OppFi Inc. Q3 2025 Earnings Recap

OppFi reported a record quarter with 14% revenue growth and a 41% increase in adjusted net income, driven by strategic credit risk management and operational efficiency.

Key Takeaways

• Revenue reached $155 million, a 14% increase year-over-year, while adjusted net income surged to $41 million.
• The implementation of Model 6.1 is expected to enhance risk segmentation and improve loan origination efficiencies, rolling out in Q4 2025.
• Renewed credit agreements and revised lending strategies are anticipated to lower interest expenses and improve profitability.
• Nearly 50% of originations came from new customers, reflecting robust growth in market reach and customer acquisition.
• OppFi's investment in Bitty generated $1.4 million in equity income, highlighting successful partnerships in the SMB sector.