OppFi Inc. (NYSE:OPFI) Strong Guidance Fuels Investor Interest

By Patricia Miller

Mar 06, 2025

1 min read

OppFi (OPFI) beats earnings estimates, guiding for 11-13% EPS growth in 2025. Strong revenue projections signal expansion, boosting investor confidence.

#What You Need to Know

OppFi Inc. recently reported strong earnings guidance for 2025, projecting an adjusted earnings per share of $1.06 to $1.07. This forecast reflects a year-over-year growth of 11% to 13%, notably exceeding the analyst consensus of $0.92. The company anticipates revenue growth between 7% and 13%, aiming for around $594 million, which also surpasses market expectations.

While the fourth-quarter adjusted earnings per share reached $0.23, up from $0.10 the previous year, it represents a decrease from $0.33 in Q3. Revenue for Q4 was $135.7 million, also higher than anticipated, despite falling slightly from Q3 levels. Total net originations dropped to $213.7 million, although they increased from the previous year. The net charge-off rate saw an uptick to 54% from 46% in Q3 but decreased from the prior year's figure.

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#Why This Is Important for Retail Investors

  • Earnings Potential: The guidance offering indicates solid growth, showing the company's resilience and potential for profitability.

  • Market Confidence: The strong earnings report can boost investor confidence, making the stock attractive to potential buyers.

  • Revenue Growth: The projected revenue growth suggests business expansion, which may lead to higher stock valuations.

  • Analyst Approval: Exceeding analyst estimates might lead to increased analyst ratings, potentially influencing investment decisions.

  • Industry Trends: Understanding Originations and charge-off trends can help investors gauge the health of the lending market.

#Relevant ETFs

  • Invesco S&P SmallCap Financials ETF

  • SPDR S&P Bank ETF

  • iShares U.S. Financial Services ETF

  • Direxion Daily Financial Bull 3X Shares

  • Invesco S&P 500 Equal Weight Financials ETF

  • VanEck Vectors Mortgage REIT Income ETF

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Important Notice And Disclaimer

This article does not provide any financial advice and is not a recommendation to deal in any securities or product. Investments may fall in value and an investor may lose some or all of their investment. Past performance is not an indicator of future performance.

Patricia Miller does not hold any position in the stock(s) and/or financial instrument(s) mentioned in the above article.

Patricia Miller has not been paid to produce this piece by the company or companies mentioned above.

Digitonic Ltd, the owner of ValueTheMarkets.com, does not hold a position or positions in the stock(s) and/or financial instrument(s) mentioned in the above article.

Digitonic Ltd, the owner of ValueTheMarkets.com, has not been paid for the production of this piece by the company or companies mentioned above.