OppFi Inc. Q4 2025 Earnings Call Summary

Record 2025 performance was driven by the implementation of Underwriting Model 6, which enhanced risk-based pricing and enabled larger loan amounts for creditworthy segments. Management attributed a summer spike in delinquencies to a sharp decline in the consumer sentiment index, which they countered by rapidly adjusting underwriting and pricing. Operational efficiency improved significantly as the auto-approval rate reached 79%, reducing the need for human interaction and supporting a 48% year-over-y ...