OppFi Inc. (NYSE: OPFI) released its financial results for the third quarter ended September 30, 2026, alongside an update on its share repurchase program. The company reported total revenue of $149.23 million for the quarter, a decrease of 3.8% compared to the same period in 2025. Net income attributable to OppFi Inc. was $34.48 million, representing a decline of 17.2% year-over-year.
On a per-share basis, basic earnings per share (EPS) were $0.41, down from $1.48 in the prior year. Diluted EPS was $0.40, compared to $0.77 in the prior year. The company also reported Adjusted Net Income of $31.56 million and Adjusted EPS of $0.37 for the quarter.
Key performance metrics showed total net originations of $229.35 million, a 6.8% decrease from the prior year. Total retained net originations were $190.67 million, down 11.4%. The average yield on finance receivables was 131.4%, while the net charge-off rate as a percentage of total revenue was 40.1%.
OppFi announced that it repurchased $6.7 million of its Class A common stock during the third quarter. Over the nine months ended September 30, 2026, the company repurchased $17.9 million of stock at an average price of $8.91 per share.
Looking ahead, OppFi provided updated full-year 2026 guidance. The company expects total revenue to be between $600 million and $610 million. Adjusted net income is projected to be between $115 million and $120 million, with Adjusted EPS expected to range from $1.34 to $1.40, based on an approximate weighted average diluted share count of 86 million shares.
