Stonegate Capital Partners updated coverage on OppFi, Inc. (NYSE: OPFI) following the company's fiscal year 2025 results, which showcased record performance and strengthened financial positioning. OppFi reported revenue of $597.1 million, adjusted net income of $139.8 million, and adjusted EPS of $1.59, representing year-over-year increases of 13.5%, 69.1%, and $0.64, respectively. GAAP net income rose 74.4% to $146.2 million. The results were driven by the implementation of Model 6, broader use of risk-based pricing, and solid operating discipline, which improved unit economics and margin conversion.
Management also returned capital to shareholders, repurchasing $15.5 million of shares at an average price of $10.04, with $20.9 million remaining under the authorization. The company's strong free cash flow, ample liquidity, lower funding costs, and share buybacks have enhanced financial flexibility. For the full announcement, including downloadable images and bios, click here.
Key takeaways from the update include that FY25 was a breakout year with record revenue, earnings, and margin expansion reflecting stronger scale, pricing discipline, and operating efficiency. Capital flexibility improved meaningfully, and FY26 guidance supports continued momentum, with management expecting solid growth despite temporary credit pressure. The full announcement is available here.
Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Its affiliate, Stonegate Capital Markets (member FINRA), offers investment banking, equity research, and capital raising for public and private companies.
