The earnings call showcased strong financial performance and growth, driven by technological advancements and improved credit metrics. However, there are concerns about macroeconomic risks and a significant decrease in GAAP net income due to noncash charges. Overall, the highlights and success in key initiatives were more pronounced than the lowlights.

Company Guidance -

Q3 2025

During OppFi's Second Quarter 2025 Earnings Conference Call, the company announced record financial results, including a 13% increase in revenue and a 59% rise in adjusted net income year-over-year. The second quarter's net charge-off rate improved to 32% of revenue compared to 33% the previous year. The auto approval rate increased to 80%, up from 76% in Q2 2024, contributing to a 16% rise in net revenue year-over-year. OppFi's new loan origination system, LOLA, is expected to enhance the customer experience and increase automation. For the full year 2025, OppFi has updated its guidance, anticipating total revenues between $578 million and $605 million, representing a 10% to 15% increase compared to 2024, and adjusted net income between $125 million and $130 million, marking a 51% to 57% increase from the prior year. Adjusted earnings per share are expected to range between $1.39 and $1.44.

Record-Breaking Financial Performance

OppFi reported record quarterly revenue of $142 million, a 13% increase year-over-year, and a record adjusted net income of $39 million, a 59% increase year-over-year.

Strong Growth in Originations

Total net originations increased by 14% year-over-year, demonstrating the company's successful growth strategy.

Improved Net Charge-Off Rate

The net charge-off rate improved to 32% of revenue compared to 33% in the prior year, highlighting better credit performance.

Technological Advancements

Introduction of LOLA, a new loan origination system designed to improve processing times and operational efficiencies, and enhance customer experiences with AI integration.

Positive Customer Feedback

OppLoans received an NPS score of 79 and a CSAT score of 89%, indicating high customer satisfaction.

OppFi (OPFI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

OPFI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 06, 2025	2025 (Q3)	0.32 / -	0.33	―	―	―
Aug 06, 2025	2025 (Q2)	0.29 / 0.45	0.29	55.17% (+0.16)
May 07, 2025	2025 (Q1)	0.25 / 0.38	0.1	280.00% (+0.28)
Mar 05, 2025	2024 (Q4)	0.15 / 0.23	0.1	130.00% (+0.13)
Nov 07, 2024	2024 (Q3)	0.21 / 0.33	0.13	153.85% (+0.20)
Aug 07, 2024	2024 (Q2)	0.15 / 0.29	0.14	107.14% (+0.15)
May 08, 2024	2024 (Q1)	0.05 / 0.10	0.02	400.00% (+0.08)
Mar 07, 2024	2023 (Q4)	0.08 / 0.10	-0.22	145.45% (+0.32)
Nov 09, 2023	2023 (Q3)	0.06 / 0.13	-0.04	425.00% (+0.17)
Aug 09, 2023	2023 (Q2)	0.04 / 0.14	0.08	75.00% (+0.06)

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
Aug 06, 2025	$9.99	$11.33	+13.41%
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%

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 Nov 06, 2025, After Close (Confirmed).

What is Oppfi Inc (OPFI) earnings time?

Oppfi Inc (OPFI) earnings time is at Nov 06, 2025, 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 2025 (Q3) is 0.32.

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