OppFi Reports Record Financial Performance in Q2 2025, Raises Full-Year Guidance

OppFi, Inc. (NYSE: OPFI) has announced a remarkable financial performance for the second quarter of 2025, with revenues, adjusted net income, and adjusted EPS reaching $142.4 million, $39.4 million, and $0.45, respectively. These figures not only exceeded consensus estimates but also represented a substantial year-over-year improvement, attributed to increased receivables and portfolio yield. Despite a dip in net income due to a non-cash warrant revaluation, the company's adjusted net income surged by 59.0% compared to the previous year, establishing a new quarterly benchmark.

The financial health of OppFi remains robust, with $78.3 million in cash and restricted cash by the end of Q2 2025. The company's adept financial management is evident from the $64.0 million in free cash flow generated in the first half of the year, facilitating growth investments and a special dividend payment of $28.1 million. Additionally, OppFi has successfully repaid its corporate term loan in full and expanded its revolving credit facility by $50.0 million, underscoring its financial resilience and strategic foresight.

Originations have witnessed a 14% increase year-over-year, totaling $233.9 million, with retained net originations growing by 9% to $205.7 million. The auto-approval rate has climbed to 80%, a testament to the enhancements in automation and risk stratification via OppFi’s Model 6 platform. Credit quality has markedly improved, with the net charge-off rate decreasing to 31.9% of total revenue, down from the previous year, and the portfolio yield achieving a company record of 136%.

In response to these achievements, OppFi has revised its FY25 revenue guidance upward to $578–$605 million and adjusted net income guidance to $125–$130 million. The adjusted EPS guidance has also been increased to $1.39–$1.44, based on an anticipated 90 million diluted shares. This positive revision reflects the company's strong first-half performance and its strategic efforts to maintain growth and enhance credit quality. For further details on OppFi's financial results and strategic direction, visit https://www.oppfi.com.