Cargando empresa
Just reported
Q3 2026 results
From OppFi's results release of 28 de octubre de 2026; its quarterly report has since been filed.
Revenue
Actual
92,8M US$
-11 % y/y
+7,6 % q/qGuided
—
No guide given
EPS, GAAP
Actual
0,40 US$
-48 % y/y
+122 % q/qGuided
—
No guide given
Operating income, GAAP
Actual
37M US$
-24 % y/y
+52 % q/qGuided
—
No guide given
Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.
Keep exploring
The themes OppFi is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
Highest-graded in Credit Services
Graded A or B and worth $2B or more: A first, then the largest.
AXPAmerican Express Co.215B US$A
COFCapital ONE Financial Corp.117,4B US$A+
SOFISoFi Technologies, Inc.20B US$A
FCFSFirstcash Holdings, Inc.7,9B US$A+
OMFOnemain Holdings, Inc.6,4B US$A
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.4 nov 2026CAGraded C, now A
HSBCHsbc Holdings plc27 oct 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2 nov 2026BAGraded B, now A
WFCWells Fargo & Company13 oct 2026BAGraded B, now A
CMECME Group Inc.21 oct 2026BAGraded B, now A
Cómo gana dinero
- Interest on finance receivables
- Servicing, referral, and deposit interest
Compite con
- LCLendingClub
Qué vende4
OppLoans installment loans
Online, fixed-payment personal loans for consumers who may not qualify for credit from mainstream lenders. Payments are reported to the major credit bureaus.
OppFi TurnUp
A service that checks whether eligible applicants can find lower-cost loan offers from other lenders before their application is considered through OppFi's bank partners.
OppU
Free online lessons about building credit, budgeting, and managing personal finances.
Bitty small-business financing
Revenue-based financing and other working-capital funding for small businesses, provided by Bitty, in which OppFi holds an equity interest.
Quién se lo compra3
- Consumers in the United States who apply online for installment loans, often after being turned down for credit elsewhere.
- Partner banks that use OppFi's marketing, application technology, credit assessment, and loan-servicing services.
- Small businesses seeking working capital through Bitty.
En qué se apoya y qué podría romperlo
De qué depende el negocio
- 1OppFi relied on three bank partners—FinWise Bank, First Electronic Bank, and Capital Community Bank—to originate loans through its platform in 2025; disruption to these relationships could affect lending and revenue.
- 2Strategic marketing partners generated 80.6% of new platform loans (year ended December 31, 2025, high confidence), making applicant acquisition partly dependent on those relationships.
- 3Credit decisions use information from applicants, bank transactions, credit bureaus, and other data providers; inaccurate data or loss of access could affect lending decisions.
- 4Loan payments and collections rely on electronic transfers from borrowers' bank accounts.
Qué podría salir mal
- 1OppFi depends on its bank partners to originate loans. A partner ending or restricting its relationship, or a legal challenge to the bank-partner lending model, could reduce lending or make loans harder to collect.
- 2Borrower repayment and loan values can change with economic conditions. Net charge-offs were 53.8% of average receivables on an annualized basis (six months ended June 30, 2026, high confidence), and losses can rise if borrowers repay less than expected.
- 3Federal and state lending, consumer-protection, and licensing rules apply to OppFi and its bank partners. Changes in rules or regulators' interpretation of the bank-partner model could require changes to loan terms or where loans can be offered.
Estados financieros completos →
Sobre OppFi Inc.
Consumers apply online for installment loans, which are generally used for expenses such as car repairs, medical bills, and housing costs. Partner banks originate and initially fund the loans; OppFi handles applicant marketing, credit decisions, and loan servicing, and acquires participation rights in some loans. OppFi also owns a 35% interest (June 30, 2026, high confidence) in Bitty, which provides small businesses with revenue-based financing and other working-capital funding.
- Sede
- Chicago, Illinois
- Fundada en
- 2015 (OppFi-LLC formed; high confidence)
- Empleados
- Approximately 410 (December 31, 2025, high confidence)
- Cotiza en
- NYSE
- Cierre del ejercicio
- December 31
Construido a partir de los propios informes de OppFi Inc. ante la Comisión de Bolsa y Valores de EE. UU. (SEC). Las cifras son las declaradas, con el historial por acción reexpresado a la base de acciones de hoy. Esto describe un negocio: no es asesoramiento de inversión ni una recomendación de compra o venta.
