OppFi Inc. (OPFI) · Oct 27, 2026 · Earnings

OppFi earnings beat EPS, miss revenue; 2026 guidance cut

Miss — Revenue $149.2M vs ~$152.8M consensus; adjusted EPS $0.37 vs ~$0.35

OppFi’s Q3 earnings beat the EPS benchmark, but revenue slipped, credit losses worsened, and 2026 earnings guidance was cut.

OppFi is trying to broaden its bank-partnered digital lending platform beyond its core installment-loan business through a new line of credit, the LOLA application system, and the proposed BNCC acquisition. The strategic direction was already public; this filing shows the existing lending engine is under pressure while those newer growth initiatives are still early.

The quarter was mixed against expectations, not a clean beat. Adjusted EPS of $0.37 exceeded the published consensus of roughly $0.35, but total revenue of $149.2 million fell short of the approximately $152.8 million expectation. Revenue also declined 3.8% year over year, while adjusted net income fell 22.5% to $31.6 million. 〔0〕

Metric	Q3 2026	Q3 2025 / expectation	Read
Total revenue	$149.2M	$155.1M prior year; ~$152.8M consensus	Below both
Adjusted net income	$31.6M	$40.7M prior year	Down 22.5%
Adjusted EPS	$0.37	$0.46 prior year; ~$0.35 consensus	Above consensus, below prior year
Net charge-off rate / revenue	40%	35% prior year	Worse by 500 bps
Total net originations	$229M	$246M prior year	Down 7%
Free cash flow, nine months	$107.5M	$66.1M prior year	Up 62.8%
FY 2026 revenue guidance	$600M–$610M	Prior top end $625M	Reduced
FY 2026 adjusted EPS guidance	$1.34–$1.40	Prior top end $1.51	Reduced

Credit performance is the central deterioration. The net charge-off rate rose to 40% of revenue from 35%, and the annualized charge-off rate against average receivables climbed to 53% from 47%. Recoveries of previously charged-off loans increased 38% year over year to $15.2 million, but that benefit was not enough to offset elevated new charge-offs. 〔1〕

The lending base is shrinking rather than accelerating. Retained net originations dropped 11% to $191 million, ending receivables declined 5% to $459 million, and average yield slipped to 131% from 133% as delinquency outweighed the benefit of higher statutory rates. Tighter marketing-partner screening may reduce risk, but it also directly limits near-term volume. 〔2〕

Management lowered the financial hurdle for the rest of 2026. The new revenue range is $600 million to $610 million, versus a prior top end of $625 million; adjusted net income now tops out at $120 million versus $130 million previously, and adjusted EPS at $1.40 versus $1.51. That is a meaningful reset, not merely a reaffirmation, and it reflects weaker volume, lower yield, higher losses, and transaction-related costs.

The strategic investments provide optionality but not yet proof of a turnaround. All new customers now run through LOLA, and OppFi launched its line-of-credit product this quarter, but the filing gives no scale, revenue, or loss-performance data for either initiative. The $107.5 million of nine-month free cash flow and $140.7 million of cash and restricted cash support continued investment, while $17.9 million of year-to-date repurchases show capital-allocation flexibility; neither offsets the immediate earnings reset. 〔3〕

Bottom line: OppFi’s EPS held up better than expected, but the core credit book weakened enough to produce a revenue miss and lower full-year guidance. The new products and BNCC deal may broaden the platform later, but this filing is primarily a reset of near-term earnings expectations.

What to watch next

BNCC acquisition closing and regulatory approvals

Original filing on SEC EDGAR

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AllSight · BlackBerry Q2 FY27

Revenue $163.3M vs ~$144M expected; adjusted basic EPS $0.07 vs ~$0.04 consensus — a real upside surprise.Income statement
QNX revenue +27% to $80.3M; segment EBITDA $29.0M from $20.5M. “Record performance… core automotive.”Segment — QNX
Licensing jumped to $22.1M from $6.6M — it amplified the beat, but it's less recurring than QNX, so the quality sits in QNX.Segment — Licensing
FY27 guide lifted to $616–636M rev / $141–158M EBITDA, above the prior $594–621M / $119–139M framework.Guidance
QNX growth, margins, cash and a raised outlook all beat. But licensing amplified it and Secure Comms is flat — net retention 91% from 93%.Segment — Secure Comms

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Events/ANDE/8-K · Earnings

8-K · Item 2.02 · Earnings

The Andersons — a record Renewables quarter that beat profit expectations

Filed Aug 3, 2026ANDE · NASDAQ

AllSight readBeatPriced in▲ 1.8% since filed · reaction agrees

adj. EPS $2.15 vs ~$1.48 consensus

This filing tests whether The Andersons' sharp profit increase reflects broad operating improvement or a one-off renewable-fuels boost. It also separates strong adjusted earnings and cash generation from the quarter's legal and impairment charges.

The quarter was substantially stronger than both last year and the published earnings expectation. Adjusted EPS reached $2.15, versus $0.24 a year earlier and above the published consensus of about $1.48; reported EPS was $1.65. Adjusted EBITDA more than doubled to $140 million, while sales slipped modestly — the improvement came from margins and operating performance rather than higher revenue. Financial Highlights · Statements of Operations

Q2 ($M, exc. per-share)	Q2 2026	Q2 2025	YoY
Sales & merchandising revenue	3,097.7	3,135.9	−1%
Net income (attributable)	56.6	7.9	+48.7
Diluted EPS	1.65	0.23	+1.42
Adjusted EPS	2.15	0.24	+1.91
Adjusted EBITDA	140.3	65.2	+75.1
Agribusiness adj. pretax	20.3	16.8	+3.5
Renewables adj. pretax	88.4	9.6	+78.8
Cash from operations	487.9	299.3	+188.6
Cash from ops (pre-WC)	112.9	42.9	+70.1

Renewables drove nearly all of the upside — the operating backdrop was strong, but the result also benefited materially from tax credits. Renewables' adjusted pretax income rose to $88 million on record production, stronger ethanol margins and merchandising gains. It also received $24 million of 45Z producer tax credits, so this was not solely a repeatable plant-margin improvement; the company did cite healthy export and domestic ethanol demand as supportive. Renewables — Record Q2 · Segment Data

Agribusiness improved, but it was a supporting contributor rather than the main earnings engine. Adjusted pretax income increased to $20 million as fertilizer margins improved and merchandising benefited from commodity-price volatility, despite lower fertilizer volumes. Agribusiness — Improved Q2 · Segment Data

Cash generation improved and funding capacity is comfortable, while reported earnings still absorbed meaningful non-core costs. Operating cash flow was $488 million ($113 million before working-capital changes); capital spending was $76 million. Adjusted EPS excludes $0.50 of legal-settlement, impairment and transaction items, so the $2.15 adjusted result runs ahead of the $1.65 reported. Leverage stays below the <2.5× debt-to-EBITDA target; no new quantified full-year outlook was given. Cash & Liquidity · Adjusted Net Income

Community sentiment · 612 votes

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OppFi earnings beat EPS, miss revenue; 2026 guidance cut

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