OppFi Sets Records in Revenue and Earnings: Strong Growth with Robust Financial Capacity
Record-Breaking Revenue and Earnings Highlight Operational Momentum
OppFi Inc. (NYSE: OPFI) posted its strongest year ever, achieving record total revenue of $597.05 million and net income of $146.25 million for 2025. These results signal significant progress for the fintech platform, which specializes in expanding financial inclusion for underserved Americans.
The company’s adjusted net income—a figure that smooths out one-time items and non-cash expenses—also reached an all-time high at $139.76 million, up 69% year over year. Diluted earnings per share ("EPS") landed at $0.99, while adjusted EPS surged to $1.59, reflecting efficient operational scaling and profitability gains.
Profitability Gains Outpace Revenue Growth
A closer look at OppFi’s 2025 performance reveals strong profitability growth far exceeding top-line expansion. Net income jumped 74% compared to 2024, and adjusted net income grew by 69%. Operating efficiencies played a key role—as total expenses fell by 5.5%, despite a 13.5% increase in total revenue.
Here’s a summary table of key full-year financial highlights:
| Metric | 2025 | 2024 | % Change |
|---|---|---|---|
| Total Revenue | $597.05M | $525.96M | 13.5% |
| Net Income | $146.25M | $83.84M | 74.4% |
| Adjusted Net Income | $139.76M | $82.67M | 69.1% |
| Basic & Diluted EPS | $0.99 | $0.36 | 175.7% |
| Adjusted EPS | $1.59 | $0.95 | 66.6% |
Key Performance Metrics Support Growth Narrative
Originations and loan portfolio quality both supported the earnings surge. Total net originations for 2025 hit $899.27 million, up over $97 million from the previous year. The company’s auto-approval rate climbed to 79%, and average yield rose to 133%. Charge-off rates improved as well—net charge-offs as a percent of total revenue dropped to 37% from 39% in 2024.
| Performance Metric | 2025 | 2024 |
|---|---|---|
| Total Net Originations | $899.27M | $801.51M |
| Ending Receivables | $493.12M | $425.24M |
| Net Charge-Offs (% of Revenue) | 37% | 39% |
| Average Yield (Annualized) | 133% | 131% |
| Auto-Approval Rate | 79% | 76% |
Solid Liquidity and Capital Position Underscore Resilience
OppFi finished 2025 with $93.26 million in cash and restricted cash and an additional $203.6 million of unused debt capacity. Its total funding capacity stood at $618.3 million at year’s end, offering a strong cushion for continued growth. This liquidity supported both origination expansion and a $15.5 million share repurchase program, with $20.9 million still authorized for future buybacks.
2026 Guidance Calls for More Growth
Looking forward, OppFi is projecting 2026 revenue between $650 million and $675 million, which would mean another 9%–13% year-over-year increase. Adjusted net income guidance stands at $153–$160 million, up 9%–14% year over year, while adjusted EPS is expected to rise to $1.76–$1.84. Management signals confidence in sustaining margin expansion, given the robust receivables base and continued operational scaling.
| 2026 Guidance | 2026 Estimate | % Change vs. 2025 |
|---|---|---|
| Total Revenue | $650M–$675M | +9% to +13% |
| Adjusted Net Income | $153M–$160M | +9% to +14% |
| Adjusted EPS | $1.76–$1.84 | +11% to +16% |
Takeaway: Financial Strength and Disciplined Growth Set Stage for 2026
OppFi’s record-setting earnings reflect a combination of expanding originations, disciplined cost control, and strong lending demand. Investors focused on fintech lending will want to track the company’s execution relative to its 2026 guidance and its ability to maintain credit quality as origination volumes and receivables balances continue to rise. Given its fortress-level funding capacity and operational momentum, OppFi’s outlook appears constructive as it heads into the new year.
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