OppFi Inc. (OPFI) Q4 2025 Earnings Call Transcript

Operator

Good morning, and welcome to OppFi’s Fourth Quarter and Fiscal Year 2025 Earnings Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded. [Operator Instructions] I am pleased to introduce your host, Mike Gallentine, Head of Investor Relations. You may begin.

Mike Gallentine

Thank you, operator. Good morning, and welcome to OppFi’s Fourth Quarter 2025 Earnings Call. Today, our Executive Chairman and CEO, Todd Schwartz. and CFO Pam Johnson will present our financial results followed by question and answer session. You can access the earnings presentation on our website at investors.oppfi.com. During this call, OppFi may discuss certain forward-looking information. The company’s filings with the SEC described essential factors that could cause actual results, developments and business decisions to differ materially from forward-looking statements.

Please refer to Slide 2 of the earnings presentation and press release for our disclaimer statement covering forward-looking statements and references to information about non-GAAP financial measures, which will be discussed throughout today’s call.

Reconciliations of those measures to GAAP measures can be found in the appendix to our earnings presentation and press release. With that, I’d like to turn the call over to Todd.

Todd Schwartz
Founder, Executive Chairman & CEO

Great, Mike, and good morning, everyone. Thank you for joining us today. I’m looking forward to discussing another year of record-breaking performance at OppFi. For 2025, total revenue increased 13.5% year-over-year and adjusted net income increased 69% year-over-year, while keeping our industry-leading 78 Net Promoter Score. We continue to