OppFi (US:OPFI)2025-08-06 13:00Financial 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]