OppFi (OPFI) Financials

$12.92 -0.29 (-2.20%)

Closing price 05/29/2025 03:59 PM Eastern

Extended Trading

$13.09 +0.17 (+1.31%)

As of 05/29/2025 07:52 PM 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	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	7.26	-1.01	7.10
Consolidated Net Income / (Loss)	84	39	3.34
Net Income / (Loss) Continuing Operations	84	39	3.34
Total Pre-Tax Income	88	42	3.06
Total Operating Income	95	46	-6.34
Total Gross Profit	465	444	391
Total Revenue	526	509	453
Operating Revenue	526	509	453
Total Cost of Revenue	61	65	62
Operating Cost of Revenue	60	61	60
Other Cost of Revenue	0.04	4.35	1.94
Total Operating Expenses	166	166	163
Selling, General & Admin Expense	37	32	25
Marketing Expense	49	51	58
Depreciation Expense	9.62	13	14
Other Operating Expenses / (Income)	68	71	63
Impairment Charge	0.00	0.00	3.57
Restructuring Charge	2.98	0.00	0.00
Total Other Income / (Expense), net	-211	-236	-225
Interest & Investment Income	1.44	0.00	0.00
Other Income / (Expense), net	-212	-236	-225
Income Tax Expense	4.22	2.33	-0.28
Net Income / (Loss) Attributable to Noncontrolling Interest	77	40	-3.76
Basic Earnings per Share	$0.36	($0.06)	$0.51
Weighted Average Basic Shares Outstanding	20.15M	16.39M	13.91M
Diluted Earnings per Share	$0.36	($0.06)	$0.05
Weighted Average Diluted Shares Outstanding	20.15M	16.39M	84.26M
Weighted Average Basic & Diluted Shares Outstanding	86.40M	110.92M	109.79M
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	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	-11	-5.61	4.26	3.07	5.54	-5.57	2.17	2.14	0.25	4.22	-1.66
Consolidated Net Income / (Loss)	20	14	32	28	10	1.94	16	18	3.93	-5.29	-0.57
Net Income / (Loss) Continuing Operations	20	14	32	28	10	1.94	16	18	3.93	-4.20	-1.66
Total Pre-Tax Income	22	15	34	29	11	2.98	16	19	4.08	-5.22	-1.66
Total Operating Income	42	25	35	29	5.28	8.71	16	18	3.73	-9.61	-0.97
Total Gross Profit	126	121	123	110	111	117	118	102	106	216	0.00
Total Revenue	140	136	137	126	127	133	133	122	120	244	0.00
Operating Revenue	140	136	137	126	127	133	133	122	120	-	-
Total Cost of Revenue	14	14	14	16	16	15	15	20	15	29	0.00
Operating Cost of Revenue	14	14	14	16	16	15	15	16	15	-	-
Other Cost of Revenue	0.00	0.01	0.00	0.00	0.03	0.22	0.20	3.87	0.07	-	-
Total Operating Expenses	35	42	42	41	42	42	45	40	39	88	2.98
Selling, General & Admin Expense	8.06	9.41	9.30	8.66	9.26	7.49	8.82	8.53	6.83	10	2.98
Marketing Expense	10	13	14	13	9.51	13	14	13	11	-	-
Depreciation Expense	1.76	2.13	2.28	2.49	2.73	2.91	3.12	3.32	3.39	-	-
Other Operating Expenses / (Income)	16	17	17	17	18	19	19	15	18	-	-
Restructuring Charge	-1.45	0.04	0.06	-0.03	2.92	-	0.00	0.00	0.00	-	-
Total Other Income / (Expense), net	-70	-65	-46	-41	-59	-73	-57	-44	-63	-132	1.32
Interest & Investment Income	1.08	-	0.63	-	-	-	0.00	-	-	-	-
Other Income / (Expense), net	-71	-66	-47	-41	-59	-73	-57	-44	-63	-140	1.32
Income Tax Expense	1.65	0.60	2.30	0.91	0.40	1.03	0.46	0.69	0.15	-	-
Net Income / (Loss) Attributable to Noncontrolling Interest	32	20	28	25	4.59	7.51	13	16	3.68	-	-
Basic Earnings per Share	($0.48)	($0.30)	$0.21	$0.16	$0.29	($0.35)	$0.13	$0.14	$0.02	-	-
Weighted Average Basic Shares Outstanding	23.69M	20.15M	20.25M	19.68M	19.21M	16.39M	16.77M	15.63M	15.04M	13.91M	13.97M
Diluted Earnings per Share	($0.48)	($0.11)	$0.21	$0.16	$0.10	($0.35)	$0.13	$0.14	$0.02	-	-
Weighted Average Diluted Shares Outstanding	23.69M	20.15M	20.25M	19.68M	86.24M	16.39M	17.06M	15.87M	15.19M	84.26M	13.97M
Weighted Average Basic & Diluted Shares Outstanding	173.62M	86.40M	172.43M	172.51M	222.52M	110.92M	221.34M	221.04M	219.58M	109.79M	13.97M

