OPFI Earnings Prediction
The chart below shows how OPFI performed 10 days before and after its earnings report, based on data from the past quarters. Typically, OPFI sees a -1.91% change in stock price 10 days leading up to the earnings, and a +5.85% change 10 days following the report. On the earnings day itself, the stock moves by +4.04%. This data can give you a slight idea of what to expect for the next quarter's release.
OPFI Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
--
--
--
Gross Margin
--
--
--
Operating Margin
--
--
--
Net Margin
--
--
--
EPS
--
--
--
No Data Available
OPFI Earnings Analysis
OppFi Inc Corporation (OPFI.N) Earnings Conference Call
Positive
Earnings Per Share Beat: OppFi Inc. reported an EPS of $0.23, exceeding expectations of $0.14.
Record Revenue Achievement: The company achieved record total revenue for Q4 and the full year of 2024, indicating strong financial performance.
Q1 2025 Income Expectations: Expectations for Q1 2025 adjusted net income have been increased by more than 2 times due to solid performance.
Auto Approval Improvement: The auto approval percentage improved to almost 80% in Q4 2024 from 73% in Q4 2023, enhancing funnel metrics and contributing to a 23% year-over-year increase in net revenue.
Enhanced Credit Evaluation Process: The continuous refinement of the machine learning model has improved the credit evaluation process, allowing for better identification and approval of higher quality applicants.
Enhanced Risk Evaluation: OppFi launched Model 6 in 2024, which enhances risk evaluation and targets better quality borrowers, contributing to improved operational efficiency.
Improved Charge-Off Rates: Net charge-off rates improved by 10% as a percentage of revenue compared to the prior year, indicating better risk management.
Negative
Revenue Growth Fluctuations: Despite beating earnings expectations, the company faced challenges in maintaining consistent growth, as indicated by fluctuations in revenue growth rates throughout the year.
Auto Approval Sustainability Concerns: The improvement in auto approval percentage to almost 80% may not be sustainable, raising concerns about the long-term viability of this growth strategy.
Charge-Off Rate Improvement Risks: While net charge-off rates improved by 10%, there is still a risk associated with long-term charge-offs that could impact future profitability.
AI Credit Evaluation Risks: The reliance on AI tools and machine learning models for credit evaluation may expose the company to technological risks and potential inaccuracies in borrower assessments.
Future Performance Risks: The company’s guidance for 2025, while optimistic, may not account for potential economic downturns or regulatory changes that could affect performance.
OPFI FAQs
How does OPFI typically perform around its earnings report dates?
Is OppFi Inc (OPFI) Q4 2024 Earnings Call Summary positive or negative?
How can historical earnings data help predict future stock performance?
OPFI Earning Call Sentiment
OppFi Inc. (NYSE:OPFI) Q4 2024 Earnings Call Transcript
OPFI.N
2.04%Positive
The earnings call indicates strong financial performance with record revenue and EPS growth, improved net charge-off rates, and enhanced operational capabilities through AI innovation. Despite potential regulatory and market risks, the company’s increased guidance for 2024 and 2025, coupled with a share repurchase program, suggests a positive outlook. The Q&A session reinforced confidence in growth strategies and risk management. Overall, the sentiment leans positive, with stock likely to rise 2% to 8%.
