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OppFi
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 4â5 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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Latest summaries
- TimeTickerHeadlineOpen
- CME
Record revenues, earnings, and volumes in 2025, driven by innovation and global client demand. - SNP
Q4 2025 clean CCS operating result rose 41%, but net income was hit by E&P impairments. - FOXA
Revenue up 2% to $5.18B, net income down, $1.8B in buybacks, strong digital and sports growth. - GAIN
NAV per share climbed to $14.95, led by portfolio gains and strong investment activity. - TROW
AUM up over 10% to $1.78Tâ$1.8T, EPS $9.72, with strong ETF and alternatives growth. - ACB
Record medical cannabis revenue and strategic exits drive margin and profit growth. - BOTX
Record sales, profit, and gold output; investments drive growth and strong 2026 outlook. - NYT
Digital subscriber and ad growth drove record profits, cash flow, and a positive 2026 outlook. - LTM
Record $1.5B net income, 11% revenue growth, and premium expansion drive strong 2026 outlook. - CBT
Adjusted EPS down 13% to $1.53; Battery Materials up 39%; $76M returned to shareholders.
Next OppFi earnings date
Q4 20253 Mar, 2026
OppFi
Next OppFi earnings date
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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