Core Viewpoint - OppFi Inc. has released supplemental information regarding its outstanding warrants, emphasizing the potential positive impacts on its capital structure and the possibility of significant capital infusion if the warrants are exercised [2]. Company Overview - OppFi Inc. is a tech-enabled digital finance platform that collaborates with banks to provide financial products and services to everyday Americans, focusing on financial inclusion and customer experience [3]. - The company has a 4.5/5.0 star rating on Trustpilot based on over 4,900 reviews, indicating a strong consumer rating among financial platforms [3]. - OppFi holds a 35% equity interest in Bitty Holdings, LLC, which offers revenue-based financing and working capital solutions to small businesses [3]. Warrants Information - The company aims to inform stockholders and potential investors about the outstanding public warrants, which are nearing expiration, to evaluate their potential effects on the company's capital structure [2]. - The supplemental information regarding the warrants is accessible on the company's Investor Relations page and through a Current Report on Form 8-K filed with the U.S. Securities and Exchange Commission [2].

Core Viewpoint - OppFi Inc. (NYSE: OPFI) reported a strong quarter of earnings, leading to increased investor confidence in a bullish outlook for the company [1] Company Summary - The recent earnings update from OppFi reinforces previous bullish theses regarding the company's potential [1]

Summary of OppFi (OPFI) FY Conference Call - August 12, 2025 Company Overview - OppFi is a tech-enabled digital finance platform that partners with banks to provide financial products and services to everyday Americans [2][3] - The company has facilitated over $7.8 billion in gross loan issuance, covering more than 4.3 million loans since its inception in 2012 [3] - OppFi has maintained ten consecutive years of positive net income and profitability across various business cycles [3][4] Market Opportunity - There are approximately 60 million U.S. consumers facing credit insecurity with limited access to credit [4][5] - 43% of these consumers experience difficulties in paying bills, and 42% have less than a month of savings [5] Customer Profile - OppFi's typical customer is described as the "everyday American," often facing financial hardships [5][6] - 33% of customers are college-educated, and 28% own homes [7] Product Offering - The primary product is a simple interest amortizing installment loan with no balloon payments or fees [8][9] - Customers can receive same-day funding, and the company reports to three major credit bureaus, allowing customers to improve their credit scores [10][11] Underwriting and Risk Management - OppFi employs a cash flow underwriting model to assess borrowers' ability to repay loans [12] - The company has developed a machine learning model (Model Six) to enhance credit risk assessment and target creditworthy borrowers [18][19] - The new model has led to a 3.3% increase in originations without escalating charge-offs [20] Financial Performance - Q2 2025 total revenue was $142 million, reflecting a 13% year-over-year growth [37] - Adjusted net income for FY 2023 was $41 million, increasing to $83 million in 2024, representing a 99% increase [38] - Adjusted EPS rose from $0.49 to $0.95 per share [39] Growth Strategy - The company is focused on operational efficiencies, new partnerships, and strategic acquisitions to enhance market potential [23][24] - OppFi has invested in Bitty, a small business financing company, to diversify its product offerings [25][26] - Future product extensions may include retail installment loans, point-of-sale financing, and mobile banking solutions [25] Financial Health and Guidance - OppFi has a total funding capacity of $603.3 million, with $219 million in undrawn debt and $78.3 million in cash [41] - The company raised its revenue guidance for 2025 to a range of $578 million to $605 million, with adjusted net income guidance of $125 million to $130 million [41][42] Customer Satisfaction - OppFi boasts a high Net Promoter Score (NPS) of 79, indicating strong customer satisfaction [3][17] - 61% of customers return for additional funding due to positive past experiences [17] Conclusion - OppFi is well-positioned for growth in the digital finance space, with a strong focus on serving credit-marginalized consumers and leveraging technology for underwriting and customer service [2][4][18]

Core Viewpoint - Growth stocks are appealing due to their potential for above-average financial growth, but identifying stocks that can fulfill this potential is challenging [1] Company Summary - OppFi Inc. (OPFI) is identified as a promising growth stock with a favorable Growth Score and a top Zacks Rank [2] - The historical EPS growth rate for OppFi is 95.3%, with projected EPS growth of 49.5% this year, significantly surpassing the industry average of 11.3% [4] - OppFi's year-over-year cash flow growth is 61.8%, compared to the industry average of 5.6%, indicating strong cash accumulation capabilities [5] - The annualized cash flow growth rate for OppFi over the past 3-5 years is 19.4%, higher than the industry average of 13.1% [6] - Current-year earnings estimates for OppFi have increased by 15.4% over the past month, reflecting a positive trend in earnings estimate revisions [8] - OppFi has achieved a Zacks Rank 1 (Strong Buy) and a Growth Score of A, positioning it well for potential outperformance in the market [10]

