Authorization Permits Company to Purchase an Additional $20 Million of Class A Common StockCHICAGO , Aug. 26, 2025 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans, today announced that its Board of Directors (the "Board") has approved an increase to the Company's existing share repurchase program. The Board has authorized the purchase of up to an additional $20 ...

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].

Financial Performance - Total revenue for Q2 2025 increased by 12.8% year-over-year to $142.4 million, a company record[11] - Adjusted Net Income for Q2 2025 was $39.4 million, an increase of $14.6 million year-over-year and a new company quarter record[11] - Net income was $11.5 million, a decrease of $16.2 million year over year[11] - Adjusted EPS increased 55% to $0.45 in Q2 2025[31] Key Performance Indicators - Total net originations increased 14% year-over-year to $234 million[44] - Total retained net originations increased 9% year-over-year to $206 million[44] - Ending receivables increased 13% year-over-year to $438 million[44] - The net charge-off rate as a percentage of total revenue decreased by 60 basis points year-over-year to 31.9%[13] Expense Management - Total expenses as a percentage of total revenue decreased by 610 basis points year-over-year to 38.9%[14] Customer Satisfaction - The company reported a Net Promoter Score (NPS) of 79 for Q2 2025 at the time of loan approval[15] Free Cash Flow and Capital Allocation - $63.8 million of Free Cash Flow was generated in the first half of 2025[51]

Core Viewpoint - OppFi Inc. (OPFI) is set to report its second-quarter 2025 results on August 6, with expected revenues of $141.6 million, reflecting a 12.1% year-over-year increase, and earnings per share (EPS) anticipated to rise by 3.5% to $0.30 [1][8]. Financial Performance - The Zacks Consensus Estimate for revenues in Q2 2025 is $141.6 million, indicating a 12.1% increase from the previous year [1]. - The consensus EPS estimate is set at 30 cents, which represents a 3.5% rise from the year-ago figure [1]. - The company has a history of earnings surprises, having beaten the Zacks Consensus Estimate in the last four quarters with an average surprise of 59.5% [2]. Earnings Prediction - Current analysis indicates a low probability of an earnings beat for OppFi, with an Earnings ESP of 0.00% and a Zacks Rank of 3 (Hold) [3][4]. - There have been no changes in analyst estimates or revisions recently, maintaining a consistent EPS forecast [2]. Customer Strategy - OppFi's customer-centric approach, supported by AI and machine learning, is expected to drive revenue growth by increasing auto-approval rates and enhancing client satisfaction [5][8]. - The company reported a 4.7/5.0-star rating on Trustpilot and a Net Promoter Score of 78, indicating strong customer loyalty and satisfaction [6]. Stock Performance - OppFi's stock has surged 203.1% over the past year, outperforming its industry (22.4% increase) and the Zacks S&P 500 composite (19.5% increase) [9]. - The stock is currently trading at a trailing 12-month price-to-earnings ratio of 7.99, significantly lower than the industry average of 21.65 and cheaper than peers WEX and Corpay [11]. Market Position and Risk Management - OppFi focuses on the underbanked population, which involves high credit risk, but has effectively implemented risk management strategies to minimize losses [13]. - The net charge-off rate as a percentage of total revenues decreased by 1300 basis points year-over-year in Q1 2025, showcasing the effectiveness of its risk mitigation strategies [14]. - Despite the potential for growth in serving the underbanked, concerns about credit risk remain due to the high probability of default [15]. Investment Considerations - The company is fundamentally strong with a discounted valuation, appealing to investors, but caution is advised due to the inherent risks in its primary market [16]. - Existing investors are recommended to hold the stock, while new buyers should consider waiting until after the earnings release to assess performance [17].

