OppFi Inc. (OPFI) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.636 Good morning and welcome to OpFi's third quarter 2025 earnings conference call. 00:00:04.636 -- 00:00:07.600 All participants are in a listen-only mode. 00:00:07.600 -- 00:00:10.463 As a reminder, this conference call is being recorded. 00:00:10.463 -- 00:00:14.528 Following management's presentation, a question and answer session will be held. 00:00:14.528 -- 00:00:18.152 For those listening by dial-in, you will be prompted to enter the queue after the prepared 00:00:18.152 -- 00:00:23.678 remarks. I am pleased to introduce your host, Mike Gallantine, Head of Investor Relations. 00:00:23.678 -- 00:00:24.259 You may begin. 00:00:24.259 -- 00:00:26.161 Thank 00:00:26.161 -- 00:00:31.595 you, Operator. Good morning and welcome to OPFI's third quarter 2025 earnings 00:00:31.595 -- 00:00:36.620 call. Today our executive chairman and CEO Todd Schwartz and 00:00:36.620 -- 00:00:41.645 CFO Pam Johnson will present our financial results followed by 00:00:41.645 -- 00:00:44.268 a question and answer session. 00:00:44.268 -- 00:00:49.591 You can access the earnings presentation on our website at investors.opfi.com. 00:00:51.275 -- 00:00:56.478 During this call, OPFI may discuss certain forward-looking information. 00:00:56.478 -- 00:01:01.704 The company's filings with the SEC describe essential factors that could cause actual 00:01:01.704 -- 00:01:05.448 results, developments, and business decisions 00:01:05.448 -- 00:01:08.732 to differ materially from forward-looking statements. 00:01:08.732 -- 00:01:13.197 Please refer to slide two of the earnings presentation and press release for our disclaimer 00:01:13.197 -- 00:01:18.443 statements covering forward-looking statements and references to information about non-GAAP 00:01:18.443 -- 00:01:...