Earnings Releases·Oct 27, 2026, 7:12 PM ET

OppFi — Third Quarter 2026 Earnings Summary

Q3 2026 total revenue decreased 3.8% year-over-year to $149.2 million, while net income attributable to OppFi Inc. fell 17.2% to $34.5 million; however, nine-month net income attributable to OppFi Inc. surged 719.6% to $77.7 million.
Full-year 2026 guidance was refined to $600–$610 million in total revenue, $115–$120 million in adjusted net income, and $1.34–$1.40 in adjusted EPS.
Credit quality pressures intensified with net charge-offs as a percentage of total revenue rising to 40.1% in Q3 and 40.7% for the nine months, alongside a 6.8% decline in Q3 net originations.
Strategic progress includes the launch of a new Line of Credit product, continued migration to the LOLA platform, and the filing of a Form S-4 regarding the proposed acquisition of BNCCORP, Inc.
Capital return and liquidity initiatives included $6.7 million in share repurchases during Q3, leaving $102.7 million in unrestricted cash and $198.5 million in unused debt capacity as of September 30, 2026.