OppFi (OPFI) Q4 2025 Earnings Call Transcript
View original at finance.yahoo.comOppFi (OPFI) Q4 2025 Earnings Call Transcript Image source: The Motley Fool. DATE Wednesday, March 11, 2026 at 9 a.m. ET CALL PARTICIPANTS Chief Executive Officer — Todd G…
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OppFi maintained industry-leading 78 Net Promoter Score
60% confidenceCompany ended Q4 2025 with $93 million in cash, cash equivalents, and restricted cash
60% confidenceLine of credit product will potentially open up some new geographies with bank partners
60% confidenceNet charge-offs as a percentage of receivables increased to 59% in Q4 2025, up from 54% in prior-year quarter
60% confidenceAdjusted net income increased 69% year over year in 2025
60% confidenceLOLA when launched will be the most cutting-edge tech-enabled lending system out there and will allow plugging into AI tools
60% confidenceStock Advisor total average return is 952%, compared to 191% for S&P 500
60% confidenceGAAP net income increased by 175% to $38 million in Q4 2025
60% confidenceModel 6.1 is anticipated to boost originations and reduce risk
60% confidenceFull year 2025 expenses excluding interest as percentage of revenue decreased to 29% from 35% in 2024
60% confidence2026 adjusted EPS expected to be $1.76-$1.84, an increase of 11% to 16% from 2025, based on anticipated diluted weighted average share count of 87 million shares
60% confidenceMuch of the higher risk associated with summer vintage loans was appropriately priced into them through higher interest rates
60% confidence2024 had $95 million of free cash flow, 2025 had $94 million
60% confidence2026 total revenues expected to be $650-675 million, an increase of 9% to 13% over 2025
60% confidence2026 adjusted net income expected to be $153-160 million, an increase of 9% to 14% over 2025
60% confidenceThe auto-approval rate in Q4 2025 was 79%, which helped increase originations 48% year over year
60% confidenceRisk-based pricing better prices risk for customers throughout risk segments and helps unit economics tremendously
60% confidenceNet charge-offs as a percentage of revenue increased to 45% in Q4 2025, up from 42% in prior-year quarter
60% confidenceAverage yield increased to 133% in 2025, up from 131% in 2024
60% confidenceCompany is seeing a normal to strong tax refund season with IRS documenting average return would increase this year
60% confidenceNetflix investment on December 17, 2004 of $1,000 would have returned $522,791
60% confidenceFull year 2025 adjusted EPS was $1.59, up from $0.95 in 2024
60% confidenceModel 6.1 is a refit taking Model 6 and improving on it, with early indicators showing boosting originations and better credit performance
60% confidenceFull year 2025 GAAP net income increased to $146 million, up from $84 million in 2024
60% confidenceLOLA will help improve funnel metrics, increase automated approvals, enhance efficiency in servicing and recoveries, better integrate major systems, deliver reduced cycle times, and provide greater throughput
60% confidenceTotal expenses before interest expense declined to 28% of revenue in Q4 2025, down from 33% in same quarter last year
60% confidenceEnding receivables increased 16% to $493 million in Q4 2025
60% confidenceImproving vintage metrics in December and January coupled with strong recovery metrics in Q4 will enable double-digit top and bottom line growth in 2026
60% confidenceInflation is a tax on customers that hits their discretionary income and ability to repay
60% confidenceTotal revenue increased 13.5% year over year in 2025
60% confidence