Short answer
OppFi Inc. (OPFI) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $105M (up 14.7% year over year) with net income of $42M.
Q3 2025 key financials · XBRL
- Revenue
- $105M
- +14.7% YoY · +4.3% QoQ
- Net income
- $42M
- +876.4% YoY · +300.4% QoQ
- Operating margin
- 46.3%
- EPS (diluted)
- $1.64
- +465.5% YoY · +305.0% QoQ
Source: XBRL data from the OppFi Inc. (OPFI) Q3 2025 10-Q on SEC EDGAR. USD.
OppFi Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $155.1M, up 13.5% YoY from $136.6M, driven by higher average receivables
- Operating margin 46.3% vs 38.5% YoY, based on income from operations and net revenue
- Net charge-offs 35.1% of revenue vs 34.3% YoY, with early-summer vintages driving elevated charge-offs
- Net originations $246.1M, up 12.5% YoY from $218.8M; ending receivables $481.0M, up 16.3%
- Expenses 36.2% of revenue vs 41.1% YoY, aided by lower interest expense after debt paydown and rate decreases
Risk Factors
- No material changes from 2024 Annual Report risk factors
- Regulatory and compliance risks carried forward without quarterly updates
- Consumer-credit operational and competitive risks carried forward without quarterly updates
- Liquidity and financing risks carried forward without quarterly updates
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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