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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

Aug 5, 2026 (In 1 week)
Revenue estimate$155.9M
EPS estimate$0.48

Financials

Q4 2025

Income statement

See full
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

See full
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

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

Returns & leverage

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

Segments

By segment

See full
Reportable Segment$85.6M+5.9%

Versus estimates

Revenue

Q1 2026$151.9MBeat by $739.2K
Q4 2025$159.3MMiss by $549.3K
Q3 2025$155.1MBeat by $1.7MQ2 2025$142.4MBeat by $1.2MQ1 2025$140.3MMiss by $672.0KQ4 2024$135.7MMiss by $2.3M

Diluted EPS

Q1 2026$0.35Beat by $0.02
Q4 2025$0.30Beat by $0.02
Q3 2025$0.45Beat by $0.15Q2 2025-$0.78Miss by $1.08Q1 2025$0.38Beat by $0.12Q4 2024$0.23Beat by $0.09

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Questions, answered.

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.