OppFi (OPFI) Financials

$9.84 +0.13 (+1.32%)

Closing price 10/23/2025 03:59 PM Eastern

Extended Trading

$9.72 -0.12 (-1.19%)

As of 07:00 AM Eastern

Annual Income Statements for OppFi

This table shows OppFi's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	-7.88	0.00	26	7.10	-1.01	7.26
Consolidated Net Income / (Loss)	0.00	111	90	3.34	39	84
Net Income / (Loss) Continuing Operations	-7.88	111	90	3.34	39	84
Total Pre-Tax Income	-7.88	78	90	3.06	42	88
Total Operating Income	33	78	57	-6.34	46	95
Total Gross Profit	0.00	246	285	391	444	465
Total Revenue	0.00	290	351	453	509	526
Operating Revenue	-	290	351	453	509	526
Total Cost of Revenue	0.00	44	66	62	65	61
Operating Cost of Revenue	-	44	65	60	61	60
Other Cost of Revenue	-	-	0.93	1.94	4.35	0.04
Total Operating Expenses	7.88	135	141	163	166	166
Selling, General & Admin Expense	7.88	16	33	25	32	37
Marketing Expense	-	19	52	58	51	49
Depreciation Expense	-	6.73	10	14	13	9.62
Other Operating Expenses / (Income)	-	93	46	63	71	68
Impairment Charge	-	0.00	0.00	3.57	0.00	0.00
Restructuring Charge	-	-	-	0.00	0.00	2.98
Total Other Income / (Expense), net	0.00	0.23	-53	-225	-236	-211
Interest & Investment Income	-	0.79	-	0.00	0.00	1.44
Other Income / (Expense), net	0.00	0.00	-53	-225	-236	-212
Income Tax Expense	-	0.00	0.31	-0.28	2.33	4.22
Net Income / (Loss) Attributable to Noncontrolling Interest	-	-	64	-3.76	40	77
Basic Earnings per Share	-	$0.00	$1.93	$0.51	($0.06)	$0.36
Weighted Average Basic Shares Outstanding	0.00	0.00	13.22M	13.91M	16.39M	20.15M
Diluted Earnings per Share	-	$0.00	$0.48	$0.05	($0.06)	$0.36
Weighted Average Diluted Shares Outstanding	0.00	0.00	84.47M	84.26M	16.39M	20.15M
Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	109.97M	109.79M	110.92M	86.40M
Cash Dividends to Common per Share	-	-	-	-	-	$0.12

This table shows OppFi's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-1.66	4.22	0.25	2.14	2.17	-5.57	5.54	3.07	4.26	-5.61	-11
Consolidated Net Income / (Loss)	-0.57	-5.29	3.93	18	16	1.94	10	28	32	14	20
Net Income / (Loss) Continuing Operations	-1.66	-4.20	3.93	18	16	1.94	10	28	32	14	20
Total Pre-Tax Income	-1.66	-5.22	4.08	19	16	2.98	11	29	34	15	22
Total Operating Income	-0.97	-9.61	3.73	18	16	8.71	5.28	29	35	25	42
Total Gross Profit	0.00	216	106	102	118	117	111	110	123	121	126
Total Revenue	0.00	244	120	122	133	133	127	126	137	136	140
Operating Revenue	-	-	120	122	133	133	127	126	137	136	140
Total Cost of Revenue	0.00	29	15	20	15	15	16	16	14	14	14
Operating Cost of Revenue	-	-	15	16	15	15	16	16	14	14	14
Other Cost of Revenue	-	-	0.07	3.87	0.20	0.22	0.03	0.00	0.00	0.01	0.00
Total Operating Expenses	2.98	88	39	40	45	42	42	41	42	42	35
Selling, General & Admin Expense	2.98	10	6.83	8.53	8.82	7.49	9.26	8.66	9.30	9.41	8.06
Marketing Expense	-	-	11	13	14	13	9.51	13	14	13	10
Depreciation Expense	-	-	3.39	3.32	3.12	2.91	2.73	2.49	2.28	2.13	1.76
Other Operating Expenses / (Income)	-	-	18	15	19	19	18	17	17	17	16
Restructuring Charge	-	-	0.00	0.00	0.00	-	2.92	-0.03	0.06	0.04	-1.45
Total Other Income / (Expense), net	1.32	-132	-63	-44	-57	-73	-59	-41	-46	-65	-70
Interest & Investment Income	-	-	-	-	0.00	-	0.00	-	0.63	-	1.08
Other Income / (Expense), net	1.32	-140	-63	-44	-57	-73	-59	-41	-47	-66	-71
Income Tax Expense	-	-	0.15	0.69	0.46	1.03	0.40	0.91	2.30	0.60	1.65
Net Income / (Loss) Attributable to Noncontrolling Interest	-	-	3.68	16	13	7.51	4.59	25	28	20	32
Basic Earnings per Share	-	-	$0.02	$0.14	$0.13	($0.35)	$0.29	$0.16	$0.21	($0.30)	($0.48)
Weighted Average Basic Shares Outstanding	13.97M	13.91M	15.04M	15.63M	16.77M	16.39M	19.21M	19.68M	20.25M	20.15M	23.69M
Diluted Earnings per Share	-	-	$0.02	$0.14	$0.13	($0.35)	$0.10	$0.16	$0.21	($0.11)	($0.48)
Weighted Average Diluted Shares Outstanding	13.97M	84.26M	15.19M	15.87M	17.06M	16.39M	86.24M	19.68M	20.25M	20.15M	23.69M
Weighted Average Basic & Diluted Shares Outstanding	13.97M	109.79M	219.58M	221.04M	221.34M	110.92M	222.52M	172.51M	172.43M	86.40M	173.62M

