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 Q2 2021

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Earnings data Q4 2024

OppFi reports strong Q4 performance and outlines growth strategies

OppFi's Q4 2022 performance reflects resilience and growth, with a focus on strategic initiatives for 2023 to drive profitability and enhance credit quality.
Despite challenges like a net loss in Q4 2022, the company's strong balance sheet positioning and focus on operational improvements signal a path to sustainable growth.
Guidance for 2023 indicates a positive outlook for OppFi, with expectations of total revenue of $500-520 million and adjusted net income of $22-28 million.

OppFi exceeds Q1 earnings guidance, focuses on credit performance

OppFi's Q1 2023 earnings call highlighted strong financial performance, with growth in key metrics and improved credit performance. Marketing initiatives and operational efficiency efforts yielded positive results, reflected in a high Net Promoter Score. While challenges exist in evolving credit trends and competition, opportunities for growth through product enhancements and market positioning are evident.

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.

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OppFi, Inc. is a tech-enabled, mission-driven specialty finance platform that broadens the reach 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.

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CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE:OPFI) (“OppFi” or the “Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, announced its participation in the 4th Annual Needham Virtual FinTech & Digital Transformation 1x1 Conference on Wednesday, August 17, 2022. Todd Schwartz, Chief Executive Officer and Executive Chairman, and Pam Johnson, Chief Financial Officer, will conduct one-on-one meetings with institutional investors

OppFi to Participate in the 4th Annual Needham Virtual FinTech & Digital Transformation 1x1 Conference

OppFi Inc. (NYSE:OPFI ) Q2 2022 Earnings Conference Call August 9, 2022 4:30 PM ET Company Participants Shaun Smolarz - Head, Investor Relations Todd Schwartz - Chief Executive Officer and Executive Chairman Pam Johnson - Chief Financial Officer Conference Call Participants David Scharf - JMP Securities Chris Brendler - D.A. Davidson Operator Good afternoon and welcome to OppFi's Second Quarter 2022 Earnings Call.

OppFi, Inc.'s (OPFI) CEO Todd Schwartz on Q2 2022 Results - Earnings Call Transcript

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today reported financial results for the second quarter ended June 30, 2022. “We are pleased with our financial and operational performance for the second quarter, relative to our expectations,” said Todd Schwartz, Chief Executive Officer and Executive Chairman of OppFi. “We are encouraged by continued strong

OppFi Reports Second Quarter 2022 Financial Results

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE:OPFI) (“OppFi” or the “Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, will report financial results for its second quarter 2022 after the market-close on Tuesday, August 9, 2022. Management will host a conference call on August 9, 2022 at 4:30 p.m. ET to discuss OppFi's financial results and outlook. The webcast of the conference call will be available on the Investor Relations

OppFi Announces Second Quarter 2022 Earnings Conference Call

OppFi continues to generate positive FCF even as the macro environment for subprime lending deteriorates. The company faces headwinds from regulation and a possible recession.

OppFi: Subprime Lender Faces The Specter Of A Recession

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today announced the Company has been added to the Russell 2000® Index. “We are excited to join the Russell 2000 Index during our first year as a publicly-traded company,” said Todd Schwartz, Chief Executive Officer and Executive Chairman of OppFi. “We believe this development will enhance our profile with inv

OppFi Announces Addition to Russell 2000 Index

NEW YORK--(BUSINESS WIRE)--Ryan Williams, Founder and CEO of Cadre, today announced his decision to assume the roles of Executive Chairman and Co-Chairman of Cadre's Global Investment Committee, and to appoint Jared Kaplan, an entrepreneurial executive with extensive operating experience leading fintech firms, as Cadre's next CEO. Jared Kaplan brings deep operational expertise and track record of success -- leading multiple companies to successful exits and expanding access to financial service

Launching Next Phase of Strategic Growth Plan, Cadre Founder Ryan Williams Steps into Executive Chairman Role, Appoints Jared Kaplan as Cadre's next CEO

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE: OPFI) ("OppFi” or the “Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today announced the Company has more than doubled one of its existing credit facilities with affiliates of Atalaya Capital Management LP (“Atalaya”) to $200 million. “We have been experiencing record consumer demand and opportunistically expanded our funding capacity to support our focus on profitable growth,

OppFi Upsizes Credit Facility with Affiliates of Atalaya Capital Management to $200 Million

CHICAGO--(BUSINESS WIRE)--OppFi enacted a 10b5-1 trading plan as part of its existing share repurchase program.

