OppFi (OPFI) investor relations material

Mission and market opportunity

• Aims to provide safe, simple, and affordable credit access to 48 million underbanked Americans and over 12 million small businesses lacking traditional credit options.

• Reports 43% of families face difficulties paying bills, and 42% of households have less than one month of savings.

• Facilitated over $8.6 billion in gross loan issuance across 4.7 million loans since inception.

• Achieved 11 consecutive years of positive net income.

• Maintains a strong customer satisfaction with a 75 NPS and high ratings on Google and Trustpilot.

Technology and underwriting

• Uses a sixth-generation machine learning model (Model 6.1) for dynamic underwriting, leveraging over 15 billion data points and 500+ attributes per repayment.

• Achieved 94% automated underwriting decisions in FY 2025.

• Model 6.1 led to a 14.4% increase in incremental originations and a 6.7% decrease in charge-offs compared to the previous model.

Financial performance and profitability

• Total revenue grew from $509M in FY 2023 to $597M in FY 2025, with an 8.3% CAGR.

• Adjusted net income rose from $41M in FY 2023 to $140M in FY 2025, with a 92.5% CAGR.

• Operating expense margin improved from 44.6% in FY 2023 to 35.9% in FY 2025.

• Adjusted net income margin increased to 23.4% in FY 2025.

• Free cash flow reached $93.5M in FY 2025.