Análisis PESTLE de OppFi Inc. (OPFI) [Actualizado en enero de 2025]

En el panorama dinámico de los préstamos alternativos, Oppfi Inc. (OPFI) surge como una fuerza transformadora, navegando por las aguas regulatorias complejas e innovaciones tecnológicas para proporcionar soluciones financieras para poblaciones desatendidas. Al aprovechar las plataformas crediticias y las plataformas digitales impulsadas por la IA de vanguardia, la compañía desafía los paradigmas bancarios tradicionales al tiempo que aborda los desafíos económicos y sociales críticos que enfrentan millones de estadounidenses que buscan servicios financieros accesibles. Este análisis de mortero presenta el ecosistema multifacético en el que opera Oppfi, revelando la intrincada interacción de los factores políticos, económicos, sociológicos, tecnológicos, legales y ambientales que dan forma a su trayectoria estratégica y potencial para un crecimiento sostenible.

Oppfi Inc. (OPFI) - Análisis de mortero: factores políticos

Escrutinio regulatorio de prácticas de préstamos alternativos

A partir de 2024, Oppfi enfrenta importantes desafíos regulatorios en el sector de servicios financieros del consumidor. La Oficina de Protección Financiera del Consumidor (CFPB) ha monitoreado activamente las prácticas de préstamo alternativas, con 237 acciones de aplicación contra los prestamistas FinTech en 2023.

Cuerpo regulador	Número de investigaciones	Rango fino potencial
CFPB	47	$ 500,000 - $ 5 millones
Reguladores estatales	89	$ 250,000 - $ 2.5 millones

Legislación de protección del consumidor a nivel federal y estatal

Múltiples estados han implementado regulaciones más estrictas sobre préstamos alternativos:

• La Ley de Protección Financiera del Consumidor de California (CCFPL) impone requisitos de cumplimiento adicionales
• Departamento de Servicios Financieros de Nueva York aumentó la supervisión de las plataformas de préstamos en línea
• La Ley de prevención de préstamos depredadores de Illinois limita las tasas de interés al 36% APR

Clima político para fintech y puntuación crediticia alternativa

Desarrollos políticos clave que afectan la puntuación crediticia alternativa:

Iniciativa política	Impacto potencial	Estado
Ley de modernización de informes de crédito justo	Regulaciones de calificación crediticia alternativa más estrictas	Bajo la revisión del Congreso
Ley de Crédito Justo Digital	Requisitos de transparencia mejorados	Propuesto en el Senado

Cambios de regulación bancaria para proveedores de servicios financieros no tradicionales

El paisaje regulatorio muestra un escrutinio creciente:

• La Reserva Federal aumentó los requisitos de informes en un 42% en 2023
• OCC exige protocolos de gestión de riesgos mejorados
• La implementación de Basilea III afecta los requisitos de capital para los prestamistas alternativos

Los costos de cumplimiento para los prestamistas alternativos han aumentado en aproximadamente un 27% en 2023, con un crecimiento continuo proyectado en 2024.

Oppfi Inc. (OPFI) - Análisis de mortero: factores económicos

Incertidumbre económica continua que afecta los patrones de préstamos de los consumidores

A partir del cuarto trimestre de 2023, Oppfi Inc. reportó $ 116.1 millones en ingresos totales, con un ingreso neto de $ 3.4 millones. El mercado de préstamos al consumidor demostró una volatilidad significativa, con montos promedio de préstamos que oscilan entre $ 500 y $ 4,000.

Indicador económico	Valor	Año
Ingresos totales	$ 116.1 millones	2023
Lngresos netos	$ 3.4 millones	2023
Monto promedio del préstamo	$500-$4,000	2023

Presiones inflacionarias que afectan la demografía del prestatario de bajos ingresos

El índice de precios al consumo (IPC) para hogares de bajos ingresos aumentó en un 6,7% en 2023, lo que afectó directamente las capacidades de préstamo y las evaluaciones de riesgos de crédito.

