OppFi (NYSE:OPFI), the specialty fintech platform, reported record-breaking financial results for the full year 2025, driven by surging loan demand and improved credit performance.
The Chicago-based company posted total revenue of $597.1 million, a 13.5% increase over the prior year, while net income skyrocketed 74.4% to $146.2 million.
The company’s adjusted metrics reflected a similarly robust trajectory.
Adjusted net income reached $139.8 million, a 69.1% jump year-over-year, resulting in an adjusted earnings per share (EPS) of $1.59.
OppFi’s ending receivables, a key indicator of future earning potential, grew to $493.1 million as the firm continues to capture market share in the non-prime consumer lending space.
Buoyed by the momentum of 2025, management issued aggressive guidance for the 2026 fiscal year.
OppFi expects total revenue to climb to a range of $650 million to $675 million.
Profitability is also expected to scale, with adjusted net income projected between $153 million and $160 million, translating to an adjusted EPS of $1.76 to $1.84.