OppFi Inc. announced record financial results for the second quarter ended June 30, 2025. Total revenue increased by 12.8% year-over-year to $142.4 million, marking a new company record for any quarter. Adjusted net income also reached a record $39.4 million, representing a 59.0% increase year-over-year.
The company's adjusted EPS for the quarter was $0.45, up 55.1% year-over-year. While GAAP net income decreased by 58.5% to $11.5 million, this was primarily due to a non-cash charge related to the change in fair value of warrant liabilities.
Credit performance remained strong, with the net charge-off rate as a percentage of total revenue decreasing by 60 basis points year-over-year to 31.9%. The average yield, annualized, reached a company record of 136.1%, increasing by 130 basis points year-over-year.
Based on these results, OppFi increased its full-year 2025 revenue guidance to a range of $578 million to $605 million, up from the previous range of $563 million to $594 million. Full-year 2025 adjusted net income guidance was also raised to $125 million to $130 million, from $106 million to $113 million.
The content on BeyondSPX is for informational purposes only and should not be construed as financial or investment advice. We are not financial advisors. Consult with a qualified professional before making any investment decisions. Any actions you take based on information from this site are solely at your own risk.