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OppFi Soars with Record Q3 Results, Raises 2025 Guidance

OppFi reports record Q3 2025 results with $155.1M revenue, raises FY25 guidance. Stonegate Capital Partners updates coverage with $15.42 price target midpoint.

This financial performance demonstrates OppFi's growing strength in the competitive fintech lending space, particularly in serving non-prime borrowers. For investors, the substantial earnings beat and raised guidance signal strong operational execution and sustainable growth potential in a challenging economic environment. For the broader financial services industry, OppFi's success with its Model 6 platform and risk-based pricing approach shows how technology-driven underwriting can effectively serve underserved consumer segments while maintaining profitability. The company's ability to generate significant free cash flow while expanding originations suggests a scalable business model that could influence how traditional lenders approach the non-prime market. For consumers, OppFi's performance indicates continued access to credit options through innovative fintech solutions that balance risk management with customer accessibility.