Stonegate Capital Partners Updates 1Q25 Report on OppFi, Inc. (OPFI)

Dallas, Texas--(Newsfile Corp. - May 8, 2025) - OppFi, Inc. (NYSE: OPFI) : Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OPFI reported revenue, adj. Net Income, and adj. EPS of $140.3M, $33.8M, and $0.38, respectively. This compares to our/consensus estimates of $141.5M/$137.7M, $23.4M/$22.5M, and $0.26/$0.25. Net revenue margin was 64.7% for the quarter, reflecting a year-over-year expansion of 1,100 bps from 1Q24. This quarter's strong performance was driven by record total revenue of $140.3M, a 10.1% y/y increase, alongside significant improvements in profitability. Net income grew by 101.3% y/y to $20.4M, while adjusted net income surged 285.1% y/y to $33.8M--both setting new quarterly records for the Company. Adjusted EPS rose to $0.38, compared to $0.10 in the prior-year period. The Company also expanded its adjusted net income margin to 24.1%, up from 6.9% in1Q24. These results highlight the benefits of OppFi's ongoing focus on algorithmic credit decisioning, operational efficiency, and disciplined expense management.

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Key Takeaways:

• Net income rose 101% y/y to a record $20.4M, while adjusted net income jumped 285% to $33.8M.
• Net revenue margin expansion of 1,100 bps year-over-year.
• Total net originations for 1Q25 rose 16% y/y to $189.2M.

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About Stonegate
Stonegate Capital Partners is a leading capital markets advisory firm providing investor relations, equity research, and institutional investor outreach services for public companies. Our affiliate, Stonegate Capital Markets (member FINRA) provides a full spectrum of investment banking services for public and private companies.

Source: Stonegate, Inc.

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