OppFi beats Q4 profit estimates, posts record revenue

Overview

• US digital lender's Q4 adjusted EPS beat analyst expectations

• Q4 revenue rose 17.3% yr/yr to record high

• Company repurchased 1.54 mln shares in 2025 for $15.5 mln

Outlook

• OppFi sees 2026 total revenue of $650 mln to $675 mln, up 9% to 13% yr over yr

• Company expects 2026 adjusted net income of $153 mln to $160 mln, up 9% to 14% yr over yr

• OppFi projects 2026 adjusted EPS of $1.76 to $1.84, up 11% to 16% yr over yr

Result Drivers

• RECORD ORIGINATIONS - Co said record total loan originations contributed to revenue and profit growth

• RECEIVABLES GROWTH - Co ended 2025 with a record receivables balance, supporting higher revenue

Company press release: ID:nPn6vnJ9Ka

Key Details

Analyst Coverage

• The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 2 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

• The average consensus recommendation for the software peer group is "buy"

• Wall Street's median 12-month price target for OppFi Inc is $16.00, about 73.9% above its March 10 closing price of $9.20

• The stock recently traded at 5 times the next 12-month earnings vs. a P/E of 6 three months ago

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