OppFi (OPFI)
NYSE:OPFI
Earnings Data
Report Date
May 13, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.34Last Year’s EPS
0.38Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized multiple strong operating and financial outcomes: record revenues, sizable increases in GAAP and adjusted net income, improved yields, materially lower operating expense ratios, strengthened liquidity and capacity, and constructive 2026 guidance. Management acknowledged credit stress from summer vintages that temporarily raised Q4 net charge-offs and flagged macro risks (inflation/gas prices) and partner retention nuances as items to monitor, but outlined clear remediation and upgrade plans (Model 6.1, Model 7.0, LOLA, targeted marketing and risk-based pricing). On balance, positive operational and financial momentum and explicit remediation plans outweighed the near-term credit headwinds.Company Guidance
Record Revenue and Strong Full-Year Growth
Total revenue for fiscal 2025 was $597,000,000, up 14% year over year; full-year revenue yield increased to 133% from 131%.
Material Improvement in Profitability
GAAP net income increased to $146,000,000 from $84,000,000 in 2024; adjusted net income rose to $140,000,000 from $83,000,000; adjusted EPS grew to $1.59 from $0.95.
Fourth-Quarter Records and QoQ Strength
Q4 revenues were $159,000,000, up 17% year over year; Q4 adjusted net income was a record $26,000,000 (up 27% YoY) and adjusted EPS was $0.30 (up 28% YoY).
Originations and Receivables Expansion
Full-year originations grew 12% to $899,000,000; Q4 originations were $230,000,000 (up 8% YoY); ending receivables increased 16% to $493,000,000.
Improved Unit Economics and Yield Management
Management highlighted benefits from Underwriting Model 6 (and planned Model 6.1/7.0), enabling risk-based pricing and larger loans for higher-quality borrowers; stable Q4 revenue yield of 130% and full-year average yield of 133%.
Operating Expense and Interest Cost Improvements
Total expenses before interest declined to 28% of revenue in Q4 from 33% a year ago (full-year: 29% vs 35%); interest expense fell to 6% of revenue from 8% YoY after debt paydowns and facility upsizing.
Product & Tech Investments — LOLA and New Product Pipeline
LOLA (new origination/servicing system) build and test complete, QA ongoing with substantial migration planned for Q3 2026; new line-of-credit product expected to launch in 2026 to expand product set and geographies.
Strong Liquidity, Capital Actions, and Capacity
Quarter-end cash and equivalents of $93,000,000, total funding capacity of $618,000,000 (including $204,000,000 unused debt capacity), repurchased 515,000 shares for $5,000,000; management expects continued solid free cash flow.
Positive 2026 Guidance
Management guided 2026 total revenues of $650M–$675M (+9% to +13%), adjusted net income $153M–$160M (+9% to +14%), and adjusted EPS $1.76–$1.84 (+11% to +16%).
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 |
|---|---|---|---|
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% |
May 07, 2025 | $9.70 | $10.84 | +11.75% |
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 (OPFI) report earnings?
OppFi (OPFI) is schdueled to report earning on May 13, 2026, After Close (Confirmed).
What is OppFi (OPFI) earnings time?
OppFi (OPFI) earnings time is at May 13, 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 (Q1) is 0.34.