Financial Data and Key Metrics Changes - The first quarter of 2025 was a record quarter for the company, achieving record quarterly revenue, adjusted net income, and operating margin [5][11] - Total revenue increased to $140 million, up 10% year over year, while adjusted net income surged 285% to a record $34 million, up from $9 million [13][15] - Adjusted earnings per share grew significantly to $0.38 from $0.10 last year [15] - The annualized net charge off rate improved to 35% from 48%, and total expenses before interest expense declined to $38 million, an 18% decrease [8][15] Business Line Data and Key Metrics Changes - Net originations grew 16% to $189 million, with retained net originations increasing 11% to $169 million [13] - The auto approval rate improved to 79% in Q1 2025, up from 73% in Q1 2024, contributing to a 44% increase in net revenue to $91 million [8][14] - The company’s investment in Biddy continued to drive profitability and cash flow, indicating strong performance in the small business financing sector [10] Market Data and Key Metrics Changes - The company noted a significant imbalance between supply and demand for working capital among small businesses, highlighting growth opportunities in this market [10] - The credit quality of the customer base improved, resulting in a 15% decrease in gross charge offs to $59 million and a 25% increase in recoveries to $11 million [13] Company Strategy and Development Direction - The company is focused on becoming a leading tech-enabled digital finance platform, collaborating with banks to offer financial products and services to everyday Americans [11] - The strategy includes exploring new direct response initiatives and expanding marketing channel partners to sustain growth [6] - The company is actively looking for inorganic growth opportunities, particularly in the small business and consumer POS spaces [28] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in continued strong revenue momentum and profitable growth throughout 2025 and into 2026 [11] - The company anticipates that operational improvements and investments will continue to generate strong results for the foreseeable future [12] - Management noted stability in consumer behavior despite macroeconomic uncertainties, with no significant changes observed in customer patterns [42] Other Important Information - The company paid off its corporate debt in Q1 2025 and maintained a strong balance sheet with $91 million in cash and cash equivalents [6][15] - A special dividend of $21.7 million was paid, reflecting the company's financial strength and commitment to rewarding shareholders [7][25] Q&A Session Summary Question: What changed regarding the adjusted net income beat from the previous guidance? - Management indicated that operational efficiencies and strong repayment rates contributed to better-than-expected results [20][22] Question: Are there any hesitations in investing in small businesses due to macro uncertainty? - Management confirmed that they are actively assessing underwriting and believe Biddy's short-duration products position them well to navigate uncertainties [23][24] Question: What is the thought process behind moving towards regular dividends? - Management emphasized the importance of preserving flexibility for capital deployment while rewarding shareholders [26][27] Question: What are the criteria for potential inorganic opportunities? - Management is focused on the small business space and consumer POS, looking for synergies with current offerings [28] Question: How is the yield and credit box performing amid macro trends? - Management stated they have maintained discipline in their credit box, leading to improved yields due to better repayment rates [34] Question: Are there plans for share repurchases? - Management is considering share repurchases but is weighing it against other attractive capital options [36] Question: What are the current customer patterns in light of macro events? - Management reported stable customer behavior and no significant changes in borrowing activities [41][42] Question: How many more levers are available for cost discipline? - Management highlighted continuous improvement in operational efficiency as a core focus, with ongoing efforts to enhance auto approval rates [45][46] Question: What is the outlook for Q2 and the remainder of the year? - Management expressed optimism about growth momentum and the execution of their larger vision for the business [50][52]

Non-GAAP Financial Measures Q1 2025 Earnings Presentation May 7, 2025 Disclaimer This presentation (the "Presentation") of OppFi Inc. ("OppFi" or the "Company") is for information purposes only. Certain information contained herein has been derived from sources prepared by third parties. While such information is believed to be reliable for the purposes used herein, the Company makes no representation or warranty with respect to the accuracy of such information. Trademarks and trade names referred to in thi ...

OppFi Inc. (OPFI) will report first-quarter 2025 results on May 7, before market open.The Zacks Consensus Estimate for revenues in the to-be-reported quarter is pegged at $137.7 million, suggesting 8.1% growth from the year-ago quarter’s actual. The consensus mark for earnings per share is pegged at 26 cents per share, indicating a more than 100% surge from the year-ago reported figure. Two estimates for the first quarter of 2025 have moved north in the past 60 days versus no southward revision. Image Sourc ...

Both OppFi Inc. (OPFI) and Futu Holdings Limited (FUTU) are fintech companies employing technology to reshape traditional financial services. Growth-oriented investors seeking to dip their fingers in the fintech domain are attracted to this disruptive innovation.Futu Holdings offers fully digitalized financial services in terms of online brokerage and wealth management, mainly serving the China market. In contrast, OppFi provides alternative lending solutions to underserved and underbanked U.S. customers. D ...

OppFi Inc. (OPFI) shares have skyrocketed 202.9% in a year, outperforming the 16.8% rise of its industry and the 9.6% increase in the Zacks S&P 500 Composite.OPFI performed significantly better than its industry peers, Fiserv, Inc. (FI) and Paymentus Holdings, Inc. (PAY) . FI and PAY shares have rallied 44.7% and 57.6% in a year.One-Year Price Performance Image Source: Zacks Investment Research OppFi has also outperformed its industry, Fiserv and Paymentus Holdings in the past six months. OPFI shares have s ...

The Business Services group has plenty of great stocks, but investors should always be looking for companies that are outperforming their peers. Information Services Group (III) is a stock that can certainly grab the attention of many investors, but do its recent returns compare favorably to the sector as a whole? Let's take a closer look at the stock's year-to-date performance to find out.Information Services Group is a member of the Business Services sector. This group includes 272 individual stocks and c ...

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Group 1 - The article highlights the impact of President Trump's recently announced universal and "reciprocal" tariffs, which are viewed as an international black swan event, and emphasizes the importance of monitoring the response of US consumers [1] Group 2 - The content discusses the role of freelance financial writers in creating engaging narratives around financial data, focusing on thematic investing, market events, and client education [2]

OppFi Inc. (OPFI) shares have jumped 36.9% in the year-to-date period, outperforming the 1.9% rise of its industry and the 4.1% decline in the Zacks S&P 500 Composite.OPFI’s performed significantly better than its industry peers, Sezzle Inc. (SEZL) and Remitly Global, Inc. (RELY) . SEZL and RELY shares have declined marginally and 8.2% year-to-date period, respectively.YTD Price Performance Image Source: Zacks Investment Research In the last trading session, the OPFI stock closed at $9.8, moving down 82.7% ...

A downtrend has been apparent in OppFi Inc. (OPFI) lately with too much selling pressure. The stock has declined 29.4% over the past four weeks. However, given the fact that it is now in oversold territory and Wall Street analysts are majorly in agreement about the company's ability to report better earnings than they predicted earlier, the stock could be due for a turnaround.Guide to Identifying Oversold StocksWe use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spo ...