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	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	14	24	-13
Net Cash From Operating Activities	324	296	243
Net Cash From Continuing Operating Activities	324	296	243
Net Income / (Loss) Continuing Operations	84	39	3.34
Consolidated Net Income / (Loss)	84	39	3.34
Depreciation Expense	9.62	13	14
Amortization Expense	2.41	2.43	2.37
Non-Cash Adjustments To Reconcile Net Income	217	240	229
Changes in Operating Assets and Liabilities, net	11	1.97	-4.74
Net Cash From Investing Activities	-243	-244	-317
Net Cash From Continuing Investing Activities	-243	-244	-317
Purchase of Property, Plant & Equipment	-13	-8.99	-13
Acquisitions	-16	0.00	0.00
Purchase of Investments	-732	-721	-738
Other Investing Activities, net	518	486	434
Net Cash From Financing Activities	-66	-28	61
Net Cash From Continuing Financing Activities	-66	-28	61
Repayment of Debt	-21	-1.71	-4.52
Repurchase of Common Equity	-3.55	0.00	-2.46
Payment of Dividends	-45	-10	-1.31
Issuance of Debt	5.62	-13	71
Issuance of Common Equity	0.29	0.33	0.13
Other Financing Activities, net	-2.78	-2.80	-1.63
Cash Interest Paid	43	44	32
Cash Income Taxes Paid	0.48	0.07	0.36

