OppFi Inc. Reports Q4 2025 Revenue Growth Amid Targeted Lending Expansion

OppFi Inc. (OPFI) reported its fourth-quarter 2025 financial results, showcasing a 12% year-over-year revenue growth to $142 million, up from $127 million in the same quarter of 2024. The increase was primarily fueled by expanded lending activity within its core subprime consumer credit products, with total loan originations rising to $410 million, a 15% increase compared to Q4 2024. The company maintained a disciplined underwriting approach, with its 90-day delinquency rate stabilizing at 6.8%, a slight improvement from 7.1% in the prior-year period. Adjusted EBITDA for the quarter reached $38 million, up from $32 million in the same quarter last year, reflecting a 19% year-over-year improvement. This growth was attributed to enhanced loan servicing efficiency and reduced credit loss provisions, despite elevated macroeconomic headwinds. OppFi’s net interest margin remained stable at 24.3%, underscoring pricing resilience in its targeted lending segments. The company ended the quarter with $230 million in cash and equivalents, supporting continued investment in digital infrastructure. The results positioned OPFI favorably within the fintech lending space, particularly amid mixed performance from peers such as Fiserv (FISV) and Paychex (PAYX), which reported modest revenue gains but faced margin pressures. Analysts noted that OppFi’s ability to grow originations while managing credit quality could signal a competitive edge in niche lending markets. The company reaffirmed its full-year 2026 guidance, projecting revenue between $570 million and $590 million, with adjusted EBITDA in the range of $145 million to $155 million.