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Just reported
Q3 2026 results
From OppFi's results release of 2026年10月28日; its quarterly report has since been filed.
Revenue
Actual
$92.8M
-11% y/y
+7.6% q/qGuided
—
No guide given
EPS, GAAP
Actual
$0.40
-48% y/y
+122% q/qGuided
—
No guide given
Operating income, GAAP
Actual
$37M
-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.
The full earnings report →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.$216.5BA
COFCapital ONE Financial Corp.$118.6BA+
SOFISoFi Technologies, Inc.$21.1BA
FCFSFirstcash Holdings, Inc.$7.9BA+
OMFOnemain Holdings, Inc.$6.4BA
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.2026年11月4日CAGraded C, now A
HSBCHsbc Holdings plc2026年10月27日CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2026年11月2日BAGraded B, now A
WFCWells Fargo & Company2026年10月13日BAGraded B, now A
CMECME Group Inc.2026年10月21日BAGraded B, now A
どうやって稼いでいるか
- Interest on finance receivables
- Servicing, referral, and deposit interest
競合
何を売っているか4
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.
誰が買っているか3
- 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.
何に支えられ、何に崩されうるか
事業が頼っているもの
- 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.
うまくいかなくなる可能性
- 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.
OppFi Inc.について
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.
- 本社
- Chicago, Illinois
- 設立
- 2015 (OppFi-LLC formed; high confidence)
- 従業員数
- Approximately 410 (December 31, 2025, high confidence)
- 上場市場
- NYSE
- 決算期
- December 31
OppFi Inc. 自身が米国証券取引委員会（SEC）に提出した書類にもとづきます。数字は報告されたままで、1 株当たりの履歴は今日の株数基準に修正済みです。 これは事業の説明です——投資助言ではなく、売買を勧めるものでもありません。
