OppFi Inc. reported record financial results for the fourth quarter and full year of 2025, with total revenue reaching $597.1 million, up 13.5% year‑over‑year, and net income of $146.2 million, a 74.4% increase from the prior year. Adjusted net income climbed to $139.8 million, a 69.1% rise, while basic earnings per share were $0.99 and adjusted EPS were $1.59, both company records.
In the fourth quarter, OppFi generated $159.25 million in revenue, up 17% from $135.7 million in Q4 2024. The company posted an adjusted EPS of $0.30, beating the consensus estimate of $0.28 by $0.02, or 7.1%. The beat was driven by disciplined cost management and the continued effectiveness of Model 6, which improves risk‑based pricing and reduces loss exposure.
For the full year, revenue of $597.1 million represented a 13.5% increase over $526 million in 2024. Net income of $146.2 million was 74.4% higher than $82.7 million in 2024, while adjusted net income of $139.8 million rose 69.1% from $82.7 million. Total expenses as a percentage of revenue fell to 35.9% from 43.1% in 2024, underpinning the margin expansion that supported the record earnings.
OppFi returned capital by repurchasing $15.5 million of shares at an average price of $10.04, with $20.9 million remaining under authorization. The company guided for 2026 revenue of $650 million to $675 million, adjusted net income of $153 million to $160 million, and adjusted EPS of $1.76 to $1.84, reflecting confidence in continued growth and profitability.
The results were underpinned by the success of Model 6, which identifies riskier borrowers and prices risk across segments, and by broader use of risk‑based pricing. Management highlighted disciplined credit standards and operational efficiencies that improved unit economics and margin conversion. While the company noted an increase in net charge‑offs, it described the rise as manageable and temporary, citing ongoing model updates. OppFi also plans to launch a line‑of‑credit product in 2026 and to migrate to its new origination and servicing platform, LOLA, in Q3 2026.
Investors responded positively to the earnings release, citing the record profitability, strong full‑year performance, and optimistic 2026 guidance as key drivers of confidence in OppFi’s partnership‑based business model and long‑term value creation.
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