OppFi Inc. (OPFI) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning and welcome to OpFi's third quarter 2025 earnings conference call. All participants are in a listen-only mode. As a reminder, this conference call is being recorded. Following management's presentation, a question and answer session will be held. For those listening by dial-in, you will be prompted to enter the queue after the prepared remarks. I am pleased to introduce your host, Mike Gallantine, Head of Investor Relations. You may begin. Thank you, Operator. Good morning and welcome to OPFI's third quarter 2025 earnings call. Today our executive chairman and CEO Todd Schwartz and CFO Pam Johnson will present our financial results followed by a question and answer session. You can access the earnings presentation on our website at investors.opfi.com. During this call, OPFI may discuss certain forward-looking information. The company's filings with the SEC describe essential factors that could cause actual results, developments, and business decisions to differ materially from forward-looking statements. Please refer to slide two of the earnings presentation and press release for our disclaimer statements covering forward-looking statements and references to information about non-GAAP financial measures, which will be discussed throughout today's call. Reconciliations of those measures to gap measures can be found in the appendix to our earnings presentation and press release. With that, I'd like to turn the call over to Todd. Thanks, Mike, and good morning, everyone. Thank you for joining us today. OPFI achieved another record quarter of revenue, profitability, originations, and ending receivables. In addition, we are happy to report that we have renewed our credit agreement with Castle Lake, improving operating leverage, pricing, and capacity. Given ou...