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OppFi Inc. Achieves Record Financial Results for 2025

On March 11, 2026, OppFi Inc. (NYSE: OPFI), a cutting-edge digital finance platform, announced impressive financial results for the year ending December 31, 2025. The company's annual revenue and net income reached unprecedented levels, bolstered by their commitment to serving everyday Americans with accessible financial products. This success has not only solidified OppFi's position in the market but also sets a strong foundation for future growth.

Key Financial Metrics

In 2025, OppFi reported a staggering $597.1 million in total revenue, marking a 13.5% increase from the previous year. Most notably, net income soared by 74.4%, reaching $146.2 million, which translates to earnings per share (EPS) of $0.99, up from $0.36 in 2024. Furthermore, adjusted net income saw a remarkable rise of 69.1%, bringing it to $139.8 million, with adjusted EPS hitting $1.59.

Such strong performance underscores OppFi's operational efficiency and ability to capture market demand effectively. The total originations for the year also reflect OppFi’s robust growth strategy, reaching 899,270, a significant rise from 801,514 in 2024, showcasing their expanding customer base.

Highlights from the Fourth Quarter

The fourth quarter of 2025 was equally impressive. Total revenue for this quarter rose to $159.3 million, a 17.3% year-over-year increase from $135.7 million in Q4 2024. Q4 net income surged to $38.4 million, up 175.1% from $14 million in the fourth quarter of the previous year.

The increase in income is reflective of the overall positive trend in operational efficiencies, alongside rising demand for their products. OppFi's robust underwriting and risk assessment models have played a pivotal role in these achievements as well.

Share Repurchase Initiatives

In addition to the remarkable earnings, OppFi has also been active in returning value to its shareholders through a share repurchase program. In 2025, the company repurchased 1,541,949 shares of its Class A common stock for an aggregate value of $15.5 million at an average price of $10.04 per share. This initiative demonstrates OppFi's commitment to enhancing shareholder value and reflects confidence in its future prospects.

Looking Ahead: 2026 Guidance

As they look to the future, OppFi has provided optimistic guidance for 2026, estimating total revenue between $650 million and $675 million, which indicates a year-over-year growth of 9% to 13%. They also project an adjusted net income in the range of $153 million to $160 million, and an adjusted EPS of $1.76 to $1.84, showcasing confidence in sustained growth and profitability.

Conclusion

OppFi Inc.'s 2025 financial results not only highlight an outstanding performance but also affirm its mission to enhance financial access for underserved demographics. The strong momentum from last year is expected to carry forward into 2026, with continued advancements in financial technology and customer service excellence. Investors and market analysts alike will be closely watching how OppFi capitalizes on its current trajectory and navigates the evolving landscape of digital finance.