Métrico de inflación	Porcentaje	Año
IPC para hogares de bajos ingresos	6.7%	2023
Ingresos familiares promedio	$70,784	2023
Tasa de desempleo	3.7%	2023

Tasas de interés fluctuantes que influyen en la rentabilidad de los préstamos

Las tasas de interés de la Reserva Federal oscilaron entre 5.25% -5.50% en 2023, afectando directamente los márgenes de préstamo de Oppfi y las estrategias de evaluación de riesgos.

Métrica de tasa de interés	Valor	Año
Tasa de fondos federales	5.25%-5.50%	2023
APR promedio para préstamos personales	11.48%	2023
Tasa de incumplimiento del préstamo OPPFI	8.3%	2023

Volatilidad económica Desafiando modelos de negocios de préstamos alternativos

El tamaño del mercado de préstamos alternativos se proyectó en $ 43.5 mil millones en 2023, con OPPFI manteniendo una posición competitiva a través de estrategias adaptativas de gestión de riesgos.

Métrica de préstamos alternativos	Valor	Año
Tamaño del mercado de préstamos alternativos	$ 43.5 mil millones	2023
Tasa de crecimiento de préstamos digitales	12.3%	2023
Cuota de mercado de préstamos en línea	17.5%	2023

Oppfi Inc. (OPFI) - Análisis de mortero: factores sociales

Tendencias sociológicas en préstamos alternativos

Según la encuesta 2021 de Federal Deposit Insurance Corporation (FDIC), El 14.1% de los hogares de EE. UU. Mantienen no bancaredos, que representa una importante oportunidad de mercado para servicios financieros alternativos.

Demográfico del consumidor	Porcentaje no bancarizado	Uso del servicio financiero alternativo
18-24 grupo de edad	22.3%	43.7%
Hogares de bajos ingresos	31.6%	55.2%
Comunidades minoritarias	25.8%	48.9%

Educación financiera digital

Los datos del Centro de Investigación Pew indican El 73% de los adultos de 18 a 29 años utilizan plataformas de banca digital, demostrando una participación financiera tecnológica creciente.

Preferencias de préstamos de consumo

El informe de Finanzas del Consumidor de TransUnion revela:

• El 67% de los consumidores prefieren soluciones de préstamos impulsadas por la tecnología
• Decisiones de crédito instantáneo de 58% de valor de valor
• El 62% prioriza las opciones de reembolso flexible

Percepciones sociales de préstamos alternativos

Categoría de percepción	Sentimiento positivo	Sentimiento negativo
Accesibilidad	74%	26%
Transparencia	62%	38%
Tasas de interés	45%	55%

Oppfi Inc. (OPFI) - Análisis de mortero: factores tecnológicos

AI avanzada y aprendizaje automático para calificación crediticia alternativa

OPPFI utiliza la tecnología de evaluación de crédito impulsada por la IA propietaria que evalúa más de 150 puntos de datos no tradicionales. Los algoritmos de aprendizaje automático de la compañía procesan un promedio de 10,000 solicitudes de préstamos diariamente con una tasa de precisión del 92.3% en la predicción de riesgos.

Métrica de tecnología	Valor cuantitativo
Puntos de datos de IA analizados	150+
Procesamiento de solicitudes de préstamos diarios	10,000
Precisión de predicción de riesgos	92.3%

Inversión continua en infraestructura de plataforma de préstamos digitales

Oppfi invirtió $ 12.4 millones en mejoras de infraestructura tecnológica en 2023, lo que representa el 8.7% de los ingresos anuales totales. La plataforma de préstamos basada en la nube de la compañía admite el procesamiento de transacciones en tiempo real con un tiempo de actividad del 99.99%.

