Core Insights - OppFi's proprietary AI and machine learning-based automated underwriting engine, Model 6, has significantly contributed to its record financial performance, with a 136.9% year-over-year increase in net income and a 13.5% growth in revenues in Q3 2025 [1][8] Financial Performance - In Q3 2025, OppFi achieved a net income increase of 136.9% year-over-year, while revenues grew by 13.5%, indicating strong operational efficiency [1][8] - The auto-approval rate reached 79.1%, a 3% increase year-over-year, enhancing operational efficiency and maintaining total expense growth at just 0.1% year-over-year [2][8] - Adjusted net income surged by 82.7%, with adjusted EPS increasing by 78.9% [2] Credit Assessment Improvements - The introduction of Model 6.1 has led to an 11.2% year-over-year decrease in net charge-offs as a percentage of total revenues and a 9.5% decline in net charge-offs as a percentage of average receivables for the nine months ending September 30, 2025 [3] Guidance and Outlook - Management raised its full-year adjusted net income guidance to $137-$142 million from the previous estimate of $125-$130 million, and adjusted EPS outlook was increased to $1.54-$1.60 from $1.39-$1.44 [4] Stock Performance and Valuation - OppFi's stock price increased by 24.1% over the past year, outperforming its industry, which saw a 6.2% decline, and the Zacks S&P 500 Composite, which rose by 20.3% [5] - The stock trades at a forward 12-month price-to-earnings ratio of 5.98X, lower than competitors Evertec's 8X and Fidelity National Information Services' 10.58X [9] Earnings Estimates - The Zacks Consensus Estimate for OppFi's earnings per share remains unchanged at $1.57 for 2025 and $1.71 for 2026 over the past 60 days [12]