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	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	2.48	14	-6.60	-7.88	15	7.92	3.92	-9.27	22	-0.80	-7.17
Net Cash From Operating Activities	84	95	78	77	74	83	75	73	66	71	69
Net Cash From Continuing Operating Activities	84	95	78	77	74	83	75	73	66	71	69
Net Income / (Loss) Continuing Operations	20	14	32	28	10	1.94	16	18	3.93	-5.20	-0.66
Consolidated Net Income / (Loss)	20	14	32	28	10	1.94	16	18	3.93	-5.20	-0.66
Depreciation Expense	1.76	2.13	2.28	2.49	2.73	2.91	3.12	3.32	3.39	3.53	3.45
Amortization Expense	1.04	0.65	0.61	0.60	0.55	0.56	0.59	0.51	0.76	0.75	0.12
Non-Cash Adjustments To Reconcile Net Income	73	68	44	41	63	72	56	44	67	73	69
Changes in Operating Assets and Liabilities, net	-12	9.31	-1.72	5.12	-2.00	4.70	-0.14	6.96	-9.55	-1.10	-2.73
Net Cash From Investing Activities	-34	-73	-93	-59	-18	-64	-77	-75	-28	-74	-79
Net Cash From Continuing Investing Activities	-34	-73	-93	-59	-18	-64	-77	-75	-28	-74	-79
Purchase of Property, Plant & Equipment	-4.39	-4.40	-3.89	-2.59	-2.13	-2.10	-2.25	-2.52	-2.12	-3.10	-3.24
Purchase of Investments	-167	-194	-202	-184	-153	-181	-194	-191	-155	-182	-187
Other Investing Activities, net	137	125	128	128	137	119	119	119	129	111	111
Net Cash From Financing Activities	-47	-7.62	9.09	-26	-42	-10	5.68	-7.30	-16	1.97	2.41
Net Cash From Continuing Financing Activities	-47	-7.62	9.09	-26	-42	-10	5.68	-7.30	-16	1.97	2.41
Repayment of Debt	-34	-10	-0.01	-11	0.00	-0.06	12	-13	-0.22	-2.42	-0.01
Payment of Dividends	-11	-0.34	-13	-23	-8.37	0.01	-2.73	-7.51	-0.01	0.01	-0.15
Issuance of Common Equity	0.09	-	0.18	-	0.12	-	0.17	-	0.16	-	0.13
Other Financing Activities, net	-1.89	-0.33	-0.26	-1.28	-0.91	-0.67	0.12	-1.45	-0.81	-0.89	-0.90
Cash Interest Paid	9.19	10	11	10	11	11	11	11	10	9.79	8.10
Cash Income Taxes Paid	0.01	0.01	0.07	0.25	0.15	-	0.05	0.01	0.01	0.02	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	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	641	602	580
Total Current Assets	88	74	50
Cash & Equivalents	61	32	16
Restricted Cash	27	42	33
Plant, Property, & Equipment, net	14	10	14
Total Noncurrent Assets	539	517	516
Long-Term Investments	19	0.00	-
Noncurrent Note & Lease Receivables	474	463	458
Noncurrent Deferred & Refundable Income Taxes	21	26	27
Other Noncurrent Operating Assets	25	28	31
Total Liabilities & Shareholders' Equity	641	602	580
Total Liabilities	407	408	421
Total Current Liabilities	33	26	30
Accounts Payable	0.88	4.44	6.34
Accrued Expenses	32	22	23
Total Noncurrent Liabilities	374	381	391
Long-Term Debt	319	333	345
Noncurrent Deferred & Payable Income Tax Liabilities	27	25	26
Other Noncurrent Operating Liabilities	28	23	20
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	234	194	159
Total Preferred & Common Equity	33	10	-0.49
Preferred Stock	0.00	0.00	0.00
Total Common Equity	33	10	-0.49
Common Stock	94	76	66
Retained Earnings	-55	-64	-64
Treasury Stock	-6.01	-2.46	-2.46
Noncontrolling Interest	201	184	160

