OppFi (US:OPFI) Newsfile·2025-10-30 14:11Core Insights - OppFi, Inc. (NYSE: OPFI) reported strong financial results for 3Q25, with total revenue of $155.1 million, adjusted net income of $40.7 million, and adjusted EPS of $0.46, surpassing consensus estimates [1][7] Financial Performance - Total revenue increased by 13.5% year-over-year to $155.1 million, driven by record revenue and growth in new customer originations [1][7] - Adjusted net income rose by 41.0% year-over-year to a record $40.7 million, reflecting improved operating discipline and scale benefits [1][7] - Net income increased by 136.9% year-over-year to $75.9 million, primarily due to lower expenses and a non-cash gain from lower warrant fair value [1] - Adjusted EPS increased to $0.46 from $0.33 in the prior-year period [1] Margins and Growth - Net revenue margin for the quarter was 67.4%, showing a year-over-year expansion of 70 basis points from 3Q24 [1] - Adjusted net income margin expanded by 520 basis points year-over-year to 26.3% [1] Outlook - The company raised its FY25 outlook for the third consecutive quarter, guiding revenue to a range of $590 million to $605 million and adjusted net income to $137 million to $142 million, with adjusted EPS projected between $1.54 and $1.60 [7]