This table details how cash moves in and out of OppFi's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	13	9.68	17	-13	24	14
Net Cash From Operating Activities	149	192	167	243	296	324
Net Cash From Continuing Operating Activities	149	192	167	243	296	324
Net Income / (Loss) Continuing Operations	33	78	90	3.34	39	84
Consolidated Net Income / (Loss)	33	78	90	3.34	39	84
Depreciation Expense	4.28	6.73	10	14	13	9.62
Amortization Expense	1.79	1.95	2.31	2.37	2.43	2.41
Non-Cash Adjustments To Reconcile Net Income	101	102	59	229	240	217
Changes in Operating Assets and Liabilities, net	8.87	4.15	6.15	-4.74	1.97	11
Net Cash From Investing Activities	-214	-98	-199	-317	-244	-243
Net Cash From Continuing Investing Activities	-214	-98	-199	-317	-244	-243
Purchase of Property, Plant & Equipment	-6.64	-11	-14	-13	-8.99	-13
Acquisitions	-	-	-	0.00	0.00	-16
Purchase of Investments	-476	-473	-588	-738	-721	-732
Other Investing Activities, net	269	386	403	434	486	518
Net Cash From Financing Activities	78	-84	49	61	-28	-66
Net Cash From Continuing Financing Activities	78	-84	49	61	-28	-66
Repayment of Debt	87	-2.37	-6.33	-4.52	-1.71	-21
Repurchase of Common Equity	-	0.00	0.00	-2.46	0.00	-3.55
Payment of Dividends	-9.49	-16	-51	-1.31	-10	-45
Issuance of Debt	0.00	-66	127	71	-13	5.62
Issuance of Common Equity	0.00	0.00	0.20	0.13	0.33	0.29
Other Financing Activities, net	0.00	0.00	-21	-1.63	-2.80	-2.78
Cash Interest Paid	20	20	22	32	44	43
Cash Income Taxes Paid	-	0.00	0.00	0.36	0.07	0.48

This table details how cash moves in and out of OppFi's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-7.17	-0.80	22	-9.27	3.92	7.92	15	-7.88	-6.60	14	2.48
Net Cash From Operating Activities	69	71	66	73	75	83	74	77	78	95	84
Net Cash From Continuing Operating Activities	69	71	66	73	75	83	74	77	78	95	84
Net Income / (Loss) Continuing Operations	-0.66	-5.20	3.93	18	16	1.94	10	28	32	14	20
Consolidated Net Income / (Loss)	-0.66	-5.20	3.93	18	16	1.94	10	28	32	14	20
Depreciation Expense	3.45	3.53	3.39	3.32	3.12	2.91	2.73	2.49	2.28	2.13	1.76
Amortization Expense	0.12	0.75	0.76	0.51	0.59	0.56	0.55	0.60	0.61	0.65	1.04
Non-Cash Adjustments To Reconcile Net Income	69	73	67	44	56	72	63	41	44	68	73
Changes in Operating Assets and Liabilities, net	-2.73	-1.10	-9.55	6.96	-0.14	4.70	-2.00	5.12	-1.72	9.31	-12
Net Cash From Investing Activities	-79	-74	-28	-75	-77	-64	-18	-59	-93	-73	-34
Net Cash From Continuing Investing Activities	-79	-74	-28	-75	-77	-64	-18	-59	-93	-73	-34
Purchase of Property, Plant & Equipment	-3.24	-3.10	-2.12	-2.52	-2.25	-2.10	-2.13	-2.59	-3.89	-4.40	-4.39
Purchase of Investments	-187	-182	-155	-191	-194	-181	-153	-184	-202	-194	-167
Other Investing Activities, net	111	111	129	119	119	119	137	128	128	125	137
Net Cash From Financing Activities	2.41	1.97	-16	-7.30	5.68	-10	-42	-26	9.09	-7.62	-47
Net Cash From Continuing Financing Activities	2.41	1.97	-16	-7.30	5.68	-10	-42	-26	9.09	-7.62	-47
Repayment of Debt	-0.01	-2.42	-0.22	-13	12	-0.06	0.00	-11	-0.01	-10	-34
Payment of Dividends	-0.15	0.01	-0.01	-7.51	-2.73	0.01	-8.37	-23	-13	-0.34	-11
Issuance of Common Equity	0.13	-	0.16	-	0.17	-	0.12	-	0.18	-	0.09
Other Financing Activities, net	-0.90	-0.89	-0.81	-1.45	0.12	-0.67	-0.91	-1.28	-0.26	-0.33	-1.89
Cash Interest Paid	8.10	9.79	10	11	11	11	11	10	11	10	9.19
Cash Income Taxes Paid	0.01	0.02	0.01	0.01	0.05	-	0.15	0.25	0.07	0.01	0.01

This table presents OppFi's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	286	502	580	602	641
Total Current Assets	26	62	50	74	88
Cash & Equivalents	26	25	16	32	61
Restricted Cash	-	37	33	42	27
Plant, Property, & Equipment, net	11	15	14	10	14
Total Noncurrent Assets	42	425	516	517	539
Long-Term Investments	-	-	-	0.00	19
Noncurrent Note & Lease Receivables	-	388	458	463	474
Noncurrent Deferred & Refundable Income Taxes	0.00	26	27	26	21
Other Noncurrent Operating Assets	42	11	31	28	25
Total Liabilities & Shareholders' Equity	286	502	580	602	641
Total Liabilities	187	344	421	408	407
Total Current Liabilities	24	36	30	26	33
Accounts Payable	-	6.10	6.34	4.44	0.88
Accrued Expenses	24	30	23	22	32
Total Noncurrent Liabilities	260	309	391	381	374
Long-Term Debt	260	274	345	333	319
Noncurrent Deferred & Payable Income Tax Liabilities	-	23	26	25	27
Other Noncurrent Operating Liabilities	0.00	11	20	23	28
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	0.00	158	159	194	234
Total Preferred & Common Equity	0.00	-9.04	-0.49	10	33
Preferred Stock	0.00	0.00	0.00	0.00	0.00
Total Common Equity	0.35	-9.04	-0.49	10	33
Common Stock	0.35	62	66	76	94
Retained Earnings	-	-71	-64	-64	-55
Treasury Stock	-	0.00	-2.46	-2.46	-6.01
Noncontrolling Interest	0.00	167	160	184	201

