OppFi Reports Record 2025 Revenue and Profit Amid Macroeconomic Headwinds
OppFi Inc. (NYSE: OPFI) announced record financial results for the year ended December 31, 2025, reporting a 74.4% year-over-year increase in net income to $146.2 million . Though, the company is closely monitoring macroeconomic factors impacting its borrower base, particularly rising gas prices.
Record Financial Performance in 2025
Total revenue for 2025 reached $597.1 million, a 13.5% increase compared to the previous year . Adjusted net income as well saw significant growth, rising 69.1% to $139.8 million, with adjusted earnings per share (EPS) increasing to $1.59 from $0.95 . Fourth quarter 2025 revenue was $159.3 million, up 17.3% .
The company ended the year with $493.1 million in ending receivables, a 16% increase year-over-year . OppFi also generated $93.5 million in free cash flow, repaid $30 million of term debt, distributed a $0.25 per share special dividend totaling $21 million, and repurchased $15.5 million of stock .
Navigating Macroeconomic Challenges
During an earnings call, OppFi’s management addressed concerns regarding the impact of macroeconomic conditions on its borrowers. CEO Todd Schwartz highlighted the unprecedented pace of change in the market, citing the recent surge in oil prices from $80 to $120 a barrel as a key example of “macro noise” the company is navigating . The company is responding by implementing more frequent updates to its credit models and utilizing risk-based pricing to manage loan economics.
The company is also optimistic about the current tax season, anticipating that tax refunds will provide borrowers with a needed liquidity boost . This optimism is supported by IRS data suggesting rising average tax returns.
2026 Outlook
For 2026, OppFi anticipates revenue between $650 million and $675 million and adjusted net income between $153 million and $160 million . This guidance suggests continued growth in the high-single to mid-teens range from the record 2025 performance.
About OppFi
OppFi is a tech-enabled digital finance platform that partners with banks to offer financial products and services to underserved Americans .