Core Insights - OppFi Inc. (OPFI) shares have surged 222.1% over the past year, significantly outperforming its industry growth of 10.3% and the Zacks S&P 500 Composite's 11% increase [1] - The stock has also shown strong performance over the last six months, increasing by 44.5%, compared to Mastercard's 6.3% and PayPal's 15.1% growth [4] Company Strategy - OppFi employs a bank-partner model that focuses on serving underbanked consumers with credit scores below 650, addressing a gap in traditional lending options [5] - The company has integrated AI and machine learning to enhance its service efficiency, achieving an auto-approval rate of 79% in Q1 2025, up from 73% in the same quarter the previous year [6][7] Customer Satisfaction - In Q1 2025, OppLoans received a 4.7 out of 5-star rating on Trustpilot from over 4,900 reviews, indicating strong customer satisfaction [8] - The company boasts a Net Promoter Score (NPS) of 78, reflecting a loyal customer base willing to promote the brand [8] Financial Metrics - OppFi shares are currently undervalued, trading at 9.27 times forward 12-month earnings per share, compared to the industry average of 21.68 times [9] - The trailing 12-month EV-to-EBITDA ratio for OPFI is 6.29 times, below the industry's average of 11.4 times [11] - The company's current ratio stands at 1.73 in Q1 2025, exceeding the industry average of 1.22, indicating strong liquidity [13] Revenue and Earnings Projections - The Zacks Consensus Estimate for OppFi's 2025 revenues is $578.4 million, reflecting a 10% year-over-year growth [15] - The consensus estimate for 2025 earnings per share is $1.23, implying a 29.5% year-over-year increase [15]

Core Insights - OppFi's customer-centric approach differentiates it in the alternative lending market, focusing on customer experience, trust, and financial inclusion [1] - The bank-partner model targets consumers with FICO scores below 650, expanding access to credit for underserved populations [2] - Advanced AI and machine learning have improved OppFi's auto-approval rate to 79% in Q1 2025, up from 73% the previous year, enhancing the application process [3] - Customer satisfaction is reflected in a 4.7/5.0-star rating on Trustpilot and an A+ rating from the Better Business Bureau, indicating strong credibility [4] - OppFi's Net Promoter Score (NPS) of 78 shows a loyal customer base willing to advocate for the brand, contributing to its reputation [5] - The U.S. alternative lending market is projected to grow at a CAGR of 25.4% from 2025 to 2030, positioning OppFi favorably for market share capture [6] Financial Performance - OppFi's stock has increased by 297.4% over the past year, outperforming competitors like PayPal (28.6% increase) and Paysafe (-26.8% decrease), while the industry overall has risen by 28.1% [7] - The company trades at a forward price-to-earnings ratio of 10.62, significantly lower than the industry average of 22.84, and compared to PayPal's 13.86 and Paysafe's 4.95 [10] - The Zacks Consensus Estimate for OppFi's earnings in 2025 is $2.38 per share, indicating an 11.2% year-over-year growth [12]

Market Overview - The S&P 500 experienced a 6% increase in May, marking its best performance since 1990 and the strongest monthly performance since November 2023 [1] - The Nasdaq surged nearly 10% in May, driven by a resurgence in technology stocks, with further gains of 0.7% on Monday and 1% through midday trading on Tuesday [1] Investment Sentiment - The current bullish sentiment is supported by growth in tech earnings and progress in trade negotiations, with investors aiming to break above a key trading range to reach new all-time highs [2] - Zacks Rank 1 (Strong Buy) stocks are highlighted as outperformers in various market conditions, with over 200 stocks currently holding this rank [3] Stock Screening Strategy - A stock screening strategy is proposed, focusing on three key filters to identify high-potential stocks [4] - Zacks Rank equal to 1, which has historically provided an average annual return of approximately 24.4% since 1988 [5] - Positive percentage change in Q1 earnings estimates over the last four weeks [6] - Top 5 stocks with the best average broker rating changes over the last four weeks [7] Featured Stock: OppFi (OPFI) - OppFi is identified as a promising fintech stock, partnering with community banks to provide financial products to underserved middle-income Americans [8] - The company's digital platform utilizes AI-driven underwriting for responsible lending and offers financial education to improve customer financial health [10] - OppFi is projected to grow earnings by 30% this year and 9% next year, with revenue growth of 10% and 4% respectively [11] - The stock has increased by 300% over the past 12 months, significantly outperforming its Business Services sector, and is currently trading 22% below its February peaks [12]

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 ...

