Dallas, Texas--(Newsfile Corp. - October 30, 2025) - OppFi, Inc. (NYSE: OPFI) : Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OPFI reported revenue, adj. Net Income, and adj. EPS of $155.1M, $40.7M, and $0.46, respectively. This compares to our/consensus estimates of $155.2M/$153.4M, $27.4M/$28.9M, and $0.30/$0.32. Net revenue margin was 67.4% for the quarter, reflecting a year-over-year expansion of 70 bps from 3Q24. This quarter's strong performance was driven by yet another record total revenue of $155.1M, a 13.5% y/y increase, complimented by growth in originations from new customers, operating discipline, and scale benefits. Net income increased by 136.9% y/y to $75.9M, primarily due to lower expenses and a $32.0M non-cash gain from lower warrant fair value. Adjusted net income increased by 41.0% y/y to $40.7M, setting another new quarterly record for the Company. Adjusted EPS rose to $0.46, compared to $0.33 in the prior-year period. Adjusted net income margin expanded 520 bps y/y to 26.3%, reflecting operating discipline and scale benefits.
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Key Takeaways:
- Total revenue increased 13.5% y/y to $155.1M; Adjusted net income rose 41% y/y to a record $40.7M.
- Total net originations increased 12.5% y/y to a record $246.1M; ending receivables grew 16.3% to $481.0M.
- Raised FY25 outlook for the third straight quarter, guiding revenue to $590-$605M and Adjusted Net Income to $137-$142M (Adj. EPS $1.54-$1.60).
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About Stonegate
Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Our affiliate, Stonegate Capital Markets (member FINRA) provides a full spectrum of investment banking services for public and private companies.
Contacts:
Stonegate Capital Partners
(214) 987-4121
info@stonegateinc.com
Source: Stonegate, Inc.
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