This table presents OppFi's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2022	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	578	580	560	577	601	563	573	619	640
Total Current Assets	62	50	71	62	66	89	81	74	91
Cash & Equivalents	23	14	32	27	31	47	47	45	58
Restricted Cash	34	36	39	35	35	42	34	29	33
Plant, Property, & Equipment, net	15	15	13	12	11	9.69	9.80	11	16
Total Noncurrent Assets	501	515	476	503	523	465	482	534	533
Long-Term Investments	-	-	-	-	-	-	-	19	19
Noncurrent Note & Lease Receivables	451	462	418	447	467	412	431	461	455
Noncurrent Deferred & Refundable Income Taxes	25	24	27	26	25	26	25	22	28
Other Noncurrent Operating Assets	25	29	31	30	32	27	27	30	32
Total Liabilities & Shareholders' Equity	578	580	560	577	601	563	573	619	640
Total Liabilities	413	415	396	400	411	366	371	399	403
Total Current Liabilities	30	27	21	27	25	24	28	30	33
Accounts Payable	10	6.68	3.71	4.06	3.57	3.98	2.40	4.69	1.96
Accrued Expenses	19	20	17	23	22	20	26	26	31
Total Noncurrent Liabilities	383	388	375	374	385	342	343	369	370
Long-Term Debt	336	340	331	332	342	300	302	326	288
Noncurrent Deferred & Payable Income Tax Liabilities	24	24	26	24	24	25	25	25	33
Other Noncurrent Operating Liabilities	23	24	19	17	19	17	17	18	50
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	165	165	164	177	190	197	202	220	237
Total Preferred & Common Equity	-3.98	-3.24	1.44	7.45	11	18	19	35	23
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	-3.98	-3.24	1.44	7.45	11	18	19	35	23
Common Stock	64	66	67	71	72	79	81	92	101
Retained Earnings	-66	-67	-63	-61	-59	-58	-57	-51	-72
Treasury Stock	-2.15	-2.46	-2.46	-2.46	-2.46	-2.46	-4.99	-6.01	-6.01
Noncontrolling Interest	169	169	163	170	178	179	183	185	214

