OppFi to present at Stephens Investment Conference
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 06 2025
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Should l Buy OPFI?
Source: PRnewswire
Company Presentation: OppFi Inc. will have its CFO, Pam Johnson, present at the Stephens Annual Investment Conference in Nashville on November 19, 2025, at 1:00 p.m. CT/2:00 p.m. ET, with a video webcast available for viewing.
About OppFi: OppFi is a digital finance platform that collaborates with banks to provide financial products to underserved Americans, emphasizing financial inclusion and customer experience, and has a high rating on Trustpilot.
Equity Interest: OppFi holds a 35% equity interest in Bitty Holdings, LLC, which offers revenue-based financing and working capital solutions to small businesses.
Webcast Availability: The presentation webcast will be archived on OppFi's website for 90 days after the event for those unable to attend live.
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Analyst Views on OPFI
About OPFI
OppFi Inc. is a tech-enabled, mission-driven specialty finance platform. It provides customer experience in the industry and enables banks to offer credit products. Its primary product is offered by its OppLoans platform. The OppFi platform is a mobile-optimized online application where eligible applicants, at their request, are able to opt into the OppFi TurnUp Program. This program helps these applicants find more affordable credit options by checking the market voluntarily on their behalf for a sub-36% annual percentage rate, products offered by third-party lenders through other platforms. It collects and calculates more than 500 attributes on loan applications for use in underwriting decisions. These attributes are based on data from credit bureaus, bank transactions and loan applications. Using this information, OppFi generates a score in combination with scores generated by third-party providers. It offers a same-day funding service in collaboration with its partner banks.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Conference Call Details: Management will host a conference call on May 7 at 9:00 a.m. ET to discuss financial results and business outlook, enhancing transparency and engaging with investors to boost market interest in the company.
- Webcast Availability: The conference call will be available via webcast on OppFi's Investor Relations section, allowing global investors to access real-time information, thereby increasing the company's visibility among investors.
- Customer Satisfaction: OppFi's OppLoans maintains a high rating of 4.4/5.0 on Trustpilot with over 5,400 reviews, reflecting the company's strong reputation among consumers, which helps attract more customers and enhances market competitiveness.
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- Conference Call Details: Management will host a conference call on May 7 at 9:00 a.m. ET to discuss financial results and business outlook, enhancing transparency and engaging with investors to boost market interest in the company.
- Webcast Availability: The conference call will be available via webcast on OppFi's Investor Relations section, allowing global investors to access real-time information, thereby increasing the company's visibility among investors.
- Customer Satisfaction: OppFi's OppLoans maintains a high rating of 4.4/5.0 on Trustpilot with over 5,400 reviews, reflecting the company's strong reputation among consumers, which helps attract more customers and enhances market competitiveness.
See More
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- Significant Revenue Growth: OppFi reported total revenue of $159 million in Q4, a 17% year-over-year increase, driven by the implementation of Model 6, which enhanced risk pricing and underwriting capabilities, thereby supporting sustained business growth.
- Record Net Income: Adjusted net income reached $26 million, a 27% increase from the previous year, with earnings per share rising from $0.23 to $0.30, reflecting a substantial improvement in profitability that boosts investor confidence.
- Optimistic Future Outlook: The company expects total revenues for 2026 to range between $650 million and $675 million, representing a 9% to 13% increase over 2025, and plans to launch a new line of credit product to further expand its market and customer base.
- Ongoing Technological Innovation: OppFi plans to fully migrate to the LOLA system by Q3 2026, which is expected to enhance automated approval efficiency and overall operational capabilities, strengthening the company's position in the competitive fintech market.
See More
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- Net Income Surge: OppFi Inc. reported a 74.4% year-over-year increase in net income to $146.2 million for 2025, setting a new company record that underscores its strong growth momentum in the digital finance sector, likely enhancing shareholder value moving forward.
- Record EPS: Basic and diluted earnings per share (EPS) rose to $0.99 each, an increase of $0.63 year-over-year, reflecting a significant improvement in profitability that boosts investor confidence and positions the company favorably in the market.
- Substantial Revenue Growth: Total revenue for 2025 reached $597.05 million, a 13.5% increase from the previous year, indicating sustained demand for OppFi's financial products and services, which further solidifies its market position.
- Share Repurchase Update: In 2025, OppFi repurchased 1,541,949 shares of Class A Common Stock for a total of $15.5 million, demonstrating confidence in its stock value while laying the groundwork for future capital structure optimization.
See More
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- Significant Net Income Growth: OppFi Inc. reported a 74.4% year-over-year increase in net income to $146.2 million for 2025, setting a new company record that reflects strong momentum in the digital finance sector, likely enhancing shareholder value moving forward.
- Record Earnings Per Share: Basic and diluted earnings per share (EPS) rose to $0.99 each, an increase of $0.63 year-over-year, indicating a substantial improvement in profitability that boosts market confidence in the company's future performance.
- Adjusted Net Income Surge: Adjusted net income increased by 69.1% year-over-year to $139.8 million, demonstrating significant achievements in cost control and operational optimization, laying a solid foundation for sustainable growth ahead.
- Optimistic 2026 Outlook: OppFi anticipates total revenue for 2026 to reach between $650 million and $675 million, representing a year-over-year growth of 9% to 13%, with adjusted net income projected at $153 million to $160 million, further solidifying its market leadership.
See More
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- Earnings Beat: OppFi reported a Q4 non-GAAP EPS of $0.30, exceeding expectations by $0.02, indicating ongoing improvements in profitability and boosting investor confidence.
- Revenue Growth: The company's Q4 revenue reached $159.25 million, reflecting a 17.3% year-over-year increase, although it fell short of market expectations by $0.55 million, highlighting competitive pressures in a rapidly growing market.
- 2026 Financial Guidance: OppFi projects total revenue for 2026 to be between $650 million and $675 million, representing a year-over-year growth of 9% to 13%, which indicates confidence in future growth despite being below the $663.07 million consensus.
- Adjusted EPS Outlook: The adjusted EPS is expected to range from $1.76 to $1.84, reflecting an 11% to 16% increase year-over-year based on an approximate weighted average diluted share count of 87 million, demonstrating the company's robust performance in profitability.
See More
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- Revenue Expectations: The anticipated revenue for Q4 is $159.8 million, representing a 17.7% year-over-year growth, indicating sustained growth in customer demand and market expansion, which may positively impact its stock price.
- Performance Record: Over the past two years, OppFi has beaten EPS estimates 100% of the time and revenue estimates 88% of the time, enhancing investor confidence and potentially attracting more institutional interest in the stock.
- Estimate Revisions: In the last three months, there have been no upward revisions for EPS or revenue estimates, with one downward revision each, reflecting a cautious market sentiment regarding the company's future growth, prompting investors to closely monitor the upcoming earnings report for future trends.
See More
