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OppFi (OPFI) investor relations material
OppFi Stephens Annual Investment Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Stephens Annual Investment Conference summary19 Nov, 2025
Company history and evolution
Founded in 2012 to address lack of credit options for underserved consumers, evolving from storefronts to a digital platform.
Went public in July 2021 via SPAC; CEO Todd Schwartz returned in 2022 to lead a turnaround.
Achieved record quarters in revenue, growth, and net income following a challenging 2022.
Portfolio performance and market dynamics
Credit issues are quickly identified and resolved, with most challenges lasting 4–5 months.
Recent vintages showed some softness, leading to higher charge-offs, but these are factored into guidance.
Demand is rising, with growth in both existing and new customers, including near-prime borrowers moving to sub-prime.
No significant shifts in the competitive landscape; main comps include Propel Holdings and Enova.
Product and technology initiatives
LOLA, a new in-house loan origination and management platform, is set for launch in early 2026 after extensive testing.
Expected to improve customer experience and internal efficiency, enabling faster product updates and risk-based pricing.
How will Lola transform operational efficiency?
What is the long-term plan for Biddy integration?
How does OppFi manage short-term credit risks?
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Q4 20253 Mar, 2026
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Frequently asked questions
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Their clients are online lenders that offer unsecured loans to their customers. The technology is built specifically for online lending by taking into account the need for speed, accuracy, and usability. With the current opening market opportunity of $350 million in traditional credit cards, OppFi intends to leverage its solution in acquiring further funding to achieve its vision of becoming an enterprise-wide solution for banks around the world.
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