This table displays calculated financial ratios and metrics derived from OppFi's official financial filings.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-
Revenue Growth	0.00%	0.00%	20.79%	29.18%	12.39%	3.34%
EBITDA Growth	0.00%	120.66%	-80.58%	-1,384.16%	18.84%	39.35%
EBIT Growth	0.00%	134.93%	-94.65%	-5,669.13%	17.88%	37.85%
NOPAT Growth	0.00%	235.62%	-26.39%	-112.12%	732.93%	105.64%
Net Income Growth	0.00%	0.00%	-19.45%	-96.28%	1,082.01%	112.36%
EPS Growth	0.00%	0.00%	0.00%	-89.58%	-220.00%	700.00%
Operating Cash Flow Growth	0.00%	29.00%	-12.89%	45.39%	21.72%	9.34%
Free Cash Flow Firm Growth	0.00%	0.00%	-679.29%	67.50%	149.77%	111.74%
Invested Capital Growth	0.00%	0.00%	1,196.94%	23.11%	-0.48%	-1.60%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	16.32%	-17.95%	0.54%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	-117.64%	32.69%	17.31%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	-102.52%	31.09%	16.24%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	-204.06%	56.15%	21.97%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	-93.33%	22.42%	16.76%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	200.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	-0.85%	10.83%	4.05%	3.83%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	167.71%	11.07%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	-0.04%	-2.84%	-1.48%
Profitability Metrics	-	-	-	-	-	-
Gross Margin	0.00%	84.77%	81.18%	86.33%	87.22%	88.49%
EBITDA Margin	0.00%	29.70%	4.77%	-47.46%	-34.28%	-20.12%
Operating Margin	0.00%	26.71%	16.33%	-1.40%	9.11%	17.97%
EBIT Margin	0.00%	26.71%	1.18%	-50.99%	-37.26%	-22.40%
Profit (Net Income) Margin	0.00%	38.41%	25.61%	0.74%	7.76%	15.94%
Tax Burden Percent	0.00%	143.81%	99.65%	109.04%	94.42%	95.21%
Interest Burden Percent	-23.87%	100.00%	2,173.32%	-1.33%	-22.05%	-74.73%
Effective Tax Rate	0.00%	0.00%	0.35%	-9.04%	5.58%	4.79%
Return on Invested Capital (ROIC)	0.00%	544.11%	28.67%	-1.68%	9.64%	20.04%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	782.47%	55.93%	2.36%	8.10%	17.41%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	85.08%	3.78%	12.71%	19.11%
Return on Equity (ROE)	0.00%	0.00%	113.75%	2.11%	22.36%	39.15%
Cash Return on Invested Capital (CROIC)	0.00%	344.11%	-142.70%	-22.39%	10.12%	21.66%
Operating Return on Assets (OROA)	0.00%	27.12%	1.05%	-42.68%	-32.10%	-18.96%
Return on Assets (ROA)	0.00%	39.00%	22.79%	0.62%	6.68%	13.49%
Return on Common Equity (ROCE)	0.00%	0.00%	-6.26%	-0.06%	0.63%	3.95%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%	-993.31%	-676.11%	378.15%	255.80%
Net Operating Profit after Tax (NOPAT)	23	78	57	-6.92	44	90
NOPAT Margin	0.00%	26.71%	16.28%	-1.53%	8.60%	17.11%
Net Nonoperating Expense Percent (NNEP)	0.00%	-238.36%	-27.26%	-4.04%	1.55%	2.63%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-1.37%	8.31%	16.28%
Cost of Revenue to Revenue	0.00%	15.23%	18.82%	13.67%	12.78%	11.51%
SG&A Expenses to Revenue	0.00%	5.64%	9.33%	5.48%	6.22%	6.96%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	0.00%	46.44%	40.33%	36.07%	32.65%	31.65%
Earnings before Interest and Taxes (EBIT)	33	78	4.15	-231	-190	-118
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	39	86	17	-215	-174	-106
Valuation Ratios	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	840.28	0.00	0.00	104.09	40.30
Price to Tangible Book Value (P/TBV)	0.00	840.28	0.00	0.00	104.09	40.30
Price to Revenue (P/Rev)	0.00	1.02	1.37	0.95	2.14	2.51
Price to Earnings (P/E)	0.00	0.00	18.73	60.70	0.00	181.98
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	1.57%
Earnings Yield	0.00%	0.00%	5.34%	1.65%	0.00%	0.55%
Enterprise Value to Invested Capital (EV/IC)	0.00	18.60	2.32	1.95	3.38	3.89
Enterprise Value to Revenue (EV/Rev)	0.00	1.83	2.45	1.96	3.00	3.30
Enterprise Value to EBITDA (EV/EBITDA)	0.00	6.15	51.22	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	6.84	206.78	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	6.84	15.02	0.00	34.93	19.26
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	2.76	5.12	3.64	5.16	5.35
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	10.81	0.00	0.00	33.28	17.82
Leverage & Solvency	-	-	-	-	-	-
Debt to Equity	0.00	0.00	1.74	2.17	1.71	1.36
Long-Term Debt to Equity	0.00	0.00	1.74	2.17	1.71	1.36
Financial Leverage	0.00	0.00	1.52	1.60	1.57	1.10
Leverage Ratio	0.00	0.00	4.99	3.41	3.35	2.90
Compound Leverage Factor	0.00	0.00	108.47	-0.05	-0.74	-2.17
Debt to Total Capital	0.00%	100.00%	63.45%	68.46%	63.16%	57.64%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	100.00%	63.45%	68.46%	63.16%	57.64%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	38.65%	31.64%	34.86%	36.43%
Common Equity to Total Capital	0.00%	0.14%	-2.09%	-0.10%	1.98%	5.93%
Debt to EBITDA	0.00	3.01	16.37	-1.61	-1.91	-3.01
Net Debt to EBITDA	0.00	2.72	12.65	-1.38	-1.48	-2.00
Long-Term Debt to EBITDA	0.00	3.01	16.37	-1.61	-1.91	-3.01
Debt to NOPAT	0.00	3.35	4.80	-49.95	7.60	3.54
Net Debt to NOPAT	0.00	3.02	3.71	-42.77	5.91	2.35
Long-Term Debt to NOPAT	0.00	3.35	4.80	-49.95	7.60	3.54
Altman Z-Score	0.00	2.87	1.43	-0.03	1.35	2.14
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	105.50%	103.01%	97.18%	89.91%
Liquidity Ratios	-	-	-	-	-	-
Current Ratio	0.00	1.05	1.75	1.68	2.80	2.65
Quick Ratio	0.00	1.05	0.70	0.55	1.20	1.84
Cash Flow Metrics	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	49	-284	-92	46	97
Operating Cash Flow to CapEx	2,242.08%	1,792.09%	1,164.31%	1,836.20%	3,293.80%	2,488.90%
Free Cash Flow to Firm to Interest Expense	0.00	87.39	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	342.45	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	323.34	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-
Asset Turnover	0.00	1.02	0.89	0.84	0.86	0.85
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	27.49	27.82	31.58	41.84	43.89
Accounts Payable Turnover	0.00	0.00	0.00	9.96	12.06	22.75
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	36.66	30.25	16.05
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	-36.66	-30.25	-16.05
Capital & Investment Metrics	-	-	-	-	-	-
Invested Capital	0.00	28	370	455	453	445
Invested Capital Turnover	0.00	20.37	1.76	1.10	1.12	1.17
Increase / (Decrease) in Invested Capital	0.00	28	341	85	-2.17	-7.26
Enterprise Value (EV)	0.00	530	857	886	1,529	1,734
Market Capitalization	0.00	296	479	431	1,087	1,321
Book Value per Share	$0.00	$0.01	($0.08)	$0.00	$0.05	$0.19
Tangible Book Value per Share	$0.00	$0.01	($0.08)	$0.00	$0.05	$0.19
Total Capital	0.00	260	432	505	527	553
Total Debt	0.00	260	274	345	333	319
Total Long-Term Debt	0.00	260	274	345	333	319
Net Debt	0.00	234	212	296	259	211
Capital Expenditures (CapEx)	6.64	11	14	13	8.99	13
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	-24	-36	-30	-26	-33
Debt-free Net Working Capital (DFNWC)	0.00	1.17	27	20	47	55
Net Working Capital (NWC)	0.00	1.17	27	20	47	55
Net Nonoperating Expense (NNE)	23	-34	-33	-10	4.29	6.17
Net Nonoperating Obligations (NNO)	0.00	28	212	296	259	211
Total Depreciation and Amortization (D&A)	6.07	8.68	13	16	15	12
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	-8.42%	-10.18%	-6.53%	-5.20%	-6.33%
Debt-free Net Working Capital to Revenue	0.00%	0.40%	7.61%	4.44%	9.33%	10.46%
Net Working Capital to Revenue	0.00%	0.40%	7.61%	4.44%	9.33%	10.46%
Earnings Adjustments	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.00	$0.51	($0.06)	$0.36
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	0.00	13.91M	16.39M	20.15M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.05	($0.06)	$0.36
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	0.00	84.26M	16.39M	20.15M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	0.00	109.79M	110.92M	86.40M
Normalized Net Operating Profit after Tax (NOPAT)	23	54	57	-1.94	44	93
Normalized NOPAT Margin	0.00%	18.70%	16.28%	-0.43%	8.60%	17.65%
Pre Tax Income Margin	0.00%	26.71%	25.70%	0.68%	8.22%	16.74%
Debt Service Ratios	-	-	-	-	-	-
EBIT to Interest Expense	0.00	138.17	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	138.17	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	119.07	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	119.07	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	14.15%	56.82%	39.19%	25.91%	53.40%
Augmented Payout Ratio	0.00%	14.15%	56.82%	112.84%	25.91%	57.63%