Core Viewpoint - OppFi Inc. (OPFI) is expected to report first-quarter 2025 results on May 7, with revenue estimates of $137.7 million, indicating an 8.1% growth year-over-year, and earnings per share estimated at 26 cents, reflecting over 100% growth from the previous year [1] Financial Performance - The company has a strong earnings surprise history, beating the Zacks Consensus Estimate in the last four quarters with an average earnings surprise of 73% [2] - OPFI's Earnings ESP is currently at 0.00%, and it holds a Zacks Rank of 1 (Strong Buy) [3][4] Market Position and Strategy - OppFi's strategy focuses on providing affordable credit to underbanked customers, a market projected to grow at a 13% CAGR, reaching $7 trillion by 2032 [5] - The company targets subprime and non-prime credit holders often overlooked by traditional financial institutions [6] Stock Performance - OppFi shares have increased by 245.3% over the past year, outperforming the industry average of 21.7% and the Zacks S&P 500 composite's 10.7% rise [7] - The stock is currently trading at a trailing 12-month price-to-earnings ratio of 8.70, significantly lower than the industry average of 22.84 and cheaper than peers Corpay and Evertec [10] Operational Efficiency - In Q4 2024, total net originations grew by 11% year-over-year, driven by bank partners expanding into new states and improved lead evaluation capabilities [11] - The proportion of net charge-offs to revenue decreased from 46% to 42%, indicating better asset quality and risk management [12] - The company's machine learning models improved credit evaluation, increasing average yield to 130% from 127% year-over-year [13] - Automated loan approval technology approved 79.5% of loans without human intervention, a 630 basis point increase from the previous year, enhancing cost management [14] Investment Outlook - OppFi is positioned to benefit from bank partnerships and improved risk management through its machine learning models, which reduce losses [15] - The company is fundamentally strong with a discounted valuation, suggesting potential for continued stock price appreciation [17]

Core Viewpoint - Both OppFi Inc. (OPFI) and Futu Holdings Limited (FUTU) are fintech companies leveraging technology to transform traditional financial services, attracting growth-oriented investors seeking opportunities in the fintech sector [1][2] Company Overview - Futu Holdings provides fully digitalized financial services, focusing on online brokerage and wealth management primarily in the China market, while OppFi offers alternative lending solutions to underserved U.S. customers [2] - Both companies aim to disrupt traditional financial services through advanced technology [2] OppFi's Case - OppFi's strategy targets affordable credit for underbanked customers, with a projected market growth of 13% CAGR, reaching a $7 trillion market by 2032 [3] - The company utilizes AI and machine learning to enhance credit evaluation, improving the identification and approval of higher-quality applicants [4] - In Q4 2024, 79.5% of OppLoans were approved instantly without human intervention, marking a 630 basis point increase from Q4 2023, contributing to a 60 basis point reduction in expenses before interest year over year [5] Futu Holdings' Case - Futu challenges traditional brokerage with a fully digital platform and low fees, utilizing AI for operational efficiency, resulting in a 116% increase in operating income and a 690 basis point improvement in margin year over year in Q4 2024 [6] - The company launched various AI-driven features to enhance client experience, including automatic interpretation of corporate announcements [7] - Futu's product velocity was high in Q4 2024, with 209 iterations of its mobile and desktop applications and a 28.7% year-over-year increase in registered clients, leading to an 87% surge in top-line revenue [8][9] Financial Estimates - The Zacks Consensus Estimate for Futu's 2025 sales and EPS indicates year-over-year growth of 19.1% and 31.5%, respectively [11] - For OppFi, the estimates show 9.7% growth in sales and 12.6% in EPS for 2025 [12] Valuation Comparison - Futu Holdings trades at a forward earnings multiple of 12.57X, below its 12-month median of 14.22X, while OppFi's forward earnings multiple is 8.41X, higher than its median of 6.73X [13] Conclusion - Both OPFI and FUTU are notable fintech players, but OPFI is viewed as a more compelling investment opportunity due to its focus on advanced AI and ML in the underserved U.S. credit market, operational efficiency, and ability to disrupt traditional lending [15]