OppFi (OPFI) Q3 FY2025 earnings: revenue $105 million, up 14.7% on the year
OppFi Inc. (OPFI) reported revenue of $105 million for Q3 FY2025, the quarter ended 30 September 2025, up 14.7% on the same quarter a year earlier. Net income was $42 million, up 876.4% on the year, and diluted earnings per share $0.77. The figures are the company's own, from the 10-Q it filed with the SEC on 6 November 2025.
Revenue$105 millionup 14.7%
Net income$42 millionup 876.4%
Diluted EPS$0.77
QuarterQ3 FY2025ended 30 September 2025
The quarter, against the one before and a year earlier
| Line | Q3 FY2025 | Q2 FY2025 | Q3 FY2024 | Change on the year |
|---|---|---|---|---|
| Revenue | 105 | 100 | 91.2 | +14.7% |
| Operating income | 48.4 | 44.8 | 35.1 | +38.1% |
| Operating margin | 46.3% | 44.7% | 38.5% | |
| Pre-tax income | 81.6 | 12.7 | 34.4 | +137.5% |
| Income tax | 5.6 | 1.2 | 2.3 | +145.8% |
| Effective tax rate | 6.9% | 9.6% | 6.7% | |
| Net income | 41.6 | -20.8 | 4.3 | +876.4% |
| Net margin | 39.8% | -20.7% | 4.7% | |
| Diluted EPS | $0.77 | -$0.78 | $0.21 | +266.7% |
$ million except per share.
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Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.Cash flow and capital returned
| Line | Q3 FY2025 | Q2 FY2025 | Q3 FY2024 | Change on the year |
|---|---|---|---|---|
| Operating cash flow | 105 | 95.6 | 77.6 | +35.5% |
| Capital expenditure | 5.2 | 4.6 | 3.9 | +33.5% |
| Free cash flow | 99.9 | 91.0 | 73.7 | +35.6% |
| Free cash flow margin | 95.6% | 90.8% | 80.8% | |
| Cash from investing | -103 | -81.3 | -93.3 | n/a |
| Cash from financing | -5.3 | -26.8 | 9.1 | n/a |
| Depreciation and amortisation | 1.1 | 1.5 | 2.3 | -50.3% |
| Share-based compensation | 1.9 | 5.1 | 1.1 | +77.5% |
| Buybacks | 7.4 | 0.0 | 1.0 | +622.4% |
| Dividends paid | 0.0 | n/a | 0.0 | n/a |
| Dividend per share | $0.00 | $0.00 | $0.12 | n/a |
| Diluted shares, weighted | 88m | 27m | 20m | +335.8% |
| Shares outstanding at period end | n/a | 87m | 86m | n/a |
Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.
Balance sheet at quarter end
| Line | Q3 FY2025 | Q2 FY2025 | Q3 FY2024 | Change on the year |
|---|---|---|---|---|
| Shareholders' equity | 49.4 | 13.4 | 34.9 | +41.7% |
| Non-controlling interest | 228 | 204 | 185 | +22.9% |
| Other liabilities | 443 | 456 | 399 | +11.1% |
| Total liabilities and equity | 721 | 673 | 619 | +16.4% |
| Fixed assets | 23.5 | 19.4 | 11.4 | +106.1% |
| Loans | n/a | n/a | 0.0 | n/a |
| Cash and equivalents | 45.5 | 45.2 | 44.8 | +1.4% |
| Other assets | 652 | 609 | 563 | +15.7% |
| Total assets | 721 | 673 | 619 | +16.4% |
Questions
What was OppFi's revenue in Q3 FY2025?
OppFi (OPFI) reported revenue of $105 million for Q3 FY2025, the quarter ended 30 September 2025, up 14.7% on the same quarter a year earlier.
How much did OppFi earn in Q3 FY2025?
Net income for Q3 FY2025 was $42 million, up 876.4% on the year, and diluted earnings per share $0.77.
When did OppFi report Q3 FY2025 results?
OppFi filed its 10-Q for the quarter ended 30 September 2025 with the SEC on 6 November 2025.
