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Oppfi Inc (OPFI)
:OPFI
Earnings Data
Report Date
Aug 12, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.3Last Year’s EPS
0.29Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 07, 2025
|% Change Since: 25.88%
|Next Earnings Date:Aug 12, 2025
Earnings Call Sentiment|Positive
The earnings call reflected a strong financial quarter for OppFi with record revenue and significant improvements in key metrics such as net charge-off rates and auto approval rates. The company demonstrated robust growth in originations and improved financial guidance, supported by strategic debt reduction and a special dividend. Despite these positives, there were concerns about macroeconomic uncertainties affecting small business lending and the need for continued operational efficiencies. Overall, the highlights significantly outweigh the lowlights.Company Guidance
During OppFi's first quarter 2025 earnings call, the company announced a record quarter with significant improvements across various metrics. The business achieved a 16% increase in originations and a 10% increase in revenue year-over-year. Adjusted net income rose by 285% to $34 million, up from $9 million, and adjusted earnings per share increased to $0.38 from $0.10. The net charge-off rate improved to 35% of revenue, down from 48% the previous year. Operational efficiencies also played a role, with the auto approval rate rising to 79% from 73% in Q1 2024. OppFi's strong financial performance is reflected in its updated guidance for 2025, with adjusted net income now expected to be between $106 million and $113 million, up from prior guidance of $95 million to $97 million, and adjusted earnings per share anticipated to range from $1.18 to $1.26.Record Financial Performance
OppFi achieved record quarterly revenue, adjusted net income, and operating margin. Revenue increased by 10% year-over-year to $140 million.
Strong Growth in Originations
Originations increased by 16%, with retained net originations growing by 11% year-over-year.
Improved Net Charge-off Rate
Net charge-off rate improved from 48% to 35% as a percentage of revenue, demonstrating better credit performance.
Increased Auto Approval Rate
Auto approval rate improved to 79% in Q1 2025, up from 73% in Q1 2024, enhancing operational efficiency.
Enhanced Financial Guidance
OppFi increased its full-year 2025 adjusted net income guidance to $106 million to $113 million, representing a 28% to 37% increase from 2024.
High Customer Satisfaction
OppLoans achieved an 80 NPS score and a CSAT score over 90%, maintaining high customer satisfaction levels.
Debt Reduction and Special Dividend
OppFi paid off corporate debt and issued a $21.7 million special dividend, reflecting strong financial health.
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, 2025 | $9.70 | $10.84 | +11.75% |
Mar 05, 2025 | $9.35 | $10.36 | +10.80% |
Nov 07, 2024 | $5.41 | $6.62 | +22.37% |
Aug 07, 2024 | $3.39 | $3.84 | +13.27% |
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, 2025, TBA Not Confirmed.
What is Oppfi Inc (OPFI) earnings time?
Oppfi Inc (OPFI) earnings time is at Aug 12, 2025, TBA Not 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 2025 (Q2) is 0.3.