OppFi (NYSE:OPFI) Posts Quarterly Earnings Results, Beats Estimates By $0.02 EPS

OppFi (NYSE:OPFI) posted its quarterly earnings results on Wednesday. The company reported $0.30 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.28 by $0.02, FiscalAI reports. OppFi had a return on equity of 55.59% and a net margin of 0.68%.The business had revenue of $159.25 million for the quarter, compared to analyst estimates of $159.80 million.

Here are the key takeaways from OppFi’s conference call:

• Record 2025 results — OppFi reported full-year revenue of $597M (≈+14% YoY) and adjusted net income of $140M (≈+69% YoY), and guided 2026 revenue of $650–675M with adjusted net income of $153–160M.
• Summer vintage credit stress — management disclosed higher delinquencies from summer-originated loans, with Q4 net charge-offs rising to ~45% of revenue (and ~59% of receivables), though they say much of the risk was reflected in pricing.
• Ongoing model and tech investments — Model 6 materially helped growth, Model 6.1 is slated for H1 2026 (to boost originations and reduce risk), Model 7 targets Q3 2026, and the new origination/servicing platform Lola and a line-of-credit product are planned to roll out in 2026.
• Strong unit economics and balance sheet discipline — operating expenses ex-interest fell to ~28% of revenue in Q4 (29% FY), interest expense declined to ~6% of revenue, ending cash was $93M, total funding capacity was $618M, and the company repurchased 515k shares for $5M.
• Rapid signal and response capability — OppFi emphasizes that its short-duration loans give early loss indicators (weeks), it monitors consumer sentiment closely, and plans targeted underwriting/pricing adjustments to manage near-term macro shocks.

OppFi Stock Performance

NYSE OPFI traded down $0.38 during trading hours on Wednesday, reaching $8.82. 149,078 shares of the company’s stock were exchanged, compared to its average volume of 474,898. The company’s 50-day moving average is $9.55 and its two-hundred day moving average is $10.09. OppFi has a one year low of $7.54 and a one year high of $15.03. The company has a market capitalization of $761.44 million, a price-to-earnings ratio of -11.67 and a beta of 1.73.

Insiders Place Their Bets

In other news, Director Jocelyn Moore sold 4,464 shares of the company’s stock in a transaction that occurred on Thursday, December 11th. The shares were sold at an average price of $10.91, for a total value of $48,702.24. Following the completion of the transaction, the director owned 47,266 shares in the company, valued at $515,672.06. This represents a 8.63% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available through the SEC website. Insiders own 72.00% of the company’s stock.

Institutional Investors Weigh In On OppFi

Large investors have recently made changes to their positions in the stock. Invesco Ltd. raised its position in shares of OppFi by 30.4% in the fourth quarter. Invesco Ltd. now owns 48,580 shares of the company’s stock valued at $508,000 after buying an additional 11,338 shares in the last quarter. Vident Advisory LLC acquired a new stake in OppFi during the fourth quarter worth approximately $730,000. Mackenzie Financial Corp grew its position in OppFi by 18.8% during the fourth quarter. Mackenzie Financial Corp now owns 82,039 shares of the company’s stock worth $887,000 after buying an additional 12,966 shares in the last quarter. XTX Topco Ltd bought a new position in OppFi during the 4th quarter worth $350,000. Finally, Wellington Management Group LLP increased its stake in OppFi by 193.3% during the 4th quarter. Wellington Management Group LLP now owns 2,474,102 shares of the company’s stock worth $25,879,000 after acquiring an additional 1,630,450 shares during the period. Institutional investors and hedge funds own 7.10% of the company’s stock.

Wall Street Analyst Weigh In

Several equities analysts have weighed in on the company. Weiss Ratings reissued a “sell (d+)” rating on shares of OppFi in a research note on Monday, December 29th. Zacks Research downgraded shares of OppFi from a “strong-buy” rating to a “hold” rating in a research report on Monday, December 29th. One equities research analyst has rated the stock with a Buy rating, two have given a Hold rating and one has issued a Sell rating to the stock. According to MarketBeat, OppFi has an average rating of “Hold” and a consensus price target of $14.00.

OppFi Company Profile

OppFi (NYSE: OPFI) is a financial technology company that provides digital lending and credit solutions designed to meet the needs of near-prime consumers in the United States. Through its technology-driven platform, OppFi offers unsecured installment loans under the OppLoans brand, allowing borrowers to access credit online or via mobile devices. The company leverages proprietary data analytics and machine learning models to assess credit risk, streamline underwriting processes and deliver personalized loan products with transparent terms.

Headquartered in Chicago, Illinois, OppFi was founded in 2013 with a mission to increase financial inclusion for underserved and underbanked populations.