This table displays calculated financial ratios and metrics derived from OppFi's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-100.00%	35.15%	19.53%	13.54%	0.00%	-45.58%	5.79%	3.12%	2.57%	2.11%	10.15%
EBITDA Growth	-56.35%	-399.77%	-20.80%	23.92%	-1,057.57%	58.33%	8.37%	61.11%	76.57%	36.61%	48.91%
EBIT Growth	-93.80%	-358.21%	-19.80%	22.11%	-11,768.64%	57.21%	9.27%	54.79%	71.68%	35.70%	46.81%
NOPAT Growth	-106.03%	-299.46%	36.16%	181.75%	2,330.57%	184.44%	41.29%	61.62%	116.43%	316.30%	673.59%
Net Income Growth	-101.88%	-112.77%	1,423.23%	90.33%	2,820.14%	136.70%	157.79%	53.11%	106.39%	619.89%	101.26%
EPS Growth	0.00%	0.00%	0.00%	40.00%	0.00%	0.00%	400.00%	14.29%	61.54%	68.57%	-580.00%
Operating Cash Flow Growth	97.09%	50.32%	46.74%	25.62%	7.98%	16.22%	13.39%	6.00%	3.39%	14.47%	12.51%
Free Cash Flow Firm Growth	49.86%	0.00%	89.40%	103.19%	102.87%	108.53%	146.48%	244.71%	992.25%	293.71%	65.91%
Invested Capital Growth	48.07%	23.11%	12.18%	0.54%	2.39%	-0.48%	-3.45%	-5.40%	-2.96%	-1.60%	1.62%
Revenue Q/Q Growth	-100.00%	0.00%	-50.72%	1.75%	8.72%	-0.18%	-4.20%	-0.82%	8.15%	-0.64%	3.35%
EBITDA Q/Q Growth	113.93%	-3,799.49%	62.21%	60.92%	-75.28%	-60.98%	16.90%	83.41%	-5.59%	-335.60%	33.03%
EBIT Q/Q Growth	101.09%	-42,335.31%	60.51%	57.18%	-63.40%	-54.89%	16.28%	78.66%	-2.35%	-251.68%	30.74%
NOPAT Q/Q Growth	-110.82%	-892.16%	153.44%	391.10%	-14.33%	-62.44%	-10.58%	461.74%	14.72%	-27.75%	66.16%
Net Income Q/Q Growth	-106.01%	-826.27%	174.31%	359.95%	-14.07%	-87.50%	421.95%	173.18%	15.83%	-56.41%	45.92%
EPS Q/Q Growth	0.00%	0.00%	0.00%	600.00%	-7.14%	-369.23%	128.57%	60.00%	31.25%	-152.38%	-336.36%
Operating Cash Flow Q/Q Growth	19.68%	2.24%	-7.60%	11.11%	2.87%	10.05%	-9.85%	3.87%	0.34%	21.84%	-11.39%
Free Cash Flow Firm Q/Q Growth	69.01%	37.93%	53.98%	136.06%	-72.13%	84.36%	150.88%	167.39%	-11.68%	-33.55%	5.72%
Invested Capital Q/Q Growth	2.41%	-0.04%	-6.91%	5.50%	4.30%	-2.84%	-9.69%	3.36%	7.00%	-1.48%	-6.73%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	0.00%	88.23%	87.88%	83.68%	88.77%	88.35%	87.42%	87.15%	89.89%	89.35%	90.18%
EBITDA Margin	0.00%	-59.46%	-45.60%	-17.51%	-28.23%	-45.53%	-39.49%	-6.60%	-6.45%	-28.27%	-18.32%
Operating Margin	0.00%	-3.94%	3.10%	14.97%	11.70%	6.55%	4.15%	23.35%	25.69%	18.18%	30.29%
EBIT Margin	0.00%	-61.21%	-49.05%	-20.64%	-31.02%	-48.13%	-42.07%	-9.05%	-8.56%	-30.31%	-20.31%
Profit (Net Income) Margin	0.00%	-2.17%	3.26%	14.76%	11.66%	1.46%	7.96%	21.91%	23.47%	10.30%	14.54%
Tax Burden Percent	34.46%	101.28%	96.42%	96.33%	97.11%	65.24%	96.17%	96.80%	93.31%	95.88%	92.51%
Interest Burden Percent	-468.08%	3.49%	-6.90%	-74.23%	-38.72%	-4.65%	-19.67%	-250.15%	-293.67%	-35.42%	-77.36%
Effective Tax Rate	0.00%	0.00%	3.58%	3.67%	2.89%	34.76%	3.83%	3.20%	6.69%	4.12%	7.49%
Return on Invested Capital (ROIC)	0.00%	-3.03%	3.53%	15.76%	15.30%	4.79%	4.95%	27.02%	27.32%	20.41%	36.64%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	-2.46%	3.66%	15.92%	15.45%	3.44%	7.09%	26.67%	27.05%	16.29%	26.94%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-3.94%	5.49%	25.50%	24.60%	5.41%	9.24%	34.56%	33.50%	17.88%	24.23%
Return on Equity (ROE)	0.00%	-6.96%	9.01%	41.26%	39.90%	10.20%	14.19%	61.58%	60.82%	38.29%	60.87%
Cash Return on Invested Capital (CROIC)	0.00%	-22.39%	-11.61%	2.07%	3.73%	10.12%	14.41%	18.48%	19.08%	21.66%	28.60%
Operating Return on Assets (OROA)	0.00%	-51.24%	-43.22%	-17.40%	-32.60%	-41.47%	-38.64%	-8.18%	-7.35%	-25.66%	-18.19%
Return on Assets (ROA)	0.00%	-1.81%	2.88%	12.44%	12.26%	1.26%	7.31%	19.80%	20.13%	8.71%	13.02%
Return on Common Equity (ROCE)	0.00%	0.21%	-0.21%	0.42%	0.92%	0.29%	0.77%	4.24%	6.87%	3.86%	5.71%
Return on Equity Simple (ROE_SIMPLE)	-1,542.69%	0.00%	526.22%	216.81%	282.56%	0.00%	251.32%	296.76%	205.82%	0.00%	417.28%
