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OppFi (OPFI) guidance and outlook
OppFi (OPFI) updated its guidance on Nov 3, 2026: Revenue (segment) $600M–$610M for FY2026. OppFi's 10-Q filed Nov 5, 2026 makes 8 forward-looking statements.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| Revenue | FY2026 | $600M–$610M | new |
From the earnings release filed Nov 3, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Nov 5, 2026
- following the date thereof will merge with and into BNC National Bank, a wholly owned subsidiary of BNCC (“BNC”), with BNC (which is expected to be renamed OppFi Bank, N.A.) surviving as our wholly owned subsidiary (together with the Merger, the “Transaction”).
- Going forward, we intend to substantively engage with federal regulators regarding the creation of practical market-and consumer-based standards that will allow innovative community banks and financial technology platforms to combine.
- There can be no assurance that we will submit new applications or that, if we do, regulatory approval will be obtained.
- If consummated, the Transaction is expected to enable us to operate as a bank holding company and, over time, provide access to a more stable and lower-cost source of funding through deposits, although it will also subject us to increased regulatory capital and compliance requirements.
- We expect the simplified structure to improve the transparency and comparability of our financial results and better position us to execute on our strategic and capital allocation priorities.
- We believe these adjustments provide investors with a comparative view of expenses that we expect to incur on an ongoing basis.
- As part of management’s plan to improve the economics of our funding sources, on April 15, 2026, Gray Rock SPV LLC paid in full the outstanding obligations under its revolving credit agreement with Midtown Madison Management LLC (the “Gray Rock Credit Agreement”).
- We intend to use the proceeds of the borrowings under the Term Loan Agreement to support our ongoing growth in finance receivables and for working capital and general corporate purposes.
OppFi's latest quarter
OppFi, Q3 2026: revenue $92.8M (-11% year over year), operating margin 39.9%, net earnings $34.5M, operating cash flow $85.3M. The chart follows the revenue to costs, profit and cash.
Questions
Did OppFi raise or lower its guidance?
OppFi (OPFI) updated its guidance on Nov 3, 2026: Revenue (segment) $600M–$610M for FY2026.
What does OppFi expect?
following the date thereof will merge with and into BNC National Bank, a wholly owned subsidiary of BNCC (“BNC”), with BNC (which is expected to be renamed OppFi Bank, N.A.) surviving as our wholly owned subsidiary (together with the Merger, the “Transaction”). Going forward, we intend to substantively engage with federal regulators regarding the creation of practical market-and consumer-based standards that will allow innovative community banks and financial technology platforms to combine. There can be no assurance that we will submit new applications or that, if we do, regulatory approval w
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.