Inversión en infraestructura	Cantidad
Inversión tecnológica 2023	$ 12.4 millones
Porcentaje de ingresos anuales	8.7%
Tiempo de actividad de la plataforma	99.99%

Tecnologías mejoradas de aplicaciones móviles y experiencia de usuario

La aplicación móvil de Oppfi procesa el 65% de las solicitudes de préstamos totales. La plataforma admite la autenticación biométrica y tiene una calificación de experiencia de usuario de 4.6/5 en las tiendas de aplicaciones.

Métrica de tecnología móvil	Valor
Procesamiento de préstamos de aplicaciones móviles	65%
Calificación de experiencia del usuario	4.6/5
Método de autenticación	Biométrico

Inversiones tecnológicas de ciberseguridad y protección de datos

OPPFI asigna $ 7.2 millones anuales a la infraestructura de ciberseguridad. La Compañía mantiene la certificación SoC 2 Tipo II y emplea protocolos de cifrado avanzados que protegen el 100% de los datos financieros del cliente.

Métrica de ciberseguridad	Valor
Inversión anual de ciberseguridad	$ 7.2 millones
Certificación de protección de datos	SoC 2 Tipo II
Protección de datos financieros del cliente	100%

Oppfi Inc. (OPFI) - Análisis de mortero: factores legales

Cumplimiento continuo de las regulaciones de la Oficina de Protección Financiera del Consumidor

Oppfi Inc. enfrenta una estricta supervisión regulatoria de la Oficina de Protección Financiera del Consumidor (CFPB). A partir de 2024, la compañía ha incurrido $ 3.85 millones en gastos relacionados con el cumplimiento. El CFPB ha realizado 4 auditorías completas de las prácticas de préstamo de Oppfi desde 2022.

Métrico regulatorio	Estado de cumplimiento	Impacto financiero
Frecuencia de auditoría CFPB	Trimestral	$ 385,000 por auditoría
Sanciones de violación regulatoria	2 infracciones menores	$ 275,000 Sanciones totales
Tamaño del departamento de cumplimiento	37 empleados a tiempo completo	Costo operativo anual de $ 2.1 millones

Variaciones de la ley de préstamos específicas del estado

Oppfi opera 35 estados con diversas regulaciones de préstamos. La compañía ha adaptado sus estrategias de préstamo para cumplir con diversos requisitos estatales.

Categoría estatal	Número de estados	Complejidad regulatoria
Estados altamente restrictivos	8 estados	Máximo de abril: 36%
Estados de regulación moderados	17 estados	Máximo de abril: 60%
Estados de regulación flexibles	10 estados	Máximo de abril: 99%

Desafíos legales relacionados con prácticas de préstamo alternativas

Oppfi se ha encontrado 3 desafíos legales significativos relacionado con su modelo de préstamo alternativo. Los costos totales de defensa legal en 2023 ascendieron a $ 1.2 millones.

Posibles riesgos de litigios en los servicios financieros del consumidor

La Compañía identifica múltiples categorías de riesgo de litigio:

• Acusaciones de préstamos depredadores
• Disputas de divulgación de tasas de interés
• Violaciones de protección del consumidor

Categoría de riesgo de litigio	Exposición legal estimada	Presupuesto de mitigación
Reclamos de préstamos depredadores	$ 5.7 millones de responsabilidad potencial	Reserva legal anual de $ 750,000
Violaciones de divulgación	$ 2.3 millones de responsabilidad potencial	$ 450,000 Reserva legal anual
Disputas de protección del consumidor	$ 3.1 millones de responsabilidad potencial	Reserva legal anual de $ 600,000

Oppfi Inc. (OPFI) - Análisis de mortero: factores ambientales

Plataforma digital Reducción de procesos de transacción financiera basados ​​en papel

La plataforma de préstamos digitales de Oppfi procesó 1,247,000 transacciones digitales en 2023, eliminando aproximadamente 74,820 kg de desechos de papel anualmente.

Año	Transacciones digitales	Reducción de residuos en papel (kg)
2022	1,103,000	66,180
2023	1,247,000	74,820

Eficiencia energética en infraestructura tecnológica

La infraestructura de la nube de OPPFI redujo el consumo de energía en un 22.4% en 2023, utilizando zonas de energía verde AWS con un 65% de abastecimiento de energía renovable.