Company Overview - OppFi Inc. (NYSE: OPFI) specializes in providing high-interest loans through partnerships with banks, utilizing a technological tool known as Model 6 to automate the loan process [1] Business Model - The primary activity of the company involves offering loans, which are facilitated through its banking partnerships, indicating a reliance on technology to streamline operations [1]

Core Insights - The article highlights the successful turnaround of fintech firm OppFi (NYSE: OPFI), which has recovered from a challenging SPAC deal and a history of poor loan performance [1]. Company Overview - OppFi has shown resilience and improvement in its operations, indicating a positive trajectory for the company [1]. Analyst Background - The analyst, Ian Bezek, has extensive experience as a hedge fund analyst and has conducted in-depth research in Latin American markets, focusing on high-quality growth stocks [2].

Core Viewpoint - OppFi Inc. (OPFI) has been upgraded to a Zacks Rank 2 (Buy) due to an upward trend in earnings estimates, which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Price Movement - The Zacks rating system is based on the Zacks Consensus Estimate, which reflects EPS estimates from sell-side analysts for the current and following years [1]. - Changes in a company's future earnings potential, as indicated by earnings estimate revisions, are strongly correlated with near-term stock price movements [4][6]. - Institutional investors utilize earnings estimates to calculate the fair value of a company's shares, leading to buying or selling actions that affect stock prices [4]. Implications of the Upgrade - The upgrade for OppFi indicates a positive outlook on its earnings, which could lead to increased buying pressure and a rise in stock price [3][5]. - Rising earnings estimates suggest an improvement in OppFi's underlying business, warranting investor confidence and potential stock appreciation [5]. Earnings Estimate Revisions for OppFi - OppFi is projected to earn $1.32 per share for the fiscal year ending December 2025, with no year-over-year change [8]. - Over the past three months, the Zacks Consensus Estimate for OppFi has increased by 7.3% [8]. Zacks Rank System Overview - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 (Strong Buy) stocks historically generating an average annual return of +25% since 1988 [7]. - Only the top 20% of Zacks-covered stocks receive a "Strong Buy" or "Buy" rating, indicating superior earnings estimate revisions [9][10].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 __________________________________________________________________ FORM 10-Q __________________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from__________to__________ Com ...

Core Insights - OppFi, Inc. (NYSE: OPFI) reported a total revenue of $142.4 million for 2Q25, reflecting a year-over-year increase of 12.8% [1][5] - Adjusted net income reached a record $39.4 million, up 59% year-over-year, with adjusted EPS rising to $0.45 from $0.29 in the prior-year period [1][5] - The net revenue margin improved to 70.4%, showing a year-over-year expansion of 206 basis points [1] Financial Performance - Total revenue increased by 12.8% year-over-year to $142.4 million [5] - Adjusted net income rose by 59% year-over-year to a record $39.4 million in 2Q25 [5] - Adjusted EPS increased to $0.45 compared to $0.29 in the same period last year [1] Operational Metrics - Average yield, annualized, increased by 130 basis points year-over-year to 136.1% [5] - Total net originations grew by 14% year-over-year to $233.9 million [5] - Adjusted net income margin expanded by 810 basis points year-over-year to 27.7% [1]

Core Insights - OppFi recorded a record quarterly revenue of $142.4 million, reflecting a year-over-year increase of 12.8% [2] - The company's Model 6 system achieved an 80% auto-approval rate while reducing net charge-offs, indicating operational improvements [2] - OppFi raised its full-year guidance for both revenue and adjusted net income due to strong performance and customer satisfaction, with a Net Promoter Score (NPS) of 79 [3] Revenue and Loan Size - The average loan size has increased by approximately $100 year-over-year, now approaching $5,000 [3] - The uptick in loan sizes is attributed to the company's ability to incrementally increase loan amounts while maintaining risk standards [3] Credit Access and Borrower Profile - OppFi targets borrowers with FICO scores below 650, where traditional lending options are limited, focusing on those who often lack access to credit [5] - The company emphasizes the importance of regular income and checking/savings accounts for borrowers, reporting repayment progress to credit bureaus to help customers build their credit profiles [6] - The ongoing credit access issue is highlighted, with many individuals facing challenges in building credit due to previous financial missteps or lack of understanding of personal finance [4][5]