NYSE$OPFI

Oppfi Inc · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

OppFi exceeded profitability guidance and raised full-year earnings outlook.

OppFi reported a strong first quarter in 2023, with total revenue increasing by 20% year-over-year to $120.4 million and net income of $3.9 million. The company's adjusted net income exceeded guidance, driven by improved credit performance and expense leverage. As a result, OppFi is raising its full-year adjusted net income and adjusted earnings per share guidance.

  • Total revenue increased 20% year over year to $120.4 million.
  • Net income reached $3.9 million.
  • Adjusted net income was $4.4 million.
  • Adjusted EPS was $0.05.

Headline financials

Total Revenue

$120M

Previous: $100M+19.5%
EPS (adj)

$0.05

Previous: $0.01+400.0%
Auto-approval rate

71.0%

Previous: 61.0%+16.4%
Net charge-offs vs revenue

62.0%

Previous: 56.0%+10.7%
Free Cash Flow

$251K

Previous: $1.08M-76.7%
Net Income

$251K

Previous: $1.08M-76.7%
Operating Income

$3.73M

Previous: -$2.16M+272.6%
Gross Profit

$120M

Previous: $99.6M+20.0%
Cash & Equivalents

$71.4M

Previous: $59.9M+19.1%
Total Assets

$560M

Previous: $513M+9.3%
Stock-Based Comp

$1.14M

Previous: $579K+96.7%

Revenue & EPS history

OppFi · Revenue · Quarterly

$120M

Q1 2023+19.5%vs Q1 2022
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Forward guidance

OppFi affirmed total revenue guidance of $500 million to $520 million, raised adjusted net income guidance to $24 million to $30 million, and increased adjusted earnings per share guidance to $0.28 to $0.35.

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 2023

Historical avgQ1 2023

+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

Earnings price reactions
QuarterReport dateReaction (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%

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