OppFi (US:OPFI)2025-10-29 13:00Financial Performance Highlights - Total Revenue for Q3 2025 increased by 13.5% year-over-year to $155.1 million, setting a new company record[12] - Net income for Q3 2025 was $75.9 million, a $43.9 million increase year-over-year, resulting in a net income margin of 49.0%[12] - Adjusted Net Income for Q3 2025 reached $40.7 million, up $11.9 million year-over-year, with an adjusted net income margin of 26.3%, representing a 520 basis points expansion[13] - Total expenses as a percentage of total revenue decreased by 490 basis points year-over-year to 36.2%[13] - Adjusted EPS for Q3 2025 was $0.46[29] Key Performance Indicators - Total Net Originations for Q3 2025 increased by 12% year-over-year to $246 million[43, 47] - Ending Receivables as of quarter-end reached $481 million, a 16% increase year-over-year[12, 43, 47] - Free Cash Flow generated through the first nine months of 2025 amounted to $66 million[50] Guidance - The company raised its full year 2025 total revenue guidance to $590 million - $605 million[56] - The company raised its full year 2025 adjusted net income guidance to $137 million - $142 million[56] - The company raised its full year 2025 adjusted EPS guidance to $1.54 - $1.60, based on approximately 89 million weighted average diluted shares outstanding[56, 57]