What OppFi (OPFI)'s Strong Q3 Results and Raised Guidance Mean for Shareholders

• OppFi Inc. recently reported strong third-quarter 2025 earnings, with revenue rising to US$155.09 million and net income reaching US$41.64 million, alongside a completed share repurchase of 1,751,070 shares for US$10.93 million by September 30, 2025.
• The company also raised its full-year revenue guidance to a range of US$590–605 million, reflecting improved business momentum and an optimistic earnings outlook.
• We'll explore how the raised full-year guidance and third-quarter profitability could influence OppFi's investment narrative and future prospects.

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OppFi Investment Narrative Recap

OppFi shareholders are essentially betting on the company’s ability to profitably serve the underserved, subprime credit market, while navigating mounting regulatory and competitive risks. The recent uptick in third-quarter earnings and the raised revenue outlook supports confidence in near-term growth catalysts, but does not fundamentally impact regulatory risk, which remains the most significant concern for the business today.

The most relevant announcement is OppFi's decision to raise full-year revenue guidance for 2025 to US$590–605 million. This reflects improved business momentum and aligns with expectations for continued digital adoption and automation driving top-line growth, though potential headwinds from regulation have not diminished in importance.

By contrast, investors should remain aware that even with rising revenues, the threat of interest rate caps or new consumer lending regulations looms…

Read the full narrative on OppFi (it's free!)

OppFi's outlook projects $889.0 million in revenue and $159.4 million in earnings by 2028. This implies a 40.5% annual revenue growth rate and a $192.9 million increase in earnings from the current level of -$33.5 million.

Uncover how OppFi's forecasts yield a $14.17 fair value, a 43% upside to its current price.

Exploring Other Perspectives

Five fair value estimates from the Simply Wall St Community range widely from US$2.38 to US$14.17 per share. With regulatory scrutiny still a pressing risk, consider how your outlook fits alongside such a broad spectrum of investor views.

Explore 5 other fair value estimates on OppFi - why the stock might be worth as much as 43% more than the current price!

Build Your Own OppFi Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your OppFi research is our analysis highlighting 2 key rewards and 2 important warning signs that could impact your investment decision.
• Our free OppFi research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate OppFi's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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