OppFi Inc. Reports Strong Financial Performance and Raises Guidance
In a remarkable display of financial prowess, OppFi Inc., a leading software company specializing in financial technology platforms, has announced record-breaking results for the second quarter of 2025. The company, which operates globally with its main base in Itasca, United States, has seen its revenue and adjusted net income soar, prompting a revision of its full-year guidance.
On August 6, 2025, OppFi reported a significant increase in both its quarterly revenue and adjusted net income. The company’s total revenue for the quarter rose by 12.8% year over year, reaching a record $142.4 million. This growth was accompanied by a 59.0% increase in adjusted net income, which hit a new company record of $39.4 million. Despite a 58.5% decrease in GAAP net income year over year, the adjusted figures paint a promising picture for the company’s financial health.
The company’s average yield, annualized, also saw a substantial increase of 130 basis points year over year, reaching 136.1%, another record for OppFi. Additionally, the net charge-off rate as a percentage of total revenue decreased by 60 basis points year over year to 31.9%, indicating improved financial stability and risk management.
In light of these impressive results, OppFi has raised its revenue guidance for the full year 2025 to between $578 million and $605 million, up from the previous range of $563 million to $594 million. Similarly, the adjusted net income guidance for the full year has been increased to between $125 million and $130 million, up from the earlier forecast of $106 million to $113 million.
These updates come as OppFi continues to expand its role as a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans. The company’s focus on financial inclusion and exceptional customer experience remains at the forefront of its operations.
In addition to the financial results, OppFi announced that Pam Johnson, the company’s CFO, will present at the Oppenheimer 28th Annual Technology, Internet & Communications Conference on August 12. The presentation will be available via a video webcast, with an archive accessible on the company’s website for 90 days following the event.
As of August 4, 2025, OppFi’s stock closed at $9.99 on the New York Stock Exchange, with a market capitalization of approximately $261.47 million. The company’s stock has experienced significant volatility over the past year, with a 52-week high of $17.728 on February 6, 2025, and a 52-week low of $3.88 on August 7, 2024.
Overall, OppFi’s strong financial performance and optimistic outlook for the remainder of 2025 reflect the company’s robust growth trajectory and commitment to providing accessible financial services to underserved consumers.