Métrico de energía	Datos 2022	2023 datos
Consumo de energía (MWH)	1,345	1,044
Porcentaje de energía renovable	52%	65%

Reducción potencial de la huella de carbono a través del modelo de préstamo digital

El modelo de préstamo digital de Oppfi redujo las emisiones de carbono en 312 toneladas métricas CO2 equivalente en 2023, lo que representa una reducción del 28.3% desde la línea de base de 2022.

Año	Emisiones de carbono (toneladas métricas CO2E)	Porcentaje de reducción
2022	436	-
2023	312	28.3%

Consideraciones de sostenibilidad en inversiones en tecnología corporativa

Oppfi invirtió $ 3.2 millones en infraestructura de tecnología sostenible en 2023, lo que representa el 14.6% del presupuesto de tecnología total.

Categoría de inversión	2022 Inversión ($)	2023 inversión ($)
Tecnología sostenible	2,750,000	3,200,000
Presupuesto de tecnología total	18,500,000	21,900,000

OppFi Inc. (OPFI) - PESTLE Analysis: Social factors

You're looking at a market where financial fragility is a major driver of demand, and that's where OppFi Inc. finds its core opportunity. The social landscape is characterized by significant consumer need for non-traditional credit solutions, which directly supports your business model.

Growing segment of financially vulnerable consumers, with nearly 25% having less than one week's savings

Honestly, the savings picture for a large chunk of the population remains precarious. We see that nearly 25% of consumers report having less than one week's worth of savings available for an emergency. This level of exposure means that even minor financial shocks can push people toward high-cost, short-term credit options, or, more likely, toward responsible alternatives like the ones OppFi Inc. facilitates through its bank partners.

This vulnerability is a constant tailwind for the near-prime and subprime lending sectors. It's not just about low income; even some middle-income households are now considered 'fragile optimists,' confident in the future but lacking the discipline or means to build a substantial cushion right now.

High demand for financial inclusion, as 48 million Americans lack traditional credit options

The demand for financial inclusion is massive, driven by the millions excluded from mainstream credit. While official reports note that more than 45 million Americans are considered credit unserved or underserved, your target market is definitely in that range, which is why you need to keep focusing on those without traditional scores. The requirement for OppFi Inc. to serve the 48 million Americans who lack ready access to traditional credit is a clear mandate for your platform.

This segment faces a classic 'chicken or egg' problem: they can't get credit without a history, and they can't build history without credit. OppFi Inc.'s model, which looks beyond just the FICO score, directly addresses this social barrier.

Brand strength is high, evidenced by a 4.7/5.0 star rating on Trustpilot, which is defintely a key differentiator

Customer perception matters immensely when dealing with this demographic, and OppFi Inc. has built real trust. During the first quarter of 2025, OppLoans maintained an excellent 4.7 out of 5-star rating on Trustpilot based on over 4,900 reviews. This high rating, which is defintely a key differentiator, signals that your customer experience is resonating well with subprime borrowers who often feel marginalized by larger financial institutions.

Also, the Net Promoter Score (NPS) was reported around 78 to 79 in early to mid-2025, which shows a high degree of customer loyalty and willingness to recommend the service.

Subprime unsecured personal loan originations increased 35% year-over-year in Q2 2025

The market is responding to this need with significant volume growth. For the second quarter of 2025, unsecured personal loan originations saw growth strongest among riskier tiers, with subprime originations up 35% year-over-year. This is a huge number, showing that lenders who can effectively underwrite this risk-like OppFi Inc. through its bank partners-are capturing substantial market share.

Here's the quick math: this aggressive growth in the subprime segment suggests that the market is validating the demand and the ability of modern underwriting models to manage the associated risk. What this estimate hides, though, is the mix; much of this growth is being driven by returning customers, which speaks to the stickiness of your product.

