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Overview of OppFi's Q3 2025 Financial Performance

On October 29, 2025, OppFi Inc. (NYSE: OPFI), a digital finance platform dedicated to helping everyday Americans with financial products and services, unveiled its outstanding financial results for the third quarter ending September 30, 2025. The company set new benchmarks with a remarkable increase in both revenue and net income, which highlights its robust operational capabilities and strategic positioning in the market.

Stellar Financial Results

For the third quarter, OppFi reported a staggering $75.9 million in net income, marking a 136.9% year-over-year increase—a record for any single quarter in the company's history. This sharp rise reflects the company's effective strategies to capitalize on market opportunities amid changing economic conditions.

Adjusted net income also saw a notable increase, reaching $40.7 million—up 41.4% compared to the previous year. Total revenues rose by 13.5% to $155.1 million, indicating OppFi's successful growth trajectory as it expands its customer base and enhances service offerings.

Increased Full-Year Guidance

In response to its strong quarterly performance, OppFi has revised its full-year revenue guidance. The company now expects to achieve an annual revenue between $590 million and $605 million, while adjusted net income projections have been increased to range between $137 million and $142 million. The anticipated adjusted earnings per share (EPS) is now targeted between $1.54 and $1.60, demonstrating confidence in sustained growth and profitability moving forward.

Operational Efficiency and Strategic Positioning

Todd Schwartz, the CEO and Executive Chairman of OppFi, expressed satisfaction with the results, highlighting that the company's auto approval rates have increased to 79.1%. This improvement reflects enhancements in operational efficiency and the effectiveness of their risk-based pricing model, allowing for better decision-making and reduced financial exposure during economic fluctuations.

The introduction of the Model 6.1 refit and innovative seasonal modeling strategies further positions OppFi to navigate potential challenges in the financial landscape effectively, ensuring that they remain adaptive and resilient.

Conference Call Announcement

To discuss these results, management will host a conference call at 9:00 AM ET on the day of the announcement. The session will be available via live webcast on the Investor Relations page of OppFi’s official website, allowing investors and analysts to gain deeper insights into their performance and future outlook.

About OppFi

OppFi is more than just a digital finance platform; it is a facilitator of financial inclusion for many Americans who are underserved by traditional banking systems. Through partnerships with various banks, OppFi extends financial products designed to improve the financial health of everyday consumers. Notably, it has maintained a high user satisfaction rate, highlighted by a 4.4/5.0 star rating on Trustpilot, reflecting its commitment to delivering quality service.

As of this latest report, OppFi has also taken steps within its investment portfolio, maintaining a 35% equity stake in Bitty Holdings, LLC, which further diversifies its offerings by providing revenue-based financing to small businesses. This diversification not only strengthens its market position but also contributes to OppFi's comprehensive suite of financial solutions.

With an unwavering commitment to its mission and a proactive approach to seizing opportunities, OppFi continues to pave the way for sustained growth, ensuring that it meets the evolving needs of its customer base while generating robust financial returns.