Recoveries
Recoveries increased 38% versus the prior year quarter, helping to offset higher defaults.
OPFI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
OPFI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 07, 2026 | $9.75 | $9.89 | +1.44% |
Mar 11, 2026 | $9.20 | $8.66 | -5.87% |
Oct 30, 2025 | $10.37 | $9.62 | -7.23% |
Aug 06, 2025 | $9.99 | $11.33 | +13.41% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Oppfi Inc (OPFI) report earnings?
Oppfi Inc (OPFI) is schdueled to report earning on Aug 12, 2026, After Close (Confirmed).
What is Oppfi Inc (OPFI) earnings time?
Oppfi Inc (OPFI) earnings time is at Aug 12, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is OPFI EPS forecast?
OPFI EPS forecast for the fiscal quarter 2026 (Q2) is 0.46.