Is OPFI's Underwriting Engine the Key Profitability Catalyst? [Yahoo! Finance]
OppFi Inc. Class A (OPFI)
Company Research
Source: Yahoo! Finance
In the third quarter of 2025, the company registered a 136.9% year-over-year upsurge in its net income, whereas the top line grew 13.5%. This disproportional growth in revenues and profitability hints at operational efficiency. During the aforementioned quarter, OPFI's auto-approval rate was at 79.1%, up 3% year over year. The CEO remarked that this rising auto approval rate fueled OppFi's operational efficiency. It facilitated improving credit quality assessment without human intervention, thus ensuring a meagre 0.1% year over year rise in total expenses. As a result, its adjusted net income surged 82.7%, with adjusted EPS soaring 78.9%. Recently, the company has made improvements in its legacy credit assessment engine, Model 6, and introduced an iteration, Model 6.1 refit. This pivot was effective, as evidenced by an 11.2% year-over-year dip in net charge-offs as a percentage of total revenues and a 9.5% fall in net charge-offs as a percentage of average receivables for the nine
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OPFI
News
- OppFi (NYSE:OPFI) was downgraded by analysts at Zacks Research from a "strong-buy" rating to a "hold" rating.MarketBeat
- Dave vs. OppFi: Which Fintech Stock Is the Smarter Bet Right Now? [Yahoo! Finance]Yahoo! Finance
- Best Value Stocks to Buy for Dec.22 [Yahoo! Finance]Yahoo! Finance
- OppFi (NYSE:OPFI) had its "sell (d+)" rating reaffirmed by analysts at <a style="font-weight:bold" href="https://weissratings.com/">Weiss Ratings</a>.MarketBeat
- OppFi (NYSE:OPFI) had its "sell (d+)" rating reaffirmed by analysts at <a style="font-weight:bold" href="https://weissratings.com/">Weiss Ratings</a>.MarketBeat
OPFI
Earnings
- 10/29/25 - Beat
OPFI
Sec Filings
- 1/6/26 - Form 4
- 1/6/26 - Form 4
- 1/6/26 - Form 4
- OPFI's page on the SEC website