Quarterly results, the last 20 quarters
| Q3 FY2021 | Q4 FY2021 * | Q1 FY2022 | Q2 FY2022 | Q3 FY2022 | Q4 FY2022 * | Q1 FY2023 | Q2 FY2023 | Q3 FY2023 | Q4 FY2023 * | Q1 FY2024 | Q2 FY2024 | Q3 FY2024 | Q4 FY2024 * | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 * | Q1 FY2026 | Q2 FY2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 72.9 | 61.9 | 50.7 | 65.2 | 52.6 | 48.5 | 57.2 | 74.6 | 75.7 | 65.8 | 63.2 | 86.3 | 91.2 | 80.8 | 90.8 | 100 | 105 | 85.6 | 87.3 | 86.2 |
| Operating income | 11.5 | 3.4 | -2.2 | 6.4 | -1.0 | -9.6 | 3.7 | 18.3 | 15.6 | 8.7 | 5.3 | 29.5 | 35.1 | 24.7 | 42.5 | 44.8 | 48.4 | 30.9 | 35.4 | 24.4 |
| Operating margin | 16% | 5% | -4% | 10% | -2% | -20% | 7% | 25% | 21% | 13% | 8% | 34% | 38% | 31% | 47% | 45% | 46% | 36% | 41% | 28% |
| Interest expense | 5.8 | 6.3 | 6.8 | 7.4 | 8.5 | 10.0 | 10.6 | 10.7 | 11.5 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Pre-tax income | 31.1 | 16.6 | 0.2 | 9.7 | 0.4 | -7.2 | 4.1 | 18.8 | 16.0 | 3.0 | 10.5 | 28.6 | 34.4 | 14.6 | 22.0 | 12.7 | 81.6 | 39.8 | 58.0 | 25.5 |
| Tax rate | 2% | -2% | 222% | 2% | 287% | n/a | 4% | 4% | 3% | 35% | 4% | 3% | 7% | 4% | 7% | 10% | 7% | 3% | 7% | 39% |
| Net income | 14.1 | 11.4 | 1.1 | 3.5 | -0.6 | 3.1 | 0.3 | 2.1 | 2.2 | -5.6 | 5.5 | 3.1 | 4.3 | -5.6 | -11.4 | -20.8 | 41.6 | 16.8 | 28.4 | 14.8 |
| Net margin | 19% | 18% | 2% | 5% | -1% | 6% | 0% | 3% | 3% | -8% | 9% | 4% | 5% | -7% | -13% | -21% | 40% | 20% | 33% | 17% |
| Diluted EPS | $1.06 | n/a | $0.08 | $0.10 | -$0.04 | n/a | $0.02 | $0.14 | $0.13 | n/a | $0.10 | $0.16 | $0.21 | n/a | -$0.48 | -$0.78 | $0.77 | n/a | $0.56 | $0.18 |
| Operating cash flow | 35.3 | 47.3 | 44.7 | 58.1 | 69.5 | 71.0 | 65.6 | 72.9 | 75.0 | 82.6 | 74.4 | 77.3 | 77.6 | 94.5 | 83.7 | 95.6 | 105 | 117 | 90.8 | 92.0 |
| Capital expenditure | 4.0 | 3.8 | 3.8 | 3.1 | 3.2 | 3.1 | 2.1 | 2.5 | 2.3 | 2.1 | 2.1 | 2.6 | 3.9 | 4.4 | 4.4 | 4.6 | 5.2 | 4.9 | 5.1 | 4.6 |
| Free cash flow | 31.3 | 43.4 | 40.9 | 55.0 | 66.2 | 67.9 | 63.5 | 70.4 | 72.8 | 80.5 | 72.3 | 74.7 | 73.7 | 90.1 | 79.3 | 91.0 | 99.9 | 112 | 85.6 | 87.4 |
| Buybacks | 0.0 | 0.0 | 1.0 | 1.1 | 0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | n/a | n/a | 1.0 | n/a | 0.0 | 0.0 | 7.4 | 8.2 | 9.9 | 1.2 |
| Dividends paid | n/a | n/a | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | n/a | n/a | 0.0 | n/a | n/a | n/a | 0.0 | n/a | n/a | n/a |
| Shares outstanding | n/a | 14m | n/a | 14m | 110m | n/a | 110m | 111m | 111m | n/a | 111m | 86m | 86m | n/a | 87m | 87m | n/a | n/a | n/a | n/a |
| Filing | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q | 10-Q | 10-K | 10-Q | 10-Q |
Each quarter as filed, linked to its filing.
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* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A blank figure marked on a quarter is one the filings do not give on their own: the quarters as filed do not add to the year the company filed, or the year and its quarters stand on different share counts. Each quarter's page says which. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.10-Q for the period ended 30 September 2025, filed 6 November 2025: the filing.