OppFi beats Q4 revised estimates, net income up 112% YoY, raises 2025 guidance

OppFi Inc.

Repaid all outstanding obligations and terminated Senior Secured Multi-Draw Term Loan Agreement on March 4, 2025.
Full-year 2024 net income rose 112.4% YoY to $83.8M; adjusted net income (record) up 99.2% to $82.7M.
Full-year 2024 adjusted EPS $0.95 (record, +95.5% YoY); net charge-offs as % of revenue improved 440 bps to 39.1%.
Q4 2024 net income $14.0M (+619.7% YoY); adjusted net income $20.3M (+140.3% YoY).
Guidance: Q1 2025 adjusted net income $22-24M; full-year 2025 expected to grow 15-17% YoY.

item 1.02 item 2.02 item 7.01 item 9.01

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Source: SEC EDGAR

accession 0001818502-25-000002

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