OppFi Inc. (OPFI) Q3 Earnings and Revenues Beat Estimates

Core Insights - OppFi Inc. (OPFI) reported quarterly earnings of $0.46 per share, exceeding the Zacks Consensus Estimate of $0.31 per share, and up from $0.33 per share a year ago, representing an earnings surprise of +48.39% [1] - The company achieved revenues of $155.09 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 1.67% and increasing from $136.59 million year-over-year [2] - OppFi shares have increased approximately 30.4% since the beginning of the year, outperforming the S&P 500's gain of 17.2% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.28 on revenues of $153.59 million, and for the current fiscal year, it is $1.42 on revenues of $588.89 million [7] - The estimate revisions trend for OppFi was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Financial Transaction Services industry, to which OppFi belongs, is currently ranked in the bottom 43% of over 250 Zacks industries, suggesting potential challenges for stock performance [8] - Repay Holdings (RPAY), another company in the same industry, is expected to report quarterly earnings of $0.20 per share, reflecting a year-over-year decline of -13%, with revenues anticipated to be $76.93 million, down 2.8% from the previous year [9]