NYSE$OPFI
Oppfi Inc · Q1 2022 earnings
Q1 2022 earnings · · Investor relations
Briefing
OppFi's financial performance in Q1 2022 reflected robust customer demand and strategic focus on stronger credit segments, with revenue increasing by 20% year-over-year.
OppFi reported a 20% year-over-year increase in revenue to $100.7 million for Q1 2022. Net originations increased by 63% year-over-year to $162.8 million, and ending receivables increased by 38% year-over-year to $338.5 million. The company reported a net loss of $(0.3) million and an adjusted net income of $0.6 million.
- Revenue increased 20% year-over-year to $100.7 million.
- Net originations increased 63% year-over-year to $162.8 million.
- Ending receivables increased 38% year-over-year to $338.5 million.
- Net loss of $(0.3) million, with adjusted net income of $0.6 million.
Headline financials
Revenue & EPS history
OppFi · Revenue · Quarterly
$100M
Forward guidance
OppFi re-affirms its previously issued full-year 2022 financial guidance.
Tailwinds
- Total revenue and ending receivables growth of 20% to 25% year over year
- Net revenue margin between 60% and 65%
- Adjusted operating expenses, as percentage of total revenue between 43% and 47%
- Adjusted EBITDA margin between 20% to 25%
- Adjusted net income margin between 8% and 12%
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q1 2022
+3.0%
Avg return
Earnings day
+2.2%
Avg return
5 days after
+7.0%
Avg return
30 days after
63%
12 / 19 earnings
Positive
+20.6%
Q3 2024
Best reaction
-19.9%
Q4 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.9% | -4.7% | -14.8% | |
| Q4 2025 | -5.9% | -9.9% | -10.9% | |
| Q3 2025 | +4.1% | +0.6% | -0.9% | |
| Q1 2025 | +11.6% | +25.4% | +46.2% | |
| Q4 2024 | +10.8% | -3.2% | -11.6% | |
| Q3 2024 | +20.6% | +32.0% | +34.8% | |
| Q2 2024 | +17.0% | +36.0% | +20.1% | |
| Q1 2024 | +14.1% | +13.3% | +19.3% | |
| Q4 2023 | -19.9% | -29.6% | -33.4% | |
| Q3 2023 | +0.4% | +5.7% | +58.1% | |
| Q2 2023 | +6.0% | +17.4% | +21.6% | |
| Q1 2023 | +5.0% | +2.5% | +13.4% | |
| Q4 2022 | +10.9% | +13.2% | +13.8% | |
| Q3 2022 | -9.8% | +5.1% | +14.0% | |
| Q2 2022 | +0.0% | -19.9% | -28.6% | |
| Q1 2022 | -4.5% | -19.6% | -6.5% | |
| Q4 2021 | -5.3% | +5.3% | +5.3% | |
| Q3 2021 | +3.3% | -10.8% | -30.0% | |
| Q2 2021 | -2.2% | -16.7% | +22.5% |
Discussion
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