OppFi (OPFI) Q2 Revenue Jumps 13%

OppFi (NYSE:OPFI), a digital lending platform focused on serving consumers who are underserved by traditional financial institutions, reported its second-quarter 2025 financial results on August 6, 2025. OppFi set new records for both revenue and adjusted net income (non-GAAP), marking its strongest quarter to date, as total revenue (GAAP) reached $142.4 million and adjusted net income (non-GAAP) reached $39.4 million. Revenue (GAAP) reached $142.4 million, ahead of the $141.2 million analyst estimate (GAAP) and up 12.8% year over year (GAAP). Adjusted EPS (non-GAAP earnings per share, a profit figure that excludes certain one-time costs) came in at $0.45, outpacing the consensus non-GAAP EPS estimate of $0.295 and representing a rise of 55.1% year over year. On a GAAP (Generally Accepted Accounting Principles) basis, however, net income fell sharply due to a sizable one-time non-cash charge. Overall, the period showed robust growth in OppFi’s core business alongside progress in automation and credit quality, though accounting volatility remains a key factor for investors to monitor.

Source: Analyst estimates provided by FactSet. Management expectations based on management's guidance, as provided in Q1 2025 earnings report.

OppFi specializes in offering installment loans to consumers who often lack access to traditional credit. Its platform uses algorithms and automation to underwrite and issue loans quickly. Since its founding through December 31, 2024, OppFi has facilitated over $7.2 billion in gross loan originations.

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Source Fool.com