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OppFi OPFI Q4 2025 Annual earnings

Reported March 11, 2026 · Before market open

Revenue$159.3MMiss by $549.3K
EPS$0.30Beat by $0.02
Revenue estimate$159.8M
EPS estimate$0.28

Next report

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

Financials

Q4 2025

Income statement

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Revenue$85.6M+5.9%
Operating income$30.9M+25.4%
Net income$16.8M+20.6%
EPS (diluted)$0.63—

Balance sheet

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Cash & equivalents$93.3M+5.6%
Total debt$11.4M-14.1%
Total equity$58.5M+78.4%
Total assets$754.1M+17.6%

Cash flow

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Operating cash flow$116.8M+23.6%
CapEx$4.9M+11.2%
Free cash flow$111.9M+24.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$289.37M+78.0%
Enterprise value$207.53M+137%
P/E11×+4.9×
P/S0.8×+0.3×

Profitability

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Operating margin43.7%+14.3pp
Net margin6.9%-1.4pp
FCF margin100.3%+3.6pp

Returns & leverage

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Return on equity57.7%-66.5pp
Debt / equity0.2×-0.2×

Segments

By segment

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Reportable Segment$85.6M+5.9%

FAQ

When did OppFi report Q4 2025 earnings?
OppFi (OPFI) reported Q4 2025 earnings on March 11, 2026 before market open.
What were OppFi's Q4 2025 revenue and EPS?
OppFi reported revenue of $159.3M and eps of $0.30 for Q4 2025.
Did OppFi beat estimates in Q4 2025?
Revenue missed the consensus estimate of $159.8M by $549.3K. EPS beat the consensus estimate of $0.28 by $0.02.
How did OppFi's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.3% from $135.7M a year earlier and eps grew 30.4% from $0.23.
Where can I find OppFi's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001818502-26-000012) and the 10-K periodic report (0001818502-26-000019) directly on SEC EDGAR. The filing index links above go to sec.gov.