OppFi beats Q4 profit estimates, posts record revenue

Oppfi

11/03/2026 11:10

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

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Adjusted EPS
Beat
$0.30
$0.28 (4 Analysts)
Q4 EPS
$0.38


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

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(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.)