Here is a snapshot of the key social indicators shaping the operating environment for OppFi Inc. as of 2025:

Social Metric	Value/Data Point	Source Context
Financially Vulnerable (Savings < 1 Week)	Nearly 25%	Consumer segment with high immediate need for credit alternatives.
Americans Lacking Traditional Credit	48 Million (Target Market Size)	Represents the pool of credit invisible/underserved consumers.
Trustpilot Rating (Q1 2025)	4.7/5.0 Stars	Indicates strong consumer trust and satisfaction.
Subprime Loan Origination Growth (YoY Q2 2025)	+35%	Demonstrates accelerating market acceptance of subprime lending.
Credit Card Ownership (US Adults 2025)	76%	Shows high penetration of traditional credit, highlighting the gap for the unbanked.

To capitalize on these social trends, you need to focus on reinforcing the trust you've built while scaling responsibly. Consider these immediate actions:

• Monitor subprime delinquency rates closely.
• Increase marketing spend on financial literacy tools.
• Benchmark auto-approval rates against Q1 2025 performance.
• Expand geographic reach in underserved states.
• Stress-test customer support capacity for volume spikes.

If onboarding takes 14+ days, churn risk rises, so process efficiency is a social imperative.

Finance: draft 13-week cash view by Friday.

OppFi Inc. (OPFI) - PESTLE Analysis: Technological factors

You're looking at how OppFi Inc. is using tech to stay ahead in a crowded lending space, and honestly, the numbers from late 2025 show they are making serious headway. The core takeaway here is that their heavy investment in proprietary algorithms is directly translating into better efficiency and higher approval volumes, which is exactly what you want to see from a fintech platform.

Rollout of the proprietary Model 6.1 and LOLA platform to enhance underwriting and efficiency in Q1 2026

The next big leap is scheduled right at the start of next year. OppFi is planning the full migration to its new origination system, LOLA, and the complete rollout of Model 6.1 in Q1 2026. Think of Model 6.1 as a smarter version of their current Model 6, specifically designed to better spot riskier borrower populations while still pushing volume higher. This isn't just a software update; it's a fundamental upgrade to how they price risk, which should help manage the slight uptick in charge-offs we saw in Q3 2025.

AI and Machine Learning (ML) models drove the auto-approval rate up to 79.1% in Q3 2025

The current tech stack is already delivering impressive results. By Q3 2025, the AI and Machine Learning (ML) models were so effective that the auto-approval rate-loans approved without human intervention-hit 79.1%. That's a huge efficiency gain, meaning fewer manual reviews and faster service for customers, which helps keep customer acquisition costs down. This automation is a major driver behind the record quarterly revenue of $155.1 million in Q3 2025.

Fintech competition is intense, requiring continuous investment in dynamic pricing and risk management tools

To be fair, everyone in digital lending is chasing the same efficiency gains. The fintech landscape is packed, so OppFi cannot afford to rest on its laurels with Model 6. Continuous investment in dynamic pricing-adjusting loan rates in real-time based on risk-is non-negotiable. The fact that management is already testing Connected TV advertising in Q4 2025 shows they are thinking about the next growth channel while simultaneously refining the core underwriting engine.

Scaling of automated approval processes is key to sustaining the improved operational leverage

Operational leverage (making more money without proportionally increasing costs) is clearly a major theme. The shift toward scaling these automated approval processes is central to their strategy to sustain the improved margins seen in 2025. When you look at total expenses before interest falling to 30% of revenue in Q3 2025, that's the direct result of this tech focus. If onboarding takes 14+ days, churn risk rises, so keeping that approval speed up is critical.

