正在加载公司
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
US$92.8M
-11% y/y
+7.6% q/qGuided
—
No guide given
EPS, GAAP
Actual
US$0.40
-48% y/y
+122% q/qGuided
—
No guide given
Operating income, GAAP
Actual
US$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.
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Graded A or B and worth $2B or more: A first, then the largest.
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Grade rose recently in Financials
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怎么赚钱
- Interest on finance receivables
- Servicing, referral, and deposit interest
竞争对手
卖什么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.
谁在买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.
靠什么支撑，什么会击垮它
业务依赖什么
- 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.
可能出什么问题
- 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.
关于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.
- 总部
- Chicago, Illinois
- 成立于
- 2015 (OppFi-LLC formed; high confidence)
- 员工人数
- Approximately 410 (December 31, 2025, high confidence)
- 上市于
- NYSE
- 财年结束
- December 31
基于 OppFi Inc. 自己向美国证券交易委员会（SEC）提交的申报文件。数字如实呈报，每股历史已重述到今天的股数口径。 这是对一门生意的描述——不是投资建议，也不是买卖任何证券的推荐。
