OppFi reported 3Q26 revenue of $149.2M, down 3.8% y/y, while adjusted net income declined 22.5% to $31.6M and adjusted EPS was $0.37. Originations remained pressured and credit costs increased, although recoveries improved meaningfully during the quarter. Management continues to position the business for renewed growth in 2027 through the recently launched line-of-credit product, continued migration to the LOLA platform, Pricing Test 5, and the expected launch of Model 7. The pending BNCC acquisition also remains an important longer-term growth opportunity, with regulatory approval representing the primary remaining condition to close. Management narrowed FY26 guidance to $600M–$610M of revenue, $115M–$120M of adjusted net income, and $1.34–$1.40 of adjusted EPS, while maintaining its longer-term growth expectations and approximately $3.00 FY28 EPS objective.