Here's a quick look at how these tech metrics are shaping up as they head into the next generation of models:

Metric	Q1 2025 (Approx.)	Q3 2025 (Actual)	Strategic Implication
Auto-Approval Rate	79.0%	79.1%	Sustained efficiency gains; minimal human touchpoint.
Net Charge-offs (% of Revenue)	Not specified	35.0%	Risk being priced in, justifying the need for Model 6.1 refinement.
Net Originations Growth (YoY)	Not specified	12.5%	Technology enabling volume growth despite tightening in some segments.
Next Gen Platform Launch	LOLA Testing Started	Model 6.1 Refit in Q4	Precursor to full Q1 2026 deployment.

Finance: draft 13-week cash view by Friday.

OppFi Inc. (OPFI) - PESTLE Analysis: Legal factors

You're running a specialty finance company that relies on a bank partnership to navigate state-level interest rate restrictions. That structure, while efficient for scaling, puts you directly in the crosshairs of regulatory scrutiny, making legal risk your number one near-term concern.

Ongoing 'true lender' litigation

The biggest legal overhang for OppFi Inc. remains the 'true lender' challenge brought by the California Department of Financial Protection and Innovation (DFPI). This case, which OppFi Inc. initiated back in March 2022 to block the DFPI from applying California usury law, is scheduled for trial in March 2025. Honestly, the DFPI's attempt to get a preliminary injunction was denied by the California Superior Court in October 2023, which was a win, but the core issue hasn't been settled. If the DFPI prevails at trial, it could fundamentally disrupt how OppFi Inc. operates in high-value states like California.

Here's the quick math on the stakes: OppFi Inc.'s 2025 adjusted net income guidance is \$125-130 million, and Q2 2025 revenue hit \$142.4 million. A loss in this trial could force a massive repricing of loans or a halt in origination in the state, directly impacting those forward-looking numbers.

Reliance on the bank-partner model

Your entire model-partnering with FinWise Bank to originate loans and then purchasing the receivables-is predicated on FinWise Bank being deemed the true lender, thus allowing OppFi Inc. to bypass state interest rate caps. The DFPI argues that because OppFi Inc. purchases 95% to 98% of the loan receivables, it holds the predominant economic interest, making OppFi Inc. the de facto lender subject to the California Financing Law (CFL) rate cap of 36% plus the federal funds rate for loans between \$2,500 and \$10,000. What this estimate hides is the bank's retained risk, which OppFi Inc. argues is sufficient for the partnership to stand under the Federal Deposit Insurance Act (FDI Act).

The legal risk here is binary: if the court sides with the DFPI's 'substance over form' argument, the high-APR loans that drive your 136.1% average yield could become illegal in that jurisdiction. This is the elephant in the room for any investor looking at the stock, despite the strong Q2 2025 performance where the auto-approval rate hit 80%.

Data privacy and consumer protection focus

Beyond rate caps, the regulatory environment is tightening around data handling. While you haven't seen a major enforcement action cited in 2025, the California Privacy Protection Agency's new CCPA rulemaking is set to take effect on January 1, 2026. This new framework specifically covers automated decision-making technology (ADMT) and risk assessments, which directly touches OppFi Inc.'s core underwriting engine, Model 6. You need to ensure your compliance roadmap accounts for these new rules, especially since the regulations introduce requirements for cybersecurity audits and updated CCPA regulations.

• New CCPA rules effective January 1, 2026.
• Focus on ADMT and risk assessments.
• Increased scrutiny on consumer data handling.

Positive precedent for dispute resolution

On a more positive note, OppFi Inc. has secured a key procedural victory that helps manage class action risk. The Ninth Circuit Court of Appeals, in a case like Carpenter et al. v. Opportunity Financial, LLC, upheld an arbitration clause, vacating a lower court's denial of a motion to compel arbitration. This is defintely good news for managing litigation costs.

The Ninth Circuit ruled that the lower court erred by deciding the choice of law provision's effect; that decision must be made by the arbitrator first. This precedent means that class action claims alleging usurious loans-the same claims often raised in the DFPI case-must be handled through individual arbitration, which is far less costly and less disruptive than a full class action trial.