Net Operating Profit after Tax (NOPAT)	-0.68	-6.73	3.60	18	15	5.68	5.08	29	33	24	39
NOPAT Margin	0.00%	-2.76%	2.99%	14.42%	11.36%	4.28%	3.99%	22.60%	23.97%	17.43%	28.02%
Net Nonoperating Expense Percent (NNEP)	-0.05%	-0.57%	-0.14%	-0.15%	-0.14%	1.35%	-2.14%	0.35%	0.27%	4.12%	9.69%
Return On Investment Capital (ROIC_SIMPLE)	-	-1.33%	-	-	-	1.08%	-	-	-	4.28%	7.49%
Cost of Revenue to Revenue	0.00%	11.77%	12.12%	16.32%	11.23%	11.65%	12.58%	12.85%	10.11%	10.65%	9.82%
SG&A Expenses to Revenue	0.00%	4.22%	5.68%	6.96%	6.62%	5.63%	7.27%	6.85%	6.81%	6.93%	5.75%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	0.00%	36.15%	32.35%	32.75%	34.04%	31.42%	32.93%	32.12%	30.95%	30.72%	24.62%
Earnings before Interest and Taxes (EBIT)	0.35	-150	-59	-25	-41	-64	-54	-11	-12	-41	-28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	3.93	-145	-55	-21	-38	-61	-50	-8.34	-8.81	-38	-26
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	150.08	57.68	46.80	104.09	14.63	40.49	23.39	40.30	34.54
Price to Tangible Book Value (P/TBV)	0.00	0.00	150.08	57.68	46.80	104.09	14.63	40.49	23.39	40.30	34.54
Price to Revenue (P/Rev)	1.24	0.95	0.46	0.88	0.86	2.14	0.52	1.45	1.56	2.51	1.45
Price to Earnings (P/E)	29.74	60.70	34.40	86.65	60.81	0.00	62.11	144.93	111.77	181.98	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.54%	2.54%	1.57%	1.33%
Earnings Yield	3.36%	1.65%	2.91%	1.15%	1.64%	0.00%	1.61%	0.69%	0.89%	0.55%	0.00%
Enterprise Value to Invested Capital (EV/IC)	2.07	1.95	1.51	1.94	2.12	3.38	1.61	2.74	2.73	3.89	2.82
Enterprise Value to Revenue (EV/Rev)	2.42	1.96	1.35	1.78	1.59	3.00	1.27	2.23	2.36	3.30	2.17
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	141.54	0.00	0.00	74.81	35.27	34.93	14.48	20.61	16.71	19.26	9.41
Enterprise Value to Operating Cash Flow (EV/OCF)	4.29	3.64	2.41	3.11	3.47	5.16	2.15	3.74	3.95	5.35	3.52
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	94.07	57.61	33.28	10.95	14.42	14.08	17.82	9.94
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.06	2.17	2.02	1.88	1.80	1.71	1.52	1.50	1.48	1.36	1.22
Long-Term Debt to Equity	2.06	2.17	2.02	1.88	1.80	1.71	1.52	1.50	1.48	1.36	1.22
Financial Leverage	1.51	1.60	1.50	1.60	1.59	1.57	1.30	1.30	1.24	1.10	0.90
Leverage Ratio	3.36	3.41	3.34	3.37	3.32	3.35	3.11	3.04	2.97	2.90	2.77
Compound Leverage Factor	-15.72	0.12	-0.23	-2.50	-1.29	-0.16	-0.61	-7.60	-8.73	-1.03	-2.14
Debt to Total Capital	67.28%	68.46%	66.83%	65.22%	64.32%	63.16%	60.35%	59.94%	59.64%	57.64%	54.88%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	67.28%	68.46%	66.83%	65.22%	64.32%	63.16%	60.35%	59.94%	59.64%	57.64%	54.88%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	33.37%	31.64%	32.87%	33.32%	33.54%	34.86%	36.00%	36.36%	33.97%	36.43%	40.82%
Common Equity to Total Capital	-0.64%	-0.10%	0.29%	1.46%	2.15%	1.98%	3.65%	3.70%	6.39%	5.93%	4.30%
Debt to EBITDA	-3.44	-1.61	-1.47	-1.52	-1.32	-1.91	-1.77	-1.93	-2.54	-3.01	-3.55
Net Debt to EBITDA	-2.93	-1.38	-1.16	-1.24	-1.07	-1.48	-1.25	-1.41	-1.81	-2.00	-2.20
Long-Term Debt to EBITDA	-3.44	-1.61	-1.47	-1.52	-1.32	-1.91	-1.77	-1.93	-2.54	-3.01	-3.55
Debt to NOPAT	51.18	-49.95	-668.33	28.58	12.21	7.60	6.62	5.37	4.41	3.54	2.31
Net Debt to NOPAT	43.58	-42.77	-524.10	23.23	9.85	5.91	4.67	3.93	3.14	2.35	1.44
Long-Term Debt to NOPAT	51.18	-49.95	-668.33	28.58	12.21	7.60	6.62	5.37	4.41	3.54	2.31
Altman Z-Score	1.26	0.43	0.77	1.27	1.53	2.04	1.03	2.03	1.98	2.54	1.80
Noncontrolling Interest Sharing Ratio	0.00%	103.01%	102.28%	98.99%	97.70%	97.18%	94.57%	93.11%	88.71%	89.91%	90.62%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.88	1.68	3.47	2.31	2.59	2.80	3.69	2.89	2.44	2.65	2.76
Quick Ratio	0.52	0.55	1.56	1.00	1.22	1.20	1.97	1.67	1.47	1.84	1.76
