OppFi Reports Record Q4 & Full-Year 2025 Results, Exceeding Estimates and Issuing Strong 2026 Guidance
Summary
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.
Key Events
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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.
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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.
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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).
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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.
Analysis
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.
At the time of this filing, OPFI was trading at $8.51 on NYSE in the Finance sector, with a market capitalization of approximately $734.9M. The 52-week trading range was $7.54 to $15.03. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.