Curated News
By: NewsRamp Editorial Staff
August 07, 2025
OppFi Reports Record Q2 Earnings and Raises FY25 Guidance
TLDR
- OppFi's record revenue and adjusted net income growth offer investors a competitive edge with a raised FY25 guidance and strong market positioning.
- OppFi achieved a 12.8% y/y revenue increase to $142.4M, with adjusted net income up 59.0% y/y, driven by algorithmic credit decisioning and expense discipline.
- OppFi's improved credit quality and lending standards contribute to a more inclusive financial ecosystem, enhancing access to credit for underserved borrowers.
- OppFi's Model 6 platform boosts auto-approval rates to 80%, showcasing how technology is revolutionizing credit accessibility and risk assessment.
Impact - Why it Matters
OppFi's strong financial performance and raised guidance signal robust health and growth potential in the fintech sector, impacting investors and the broader financial services industry. Its innovative credit decisioning and improved lending standards could set new benchmarks for consumer lending.
Summary
OppFi, Inc. (NYSE: OPFI) has reported a strong financial performance for the second quarter of 2025, with revenue, adjusted net income, and adjusted EPS reaching $142.4M, $39.4M, and $0.45, respectively. Despite a decrease in net income due to a non-cash warrant revaluation, the company saw a significant increase in adjusted net income and EPS, setting new quarterly records. The company's success is attributed to algorithmic credit decisioning, expense discipline, and improving credit quality. OppFi also highlighted its liquidity and balance sheet strength, with $78.3M in cash and restricted cash, and a total funding capacity of $603.3M. The company's originations and lending standards have shown positive trends, with total net originations rising 14% year-over-year and credit quality improving. OppFi has raised its FY25 revenue guidance to $578–$605M, reflecting confidence in its continued momentum.
Stonegate Capital Partners, a leading capital markets advisory firm, has updated its coverage on OppFi, emphasizing the company's strong performance and growth potential. The update includes a valuation range of $13.11 to $16.02, with a midpoint of $14.57, based on a P/E multiple analysis. OppFi's achievements and future prospects are closely watched by investors and analysts, given its innovative approach to lending and financial services.
Source Statement
This curated news summary relied on content disributed by Reportable. Read the original source here, OppFi Reports Record Q2 Earnings and Raises FY25 Guidance