Legal Factor	Status/Key Date	Quantifiable Risk/Data Point
CA DFPI 'True Lender' Trial	Scheduled for March 2025	Potential impact on loans exceeding 36% rate cap in CA
Bank Partnership Model Risk	Core to business structure	OppFi Inc. purchases 95% to 98% of receivables
Data Privacy Rulemaking	New CCPA rules effective Jan 1, 2026	Impacts ADMT (Model 6) and risk assessment processes
Arbitration Clause Precedent	Ninth Circuit upheld clause (2024/2025)	Diverts class action claims to individual arbitration

Finance: draft a memo outlining the potential impact of a negative DFPI ruling on the 2026 loan origination budget by next Wednesday.

OppFi Inc. (OPFI) - PESTLE Analysis: Environmental factors

You're looking at the 'E' in PESTLE for OppFi Inc., and honestly, the direct environmental footprint is almost non-existent, which is a huge plus for a digital platform. Because OppFi operates as a tech-enabled platform partnering with banks to offer loans, there are no massive factories or sprawling physical operations generating significant Scope 1 (direct) or Scope 2 (purchased energy) emissions. This digital nature means you don't have to worry about physical climate risks like flooding impacting data centers or office locations in the same way a real estate or manufacturing firm would.

Minimal Direct Environmental Impact and Physical Risk

The operational footprint for OppFi is lean. Think servers, office space, and employee travel-that's about it. This inherently limits direct exposure to physical climate risks, which is a nice buffer against immediate, tangible environmental shocks. The real environmental story for a company like OppFi isn't about its own smokestacks; it's about where the focus should be, which the market is increasingly pushing toward: the social side of ESG.

Focus Shifts to Social: Financial Inclusion Metrics

The market, and frankly, the regulators, are shifting scrutiny to the 'S' (Social) component of ESG, especially for fintechs like OppFi that target underserved consumers. Your core mission-providing accessible credit-is the primary environmental/social discussion point here. For the three months ended September 30, 2025, the platform demonstrated its reach and operational efficiency in serving this demographic. The auto-approval rate hit 79.1% for Q3 2025, up from 76.8% the prior year, showing improved algorithmic efficiency in extending credit responsibly. The company continues to focus on the 48 million everyday Americans facing credit insecurity. If onboarding takes 14+ days, churn risk rises, but these efficiency gains help mitigate that. Here's a snapshot of the scale of their Q3 2025 operations:

Metric	Value (Q3 2025)	Comparison/Context
Total Revenue	$155.1 million	Up 13.5% year-over-year
Net Income (GAAP)	$75.9 million	Up 136.9% year-over-year
Average Installment Loan (New Borrower)	Approx. $1,950	Illustrates the size of credit extended
Average Contractual Term	11 months	Defines the typical repayment window
Auto-Approval Rate	79.1%	Indicator of tech-enabled underwriting efficiency

Indirect Pressure: The Growing Scope 3 Reporting Trend

Even without direct operational emissions, the pressure to report on Scope 3 emissions-those indirect emissions from your value chain, like the energy used by your vendors or the impact of the loans themselves-is a definite trend. While some regulators, like Canada's OSFI, have delayed mandatory reporting for financial institutions until 2028, the broader market signal is clear: transparency is coming. For a company like OppFi, this means vendors, partners, and investors will increasingly ask about financed emissions, even if it's not legally mandated for you today. What this estimate hides is the difficulty in measuring financed emissions, as they often form the largest part of a financial firm's footprint.

You need to start thinking about this now, not when the deadline hits. It's about building the capability to track and report on these indirect impacts, aligning with frameworks like the GHG Protocol. This proactive stance helps manage reputational risk and prepares you for future disclosure requirements.

• Develop internal data collection for vendors.
• Assess materiality of financed emissions.
• Monitor ISSB standards alignment.
• Benchmark against voluntary disclosures.

Finance: draft a memo outlining the top five vendors by spend and their current sustainability reporting status by next Wednesday.