OPFI · OppFi Inc.
$7.16
+0.03 (+0.42%)
At close · Aug 14
Market Cap
$610.09M
Shares
85.21M
OppFi Inc. Earnings Call Transcripts
Every quarterly earnings call for OppFi Inc. (OPFI) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▼27.8%
$52.63M
−$571,000
'22 Q3
22-12-09
▼21.7%
$48.45M
$3.13M
'22 Q4
23-03-23
▲12.7%
$57.19M
$251,000
'23 Q1
23-05-11
▲14.5%
$74.58M
$2.14M
'23 Q2
23-08-09
▲43.8%
$75.67M
$2.17M
'23 Q3
23-11-09
▲35.7%
$65.75M
−$5.57M
'23 Q4
24-03-07
▲10.5%
$63.21M
$5.54M
'24 Q1
24-05-08
▲15.7%
$86.28M
$3.07M
'24 Q2
24-08-07
▲20.5%
$91.17M
$4.26M
'24 Q3
24-11-07
▲22.9%
$80.82M
−$5.61M
'24 Q4
25-03-05
▲43.7%
$90.81M
−$11.37M
'25 Q1
25-05-07
▲16.2%
$100.25M
−$20.78M
'25 Q2
25-08-06
▲14.7%
$104.56M
$41.63M
'25 Q3
25-10-29
▲5.9%
$85.57M
$16.85M
'25 Q4
26-03-11
▼3.9%
$87.30M
$28.40M
'26 Q1
26-05-07
LATEST
▼14%
$86.17M
$14.84M
'26 Q2
26-08-10
Earnings call
FY26 · Q2
2026-08-10
OppFi 2Q26 Earnings Conference Call
Cautious tone
Line of credit product launch
Lola system migration
BNC National Bank acquisition
Revenue
$86.17M
▼ 14% YoY Diluted EPS
$0.18
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-05-07
OppFi Inc. Q1 FY2026 Earnings Call
Confident tone
Line of Credit Product
Lola Platform Migration
AI and Technology Initiatives
Revenue
$87.30M
▼ 3.9% YoY Diluted EPS
$0.56
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-03-11
OppFi Inc. Q4 FY2025 Earnings Call
Confident tone
Underwriting models
New product launch (line of credit)
Lola platform and technology
Revenue
$85.57M*
▲ 5.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-29
OppFi Inc. Q3 FY2025 Earnings Call
Confident tone
Credit and charge-off management
LOLA origination platform migration
Record financial performance and guidance raise
Revenue
$104.56M
▲ 14.7% YoY Diluted EPS
$0.77
▲ 266.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-08-06
OppFi Inc. Q2 FY2025 Earnings Call
Confident tone
Record Q2 Financial Results
Updated Full-Year 2025 Guidance
Model 6 Underwriting Performance
Revenue
$100.25M
▲ 16.2% YoY Diluted EPS
$-0.78
▼ 587.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-05-07
OppFi Inc. Q1 FY2025 Earnings Call
Confident tone
Credit Model Performance (Model 6)
Macro Environment and Tariffs
Bitty and SMB / Product Expansion
Revenue
$90.81M
▲ 43.7% YoY Diluted EPS
$-0.48
▼ 580% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-03-05
OppFi Inc. Q4 FY2024 Earnings Call
Confident tone
Balance sheet and debt paydown
Capital allocation and shareholder rewards
Credit quality and charge-off improvement
Revenue
$80.82M*
▲ 22.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-11-07
OppFi Inc. Q3 FY2024 Earnings Call
Confident tone
Record Financial Results
Capital Allocation and Strategic M&A
Credit Performance
Revenue
$91.17M
▲ 20.5% YoY Diluted EPS
$0.21
▲ 61.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-08-07
OppFi Inc. Q2 FY2024 Earnings Call
Confident tone
Bitty Acquisition / Small Business Vertical
Q2 Financial Performance and Records
Growth and Customer Acquisition Strategy
Revenue
$86.28M
▲ 15.7% YoY Diluted EPS
$0.16
▲ 14.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-05-08
OppFi Inc. Q1 FY2024 Earnings Call
Confident tone
Macroeconomic environment
Credit performance improvements
Underwriting and risk selection
Revenue
$63.21M
▲ 10.5% YoY Diluted EPS
$0.10
▲ 400% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-03-07
OppFi Inc. Q4 FY2023 Earnings Call
Positive tone
2023 Financial Results and Profitability
Credit Performance and Underwriting Discipline
Macroeconomic Outlook
Revenue
$65.75M*
▲ 35.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-11-09
OppFi Inc. Q3 FY2023 Earnings Call
Revenue
$75.67M
▲ 43.8% YoY Diluted EPS
$0.13
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-08-09
OppFi Inc. Q2 FY2023 Earnings Call
Revenue
$74.58M
▲ 14.5% YoY Diluted EPS
$0.14
▲ 40% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-05-11
OppFi Inc. Q1 FY2023 Earnings Call
Revenue
$57.19M
▲ 12.7% YoY Diluted EPS
$0.02
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-03-23
OppFi Inc. Q4 FY2022 Earnings Call
Revenue
$48.45M*
▼ 21.7% YoY
Rev · 7q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-12-09
OppFi Inc. Q3 FY2022 Earnings Call
Revenue
$52.63M
▼ 27.8% YoY Diluted EPS
$-0.04
▼ 113.8% YoY
Rev · 7q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-08-09
OppFi Inc. Q2 FY2022 Earnings Call
Revenue
$65.15M
▼ 2.8% YoY Diluted EPS
$0.10
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-05-05
OppFi Inc. Q1 FY2022 Earnings Call
Revenue
$50.73M
▼ 18% YoY Diluted EPS
$0.00
Rev · 5q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-03-10
OppFi Inc. Q4 FY2021 Earnings Call
Revenue
$61.88M*
Rev · 4q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-11-11
OppFi Inc. Q3 FY2021 Earnings Call
Revenue
$72.89M
▲ 62.4% YoY Diluted EPS
$0.29
Rev · 4q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-08-10
OppFi Inc. Q2 FY2021 Earnings Call
Revenue
$67.04M
Rev · 3q
Audio
Transcript
Slides
8-K10-Q
Showing 1–21 of 21 earnings calls
Key facts
CIK
1818502
CUSIP
68386H103
13F (30d)
149 filings
145 filers
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