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OppFi OPFI Q2 2025 earnings

Reported August 5, 2025 · After market close

Revenue$142.4MBeat by $1.2M
EPS-$0.78Miss by $1.08
Revenue estimate$141.2M
EPS estimate$0.30

Next report

Nov 4, 2026 (in 2 months)
Revenue estimate$152.9M
EPS estimate$0.35

Financials

Q2 2025

Income statement

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Revenue$100.2M+16.2%
Operating income$44.8M+52.0%
Net income-$20.8M-778%
EPS (diluted)-$0.78-588%

Balance sheet

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Cash & equivalents$78.3M-3.2%
Total debt$12.4M-12.6%
Total equity$13.4M-28.3%
Total assets$673.4M+17.5%

Cash flow

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Operating cash flow$95.6M+23.7%
CapEx$4.6M+79.0%
Free cash flow$91.0M+21.8%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$378.98M+482%
Enterprise value$313.1M+20,176%
P/S1×+0.8×

Profitability

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Operating margin40.5%+20.2pp
Net margin-3.8%-5.6pp
FCF margin92%-11.2pp

Returns & leverage

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Return on equity-87%-127pp
Debt / equity0.9×+0.2×

Segments

By segment

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Reportable Segment$100.2M+16.2%

FAQ

When did OppFi report Q2 2025 earnings?
OppFi (OPFI) reported Q2 2025 earnings on August 5, 2025 after market close.
What were OppFi's Q2 2025 revenue and EPS?
OppFi reported revenue of $142.4M and eps of $-0.78 for Q2 2025.
Did OppFi beat estimates in Q2 2025?
Revenue beat the consensus estimate of $141.2M by $1.2M. EPS missed the consensus estimate of $0.29 by $1.08.
How did OppFi's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.8% from $126.3M a year earlier.
Where can I find OppFi's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001818502-25-000022) and the 10-Q periodic report (0001818502-25-000027) directly on SEC EDGAR. The filing index links above go to sec.gov.