Todd Schwartz

“I'll first share a business update and then Pam will review our strategic investments and Q2 financial performance in detail. While Q2 fell short of our original financial expectations, we believe it was one of our most productive quarters from a strategic standpoint.”

“Pam will review our strategic investments and our Q1 financial performance and metrics. But first, I'd like to share a little bit more about OPFI's recently announced plans to acquire BNCC Corp and BNC National Bank in a cash and stock transaction valued at approximately $130 million.”

“I'm looking forward to discussing another year of record-breaking performance at OptBuy. For 2025, total revenue increased 13.5% year-over-year, and adjusted net income increased 69% year-over-year, while keeping our industry-leading 78 net promoter score.”

“OPFI achieved another record quarter of revenue, profitability, originations, and ending receivables. In addition, we are happy to report that we have renewed our credit agreement with Castle Lake, improving operating leverage, pricing, and capacity.”

“After a strong start to 2025, I'm proud to report that the second quarter was a record quarter for OppFi. The business achieved record quarterly revenue, adjusted net income and operating margin.”