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-148	-92	-42	15	4.26	7.85	20	53	47	31	33
Operating Cash Flow to CapEx	2,146.40%	2,291.42%	3,103.40%	2,896.31%	3,328.39%	3,923.86%	3,495.87%	2,982.45%	1,996.06%	2,146.42%	1,907.52%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.76	0.84	0.88	0.84	1.05	0.86	0.92	0.90	0.86	0.85	0.90
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	27.26	31.58	33.77	36.20	48.02	41.84	45.95	47.77	46.51	43.89	41.45
Accounts Payable Turnover	13.01	9.96	11.22	8.86	15.28	12.06	17.27	19.42	14.91	22.75	19.61
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	28.07	36.66	32.52	41.18	23.89	30.25	21.13	18.80	24.47	16.05	18.62
Cash Conversion Cycle (CCC)	-28.07	-36.66	-32.52	-41.18	-23.89	-30.25	-21.13	-18.80	-24.47	-16.05	-18.62
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	455	455	423	447	466	453	409	423	452	445	415
Invested Capital Turnover	1.02	1.10	1.18	1.09	1.35	1.12	1.24	1.20	1.14	1.17	1.31
Increase / (Decrease) in Invested Capital	148	85	46	2.38	11	-2.17	-15	-24	-14	-7.26	6.62
Enterprise Value (EV)	941	886	638	869	989	1,529	657	1,158	1,233	1,734	1,172
Market Capitalization	482	431	216	430	534	1,087	266	754	816	1,321	779
Book Value per Share	($0.01)	$0.00	$0.01	$0.03	$0.05	$0.05	$0.16	$0.08	$0.20	$0.19	$0.26
Tangible Book Value per Share	($0.01)	$0.00	$0.01	$0.03	$0.05	$0.05	$0.16	$0.08	$0.20	$0.19	$0.26
Total Capital	506	505	495	509	532	527	498	503	546	553	525
Total Debt	340	345	331	332	342	333	300	302	326	319	288
Total Long-Term Debt	340	345	331	332	342	333	300	302	326	319	288
Net Debt	290	296	259	270	276	259	212	221	232	211	179
Capital Expenditures (CapEx)	3.24	3.10	2.12	2.52	2.25	2.10	2.13	2.59	3.89	4.40	4.39
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-27	-30	-21	-27	-25	-26	-24	-28	-30	-33	-33
Debt-free Net Working Capital (DFNWC)	24	20	51	35	41	47	65	53	44	55	58
Net Working Capital (NWC)	24	20	51	35	41	47	65	53	44	55	58
Net Nonoperating Expense (NNE)	-0.11	-1.44	-0.33	-0.41	-0.40	3.74	-5.05	0.87	0.69	9.68	19
Net Nonoperating Obligations (NNO)	290	296	259	270	276	259	212	221	232	211	179
Total Depreciation and Amortization (D&A)	3.57	4.27	4.16	3.83	3.71	3.46	3.28	3.09	2.89	2.78	2.80
Debt-free, Cash-free Net Working Capital to Revenue	-6.89%	-6.53%	-4.36%	-5.51%	-4.11%	-5.20%	-4.65%	-5.39%	-5.81%	-6.33%	-6.11%
Debt-free Net Working Capital to Revenue	6.07%	4.44%	10.75%	7.24%	6.54%	9.33%	12.54%	10.17%	8.37%	10.46%	10.73%
Net Working Capital to Revenue	6.07%	4.44%	10.75%	7.24%	6.54%	9.33%	12.54%	10.17%	8.37%	10.46%	10.73%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.04)	$0.00	$0.02	$0.14	$0.13	($0.35)	$0.29	$0.16	$0.21	($0.30)	($0.48)
Adjusted Weighted Average Basic Shares Outstanding	13.97M	13.91M	15.04M	15.63M	16.77M	16.39M	19.21M	19.68M	20.25M	20.15M	23.69M
Adjusted Diluted Earnings per Share	($0.04)	$0.00	$0.02	$0.14	$0.13	($0.35)	$0.10	$0.16	$0.21	($0.11)	($0.48)
Adjusted Weighted Average Diluted Shares Outstanding	13.97M	84.26M	15.19M	15.87M	17.06M	16.39M	86.24M	19.68M	20.25M	20.15M	23.69M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	219.17M	109.79M	219.58M	221.04M	221.34M	110.92M	222.52M	172.51M	172.43M	86.40M	173.62M
Normalized Net Operating Profit after Tax (NOPAT)	-0.68	-6.73	3.60	18	15	5.68	7.89	29	33	24	38
Normalized NOPAT Margin	0.00%	-2.76%	2.99%	14.42%	11.36%	4.28%	6.19%	22.57%	24.01%	17.46%	27.07%
Pre Tax Income Margin	0.00%	-2.14%	3.39%	15.32%	12.01%	2.24%	8.27%	22.64%	25.15%	10.74%	15.71%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	2.66%	39.19%	9.61%	47.42%	31.73%	25.91%	40.71%	60.94%	61.85%	53.40%	50.63%
Augmented Payout Ratio	2.66%	112.84%	9.61%	49.32%	31.73%	25.91%	40.71%	65.52%	66.80%	57.63%	50.63%