OppFi Implements 10b5-1 Trading Plan as Part of Existing Share Repurchase Program

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OppFi, Inc. (NYSE:OPFI ) Q1 2022 Results Conference Call May 5, 2022 9:00 AM ET Company Participants Shaun Smolarz - Head, Investor Relations Todd Schwartz - Chief Executive Officer and Executive Chairman Pam Johnson - Chief Financial Officer Conference Call Participants David Scharf - JMP Securities Mike Grondahl - Northland Securities Chris Brendler - D.A. Davidson Operator Good morning, and welcome to OppFi's First Quarter 2022 Earnings Call.

OppFi, Inc. (OPFI) CEO Todd Schwartz on Q1 2022 Results - Earnings Call Transcript

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CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today reported financial results for the first quarter ended March 31, 2022. “We experienced robust customer demand in the first quarter with a more normalized credit demand environment, achieving a first quarter record 63% origination growth and 38% expansion in ending receivables year over year,” said Todd

OppFi Reports First Quarter 2022 Financial Results

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE: OPFI) ("OppFi” or the “Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today announced the appointments of Manuel (“Manny”) Chagas as Chief Operating Officer and Shaun Smolarz as Head of Investor Relations. In his role as Chief Operating Officer, Chagas will manage OppFi's people team, operations functions, and banking partnerships to attain greater productivity as well as optim

OppFi Appoints Manuel Chagas as Chief Operating Officer, Shaun Smolarz as Head of Investor Relations

Why Shares of OppFi Are Rising Today

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE: OPFI) (“OppFi” or the “Company”), a leading financial technology platform that powers banks to help everyday consumers gain access to credit, will report financial results for its first quarter 2022 before the market open on Thursday, May 5, 2022. Management will host a conference call on Thursday, May 5, 2022 at 9:00 am ET to discuss OppFi's financial results and outlook. The webcast of the conference call will be available on the Investor Relations

OppFi Announces First Quarter 2022 Earnings Conference Call

Shares of subprime fintech OppFi Inc. have lost two-thirds of their value since debuting in July 2021, as prior management significantly underdelivered on pre-IPO projections.

OppFi Inc.: A Potential Bottom

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today announced the appointment of Ms. Pamela (“Pam”) Johnson as the Company's Chief Financial Officer. Johnson joined OppFi as Chief Accounting Officer in 2021. Previously, she was Chief Financial Officer for more than 10 years at consumer finance companies Heights Finance Corporation and Pioneer Financial S

OppFi Appoints Pamela Johnson as Chief Financial Officer

OppFi investors are hopeful new CEO Todd Schwartz can turn things around at the struggling fintech company.

OppFi Is a Mess, but CEO Todd Schwartz Can Likely Salvage Some of the Losses

FinTech OppFi Inc. on Monday (March 7) filed a complaint in Los Angeles Superior Court against California's Commissioner of the Department of Financial Protection and Innovation (DFPI), in relation to the state's interest rate caps on loans. OppFi wants a ruling that declares that the caps, which are part of California state law, inapplicable to […]

OppFi Asks for Injunction on Loan Interest Rates Caps

OppFi, Inc. (OPFI) CEO Todd Schwartz on Q4 2021 Results - Earnings Call Transcript

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (NYSE: OPFI) (“OppFi” and “the Company”), a leading financial technology platform that powers banks to help the everyday consumer gain access to credit, today reported financial results for the fourth quarter and full-year ended December 31, 2021. “I am excited and proud to return as CEO of the company that I founded 10 years ago,” said Todd Schwartz, Executive Chairman and Chief Executive Officer of OppFi. “I remain as passionate about our mission for finan

OppFi Reports Fourth Quarter and Full-Year 2021 Financial Results

CHICAGO--(BUSINESS WIRE)--OppFi Inc. (“OppFi” or the “Company”) (NYSE: OPFI), a leading financial technology platform that helps everyday consumers gain access to credit, today announced it has filed a Complaint for Declaratory and Injunctive Relief against the Commissioner of the Department of Financial Protection and Innovation for the State of California. The Complaint was filed on March 7, 2022 in Los Angeles Superior Court. OppFi is seeking a declaration that the interest rate caps set for

OppFi Files Complaint for Declaratory and Injunctive Relief Against the Commissioner of the California Department of Financial Protection and Innovation

News for OppFi Stock (OPFI)