OppFi Reports Record Q4 & Full-Year 2025 Results, Exceeding Estimates and Issuing Strong 2026 Guidance

summarizeSummary

OppFi Inc. reported record Q4 and full-year 2025 financial results, beating adjusted EPS estimates, and issued strong guidance for full-year 2026, alongside an update on its share repurchase program.

check_boxKey Events

• Record Q4 2025 Financial Performance

  Reported record Q4 2025 Total Revenue of $159.2 million (up 17.3% YoY) and Adjusted Net Income of $25.8 million (up 27.2% YoY). Adjusted EPS reached a record $0.30, surpassing analyst estimates.

• Record Full-Year 2025 Financial Performance

  Achieved record full-year 2025 Total Revenue of $597.1 million (up 13.5% YoY) and Adjusted Net Income of $139.8 million (up 69.1% YoY). Adjusted EPS was a record $1.59, up 66.6% YoY.

• Strong Full-Year 2026 Guidance

  Issued full-year 2026 guidance projecting Total Revenue of $650M-$675M (up 9-13% YoY), Adjusted Net Income of $153M-$160M (up 9-14% YoY), and Adjusted EPS of $1.76-$1.84 (up 11-16% YoY).

• Share Repurchase Program Update

  Repurchased 1,541,949 shares for $15.5 million at an average price of $10.04 during FY25, with $20.9 million remaining under the 2024 Repurchase Program.

auto_awesomeAnalysis

OppFi Inc. announced record financial results for both the fourth quarter and full year 2025, significantly surpassing analyst expectations for adjusted EPS. The company reported a Q4 2025 Adjusted EPS of $0.30, beating the IBES estimate of $0.20. This strong performance was driven by record total revenue and adjusted net income for both periods. Furthermore, OppFi provided robust full-year 2026 guidance, projecting continued growth in revenue, adjusted net income, and adjusted EPS. The company also highlighted its capital allocation strategy, including $15.5 million in share repurchases during FY25, with $20.9 million remaining under its program, signaling confidence in its valuation and future prospects.