NYSE$OPFI
Oppfi Inc · Q4 2022 earnings
Q4 2022 earnings · · Investor relations
Briefing
OppFi's Q4 2022 financial results were reported, revealing a mix of challenges and achievements.
OppFi's Q4 2022 results showed a revenue increase of 25.1% compared to Q4 2021, but the company experienced a net loss and a decrease in adjusted net income. The company had its eighth consecutive year of profitability.
- Total revenue increased by 25.1% compared to the same period last year.
- Net income declined significantly, resulting in a net loss for the quarter.
- Adjusted net income also decreased compared to the previous year.
- Key performance metrics such as net charge-offs and auto-approval rates were reported.
Headline financials
Revenue & EPS history
OppFi · Revenue · Quarterly
$120M
Forward guidance
OppFi provided full-year 2023 guidance, including total revenue of $500 million to $520 million, and adjusted net income of $22 million to $28 million. They expect to be approximately break-even on an adjusted basis for the first quarter of 2023.
Tailwinds
- Total revenue of $500 million to $520 million, resulting in approximately 10% to 15% growth year over year
- Adjusted net income of $22 million to $28 million
- Adjusted earnings per share of $0.26 to $0.33 based on an approximate average weighted diluted share count of 84.3 million
Headwinds
- Approximately break-even on an adjusted basis for Q1 2023
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 Q4 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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