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OppFi OPFI Q3 2025 earnings

Reported August 6, 2025 · Before market open

Revenue$155.1MBeat by $1.7M
EPS$0.45Beat by $0.15
Revenue estimate$153.4M
EPS estimate$0.30

Next report

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

Financials

Q3 2025

Income statement

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Revenue$104.6M+14.7%
Operating income$48.4M+38.1%
Net income$41.6M+876%
EPS (diluted)$0.77+267%

Balance sheet

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Cash & equivalents$75.2M+1.3%
Total debt$11.9M-13.3%
Total equity$49.4M+41.7%
Total assets$720.6M+16.4%

Cash flow

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Operating cash flow$105.1M+35.5%
CapEx$5.2M+33.5%
Free cash flow$99.9M+35.6%

Valuation & ratios

Valuation

as of 07/28/25
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Market cap$321.29M+245%
Enterprise value$258.01M+692%
P/E13.7×+0.9×
P/S0.9×+0.5×

Profitability

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Operating margin42.6%+17.0pp
Net margin6.2%+3.8pp
FCF margin95.7%-2.5pp

Returns & leverage

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Return on equity55.6%+24.1pp
Debt / equity0.2×-0.2×

Segments

By segment

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Reportable Segment$104.6M+14.7%

FAQ

When did OppFi report Q3 2025 earnings?
OppFi (OPFI) reported Q3 2025 earnings on August 6, 2025 before market open.
What were OppFi's Q3 2025 revenue and EPS?
OppFi reported revenue of $155.1M and eps of $0.45 for Q3 2025.
Did OppFi beat estimates in Q3 2025?
Revenue beat the consensus estimate of $153.4M by $1.7M. EPS beat the consensus estimate of $0.30 by $0.15.
Where can I find OppFi's Q3 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.