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As of Q3'25, OPFI's EPS Surprise % stands at 0.48%, with the most recent EPS Growth (YoY) at 6.05%. This reflects a modest positive earnings surprise and a notable year-over-year EPS growth for the latest quarter in the period ending September 2025. Over the period from Q4'22 to Q3'25, the EPS Surprise % has generally declined from a peak of 6.55% in Q1'23 to below 1% in recent quarters, indicating reduced volatility in earnings performance versus expectations. EPS Growth (YoY) has been highly volatile, with sharp swings including a significant spike to 13.5% in Q1'24 and deep declines such as -5.88% in Q2'25, before rebounding strongly in Q3'25. This pattern suggests that while earnings surprises have stabilized, underlying earnings growth remains unpredictable and subject to significant fluctuations.