Brief: OppFi Q2 Adjusted EPS USD 0.45 Vs. IBES Estimate USD 0.29

Oppfi

06/08/2025 12:00

Overview

OppFi Q2 revenue grows 12.8% yr/yr, setting company record

Adjusted net income for Q2 rises 59%, setting company record

Adjusted EPS for Q2 beats analyst expectations, per LSEG data

Outlook

OppFi raises full-year revenue guidance to $578 mln-$605 mln

Company increases full-year adjusted net income outlook to $125 mln-$130 mln

Raises adjusted EPS forecast to $1.39 to $1.44 from $1.18 to $1.26

OppFi attributes guidance raise to operational and credit improvements

Result Drivers

MODEL 6 IMPACT - Model 6 contributed to origination growth while maintaining risk standards, per CEO Todd Schwartz

AUTO-APPROVAL RATE - Record auto-approval percentage achieved, aiding in quarterly performance

CREDIT PERFORMANCE - Decrease in net charge-off rate to 31.9% indicates improved credit performance

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q2 Adjusted EPS
Beat
$0.45
$0.29 (4 Analysts)
Q2 EPS
-$0.78


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 $14.50, about 31.1% above its August 5 closing price of $9.99

The stock recently traded at 7 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nPnbYqBdba

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)