OppFi

OppFi, Inc. operates as financial technology platform that powers banks to offer lending products to consumers. Its Artificial Intelligence (AI) enabled financial technology platform to help everyday consumers who lack access to traditional credit products to build a financial path. The company was founded by Todd G. Schwartz and Theodore Schwartz in 2012 and is headquartered in Chicago, IL.

Earnings data Q3 2022

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Earnings data Q2 2025

Earnings data Q3 2025

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Earnings data Q1 2026

Earnings data Q2 2026

OppFi reports stellar Q2 results, eyes acquisitions for growth

OppFi's Q2 performance reflected strong revenue and income growth, supported by improved credit metrics and cost efficiency, setting a positive trajectory for future growth.
Strategic initiatives such as potential acquisitions and revised guidance underscore the company's proactive approach to expansion and financial success in a competitive industry.
While challenges like balancing profitability and managing rising interest expenses persist, opportunities in acquisitions and revenue growth offer avenues for sustained success and market leadership.

OppFi reports strong Q3 earnings, reaffirms guidance, eyes strategic growth

OppFi's Q3 performance showcased resilience, operational efficiency, and disciplined expense management, underpinning growth and profitability.
The company's focus on credit quality, cost control, and strategic planning positions it well for future success and value creation.
While challenges like credit tightening and expense management persist, opportunities in market expansion and investor engagement offer avenues for sustained growth.

OppFi reports record revenue and net income, prioritizes profitability

OppFi's Q4 2023 earnings call highlighted strong financial performance, improved credit metrics, and a focus on profitability over growth in 2024. The company achieved record revenue and net income, with plans to launch a new credit model and cautious guidance for 2024. Challenges from the macroeconomic environment were acknowledged, but opportunities for strategic decisions and operational improvements were also identified.

OppFi exceeds Q1 earnings guidance, announces special dividend

OppFi's Q1 2024 performance showcased revenue growth, improved credit performance, and operational efficiency. The company's strengths include strong financial metrics, a focus on customer experience, and capital allocation strategies.
Challenges include macroeconomic uncertainties, maintaining growth targets, and balancing expenses with growth initiatives. Opportunities exist in leveraging operational initiatives, capital allocation decisions, and market dynamics for sustained growth.
Overall, OppFi's Q1 earnings call highlighted financial resilience, strategic outlook, and a commitment to enhancing credit access and customer experience. The company's performance and outlook position it for continued growth and profitability.

OppFi reports stellar Q3 results, eyes growth in small business financing

OppFi's Q3 performance reflects strong financial health and strategic execution, positioning the company for sustained growth and profitability.
While challenges in capital allocation and market dynamics exist, the company's focus on operational efficiency and growth initiatives presents promising opportunities.
Overall, OppFi's earnings call highlights a positive outlook for future performance, supported by increased guidance and strategic investments in growth areas.

OppFi achieves record Q2 results, eyes growth amid challenges

OppFi delivered strong financial performance in Q2 2025 with record revenue and net income, driven by operational improvements and increased auto approval rates. While facing challenges in areas like margin structure and expense management, OppFi's focus on customer satisfaction and technology presents growth opportunities. Overall, OppFi's strategic investments and performance improvements position the company well for future growth and profitability.

OppFi reports record Q3 performance, eyes growth amid challenges

OppFi's Q3 2025 performance reflects robust growth across key financial metrics, underpinned by strategic initiatives and strong financial management. While facing potential challenges in a dynamic market environment, the company's focus on innovation and efficiency positions it well for future opportunities. By leveraging its strengths and addressing challenges effectively, OppFi can continue its growth trajectory and deliver value to shareholders.

OppFi reports revenue growth, acquires BNC for transformative synergies

OppFi's Q1 2026 performance showed revenue growth, strong cash flow, and a strategic shift to a C corp structure. The acquisition of BNCC Corp and BNC National Bank is poised to bring transformative benefits and synergies. Challenges include managing expenses, ensuring successful product launches, and addressing post-acquisition strategies.

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OppFi, Inc. is a tech-enabled, mission-driven specialty finance platform, which engages in the provision of community banks to extend credit access to everyday Americans. It supports consumers, who are turned away by mainstream options, to build better financial health, through transparency, responsible lending, financial inclusion, and an excellent customer experience. The company was founded by Todd G. Schwartz and Theodore Schwartz in 2012 and is headquartered in Chicago, IL.