Financials Breakdown Chart

Key Financial Trends

OppFi Inc. (NYSE: OPFI) has shown a general growth trend in revenue and profitability over the past four years through mid-2025, with some volatility in earnings and significant noncontrolling interest adjustments impacting net income attributable to common shareholders.

Positive Trends:

Operating revenue increased from approximately $108 million in Q2 2022 to $140 million in Q1 2025, showing steady growth in top-line sales over this period.
Gross profit grew from $91.9 million in Q2 2022 to $126.5 million in Q1 2025, indicating improved operational efficiency despite higher costs.
Consistent positive net income from continuing operations over several recent quarters, e.g., $20.4 million in Q1 2025 and $27.7 million in Q2 2024, shows ongoing profitability at the operating level.
Operating expenses have been managed reasonably, with total operating expenses in Q1 2025 at about $34.5 million, well covered by operating income of $42.5 million.
Net cash from operating activities remains strong, reaching $83.7 million in Q1 2025, supporting healthy cash flow generation for the company.
Cash and equivalents have increased to about $57.95 million by Q1 2025 from $23.47 million in Q2 2022, reflecting increasing liquidity.
Noncurrent note and lease receivables, an important asset for OppFi, have grown to approximately $455 million in Q1 2025 from $450 million in Q2 2024, signaling growth in lending or lease portfolio.
The company’s total equity including noncontrolling interests has generally increased to $236.8 million in Q1 2025 from $165.5 million in Q1 2023, showing improvement in the overall net asset position.
Basic and diluted earnings per share (EPS) showed improvement in some quarters, with positive diluted EPS such as $0.16 in Q2 2024 compared to slight negatives in earlier periods.
Dividends have been paid consistently, albeit modest, indicating some shareholder returns and confidence in cash generation.

Neutral Observations:

There is a significant discrepancy between net income attributable to noncontrolling interests and to common shareholders, with the former often being substantially positive and the latter negative or low. This suggests a complex capital structure or partnership impact.
Total liabilities have increased from roughly $412 million in Q2 2022 to around $403 million in Q1 2025, indicating stable but substantial leverage levels.
The weighted average basic and diluted shares outstanding have fluctuated considerably from 13.5 million basic shares in Q2 2022 to around 23.7 million in Q1 2025, potentially diluting per-share metrics.
Cash flow from investing activities remains consistently negative across quarters, reflecting ongoing investments or portfolio expansions, which is expected for growth but impacts liquidity.
The company maintains a sizeable portion of restricted cash, approximately $32.8 million in Q1 2025, which affects free cash availability but may be regulatory or operational requirements.

Negative Trends and Concerns:

Despite profitability at the operating level, reported net income attributable to common shareholders is often a loss (e.g., -$11.4 million in Q1 2025, -$5.6 million in Q4 2024), driven primarily by significant charges or allocations to noncontrolling interests.
Large negative "Other Income / (Expense), net" lines consistently appear each quarter (e.g., -$70 million in Q1 2025), heavily impacting overall profitability and suggesting volatility or significant non-operating items.
The company carries significant long-term debt, approximately $288 million in Q1 2025, with interest expenses contributing to net losses and high cash interest payments (e.g., over $9 million in Q1 2025).
Depreciation and amortization expenses have increased over time, reflecting potentially heavier capital or intangible asset bases which may pressure margins.
Significant fluctuations in earnings per share, including negative EPS in several quarters, indicate volatility and potential dilution risk for common shareholders.
The company's total common equity has been relatively low or even negative in some early periods but improved recently, pointing to historical struggles in shareholder equity preservation.
Net cash flow from financing activities has been negative in most recent quarters, reflecting debt repayments and dividend payments exceeding new financing inflows, potentially limiting capital availability for expansion.

In summary, OppFi has demonstrated growth in revenue, gross profit, and operating cash flow with improving operating profitability. However, the company faces challenges related to heavy noncontrolling interests, significant other expenses, and leverage costs that have suppressed net income attributable to common shareholders. Investors should monitor non-operating charges, capital structure complexity, and how the company balances growth investments with debt servicing and shareholder returns going forward.

10/24/25 06:40 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About OppFi's Financials

When does OppFi's financial year end?

According to the most recent income statement we have on file, OppFi's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has OppFi's net income changed over the last 5 years?

OppFi's net income appears to be on an upward trend, with a most recent value of $83.84 million in 2024, rising from $0.00 in 2019. The previous period was $39.48 million in 2023. Find out what analysts predict for OppFi in the coming months.

What is OppFi's operating income?

OppFi's total operating income in 2024 was $94.54 million, based on the following breakdown:

Total Gross Profit: $465.45 million
Total Operating Expenses: $166.47 million

How has OppFi's revenue changed over the last 5 years?

Over the last 5 years, OppFi's total revenue changed from $0.00 in 2019 to $525.96 million in 2024, a change of 52,596,300,000.0%.

How much debt does OppFi have?

OppFi's total liabilities were at $406.96 million at the end of 2024, a 0.1% decrease from 2023, and a 118.2% increase since 2020.

How much cash does OppFi have?

In the past 4 years, OppFi's cash and equivalents has ranged from $16.24 million in 2022 to $61.34 million in 2024, and is currently $61.34 million as of their latest financial filing in 2024.

How has OppFi's book value per share changed over the last 5 years?

Over the last 5 years, OppFi's book value per share changed from 0.00 in 2019 to 0.19 in 2024, a change of 19.0%.

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This page (NYSE:OPFI) was last updated on 10/24/2025 by MarketBeat.com Staff

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OppFi (OPFI) Financials

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OppFi (OPFI) Financials

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