NYSE$OPFI

Oppfi Inc · Q4 2024 earnings

Q4 2024 earnings · · Before market open · Investor relations

Briefing

OppFi reported Q4 2024 revenue of $97.0M, net income of $24.0M, diluted EPS of $0.36.

For Q4 2024, OppFi reported Revenue was $97.0M, net income was $24.0M, diluted EPS was $0.36. Management discusses segment trends, liquidity, and outlook in the quarterly filing.

  • Revenue $97.0M for Q4 2024.
  • Net income $24.0M.
  • Diluted EPS $0.36.

Headline financials

Total Revenue

$97M

Previous: $65.8M+47.5%
EPS (adj)

$0.36

Previous: $0.10+260.0%
Auto-approval rate

79.0%

No prior period
Net charge-offs vs revenue

42.0%

No prior period
Average yield (annualized)

130.0%

No prior period
Capital Expenditures

-$4.4M

No prior period
Net Income

$24M

Previous: $1.94M+1135.8%
Operating Income

$24.7M

Previous: $8.71M+183.3%

Revenue & EPS history

OppFi · Revenue · Quarterly

$97M

Q4 2024+47.5%vs Q4 2023
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Forward guidance

The quarterly filing discusses operating priorities, liquidity, and sector risks.

Tailwinds

  • MD&A outlines strategic priorities and capital allocation.
  • Segment commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items can affect year-over-year comparability.

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 2024

Historical avgQ4 2024

+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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