Stonegate Capital Partners updated its coverage on OppFi, Inc. (NYSE: OPFI) following the company's fiscal year 2025 results, which showcased record performance and strengthened financial positioning. OppFi exited FY25 with strong momentum, delivering record revenue of $597.1 million, adjusted net income of $139.8 million, and adjusted EPS of $1.59, representing year-over-year increases of 13.5%, 69.1%, and $0.64, respectively. GAAP net income rose 74.4% to $146.2 million.
The results were driven by the company's Model 6 platform, broader adoption of risk-based pricing, and solid operating discipline, which improved unit economics and margin conversion. Management also returned capital to shareholders, repurchasing $15.5 million of shares at an average price of $10.04, with $20.9 million remaining under the authorization. Overall, FY25 marked a meaningful step forward in profitability, underwriting, and capital return capacity.
Key takeaways from the announcement include that FY25 was a breakout year for OppFi. Record revenue, earnings, and margin expansion highlighted stronger scale, pricing discipline, and operating efficiency. Capital flexibility improved meaningfully, supported by strong free cash flow, ample liquidity, lower funding costs, and share buybacks that strengthened financial flexibility. Additionally, FY26 guidance supports continued momentum, with management expecting solid growth, while recent credit pressure appears temporary rather than structural.
The full announcement, including downloadable images and bios, is available at Stonegate Capital Partners. Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Its affiliate, Stonegate Capital Markets (member FINRA), offers investment banking, equity research, and capital raising for public and private companies.
