OppFi Guides 9%-13% Revenue Growth, Projects $1.76-$1.84 EPS for 2026
OppFi Inc reported 13.5% total revenue growth and 69% adjusted net income increase in 2025, with interest expense down to 6% and pre-interest expenses reduced to 28% of revenue. It guided 2026 revenue of $650 million to $675 million, adjusted EPS of $1.76–1.84 and plans to launch Model 6.1 and the LOLA system.
1. Q4 2025 Financial Results
OppFi Inc delivered a 13.5% increase in total revenue and a 69% rise in adjusted net income for 2025. Interest expense fell to 6% of revenue and total expenses before interest declined to 28%, while net charge-offs rose to 59% of receivables and 45% of revenue due to higher summer vintage delinquencies.
2. 2026 Guidance
The company forecasts 2026 revenue of $650–675 million, adjusted net income of $153–160 million and EPS of $1.76–1.84, representing growth of 9%–16%. Management highlighted its capacity for share repurchases, exploration of M&A opportunities and potential special dividends supported by strong free cash flow.
3. Technology Upgrades and Risk Controls
OppFi plans to deploy its LOLA origination and servicing platform alongside Model 6.1 in the first half of 2026 to boost originations and enhance risk-based pricing. The earlier Model 6 improved predictive accuracy, and AI-driven development has accelerated the rollout of new credit models to respond rapidly to economic shifts.