OppFi Inc. (OPFI) came out with quarterly earnings of $0.35 per share, beating the Zacks Consensus Estimate of $0.33 per share. This compares to earnings of $0.38 per share a year ago.
Online lending platform OppFi is set to acquire BNC Bank for $130 million. The deal, announced Wednesday (April 29), is designed to capitalize on both OppFI's digital finance capabilities with BNC's national banking charter.
OppFi (OPFI) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term.
OppFi is keeping an eye on the gas pump as it enjoys record revenues. The personal loan platform reported annual earnings Wednesday (March 11) showing its income up 74.4% year over year to $146.2 million, an all-time high.
OppFi Inc. (OPFI) Q4 2025 Earnings Call Transcript
OppFi Inc. (OPFI) came out with quarterly earnings of $0.3 per share, beating the Zacks Consensus Estimate of $0.28 per share. This compares to earnings of $0.23 per share a year ago.
OPFI heads into Q4'25 results, with revenue and EPS expected to rise y/y, but a 0.00% Earnings ESP signals uncertain beat prospects despite strong automation and risk controls.
OppFi is upgraded to Buy as valuation resets and operating momentum remain robust despite macro credit risks. OPFI's forward P/E has contracted to ~5x, with double-digit revenue growth and upgraded net income guidance ($137–$142m for FY), creating valuation asymmetry. Credit costs are elevated but controlled; dynamic pricing and strong recoveries support resilience even as new vintages show higher early defaults.
OppFi sees LOLA as a scalable, AI-ready platform, with rising auto-approvals already lifting revenues, margins and confidence ahead of a 2026 migration.
OppFi posts a record 79.1% auto-approval rate as AI-driven Model 6 lifts revenues and margins, raising questions about further efficiency gains.
OppFi's Model 6 underwriting engine drives outsized profit gains as Q3 net income jump 136.9% y/y on 13.5% revenue growth and higher auto approvals.
OppFi benefits from rising originations, improving credit quality and a discounted valuation, but subprime exposure and competition cloud the outlook.