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

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

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	3.34%	12.39%	29.18%
EBITDA Growth	39.35%	18.84%	-1,384.16%
EBIT Growth	37.85%	17.88%	-5,669.13%
NOPAT Growth	105.64%	732.93%	-112.12%
Net Income Growth	112.36%	1,082.01%	-96.28%
EPS Growth	700.00%	-220.00%	-89.58%
Operating Cash Flow Growth	9.34%	21.72%	45.39%
Free Cash Flow Firm Growth	111.74%	149.77%	67.50%
Invested Capital Growth	-1.60%	-0.48%	23.11%
Revenue Q/Q Growth	0.54%	-17.95%	16.32%
EBITDA Q/Q Growth	17.31%	32.69%	-117.64%
EBIT Q/Q Growth	16.24%	31.09%	-102.52%
NOPAT Q/Q Growth	21.97%	56.15%	-204.06%
Net Income Q/Q Growth	16.76%	22.42%	-93.33%
EPS Q/Q Growth	200.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	3.83%	4.05%	10.83%
Free Cash Flow Firm Q/Q Growth	11.07%	167.71%	0.00%
Invested Capital Q/Q Growth	-1.48%	-2.84%	-0.04%
Profitability Metrics	-	-	-
Gross Margin	88.49%	87.22%	86.33%
EBITDA Margin	-20.12%	-34.28%	-47.46%
Operating Margin	17.97%	9.11%	-1.40%
EBIT Margin	-22.40%	-37.26%	-50.99%
Profit (Net Income) Margin	15.94%	7.76%	0.74%
Tax Burden Percent	95.21%	94.42%	109.04%
Interest Burden Percent	-74.73%	-22.05%	-1.33%
Effective Tax Rate	4.79%	5.58%	-9.04%
Return on Invested Capital (ROIC)	20.04%	9.64%	-1.68%
ROIC Less NNEP Spread (ROIC-NNEP)	17.41%	8.10%	2.36%
Return on Net Nonoperating Assets (RNNOA)	19.11%	12.71%	3.78%
Return on Equity (ROE)	39.15%	22.36%	2.11%
Cash Return on Invested Capital (CROIC)	21.66%	10.12%	-22.39%
Operating Return on Assets (OROA)	-18.96%	-32.10%	-42.68%
Return on Assets (ROA)	13.49%	6.68%	0.62%
Return on Common Equity (ROCE)	3.95%	0.63%	-0.06%
Return on Equity Simple (ROE_SIMPLE)	255.80%	378.15%	-676.11%
Net Operating Profit after Tax (NOPAT)	90	44	-6.92
NOPAT Margin	17.11%	8.60%	-1.53%
Net Nonoperating Expense Percent (NNEP)	2.63%	1.55%	-4.04%
Return On Investment Capital (ROIC_SIMPLE)	16.28%	8.31%	-1.37%
Cost of Revenue to Revenue	11.51%	12.78%	13.67%
SG&A Expenses to Revenue	6.96%	6.22%	5.48%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	31.65%	32.65%	36.07%
Earnings before Interest and Taxes (EBIT)	-118	-190	-231
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-106	-174	-215
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	40.30	104.09	0.00
Price to Tangible Book Value (P/TBV)	40.30	104.09	0.00
Price to Revenue (P/Rev)	2.51	2.14	0.95
Price to Earnings (P/E)	181.98	0.00	60.70
Dividend Yield	1.57%	0.00%	0.00%
Earnings Yield	0.55%	0.00%	1.65%
Enterprise Value to Invested Capital (EV/IC)	3.89	3.38	1.95
Enterprise Value to Revenue (EV/Rev)	3.30	3.00	1.96
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	19.26	34.93	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	5.35	5.16	3.64
Enterprise Value to Free Cash Flow (EV/FCFF)	17.82	33.28	0.00
Leverage & Solvency	-	-	-
Debt to Equity	1.36	1.71	2.17
Long-Term Debt to Equity	1.36	1.71	2.17
Financial Leverage	1.10	1.57	1.60
Leverage Ratio	2.90	3.35	3.41
Compound Leverage Factor	-2.17	-0.74	-0.05
Debt to Total Capital	57.64%	63.16%	68.46%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	57.64%	63.16%	68.46%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	36.43%	34.86%	31.64%
Common Equity to Total Capital	5.93%	1.98%	-0.10%
Debt to EBITDA	-3.01	-1.91	-1.61
Net Debt to EBITDA	-2.00	-1.48	-1.38
Long-Term Debt to EBITDA	-3.01	-1.91	-1.61
Debt to NOPAT	3.54	7.60	-49.95
Net Debt to NOPAT	2.35	5.91	-42.77
Long-Term Debt to NOPAT	3.54	7.60	-49.95
Altman Z-Score	2.14	1.35	-0.03
Noncontrolling Interest Sharing Ratio	89.91%	97.18%	103.01%
Liquidity Ratios	-	-	-
Current Ratio	2.65	2.80	1.68
Quick Ratio	1.84	1.20	0.55
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	97	46	-92
Operating Cash Flow to CapEx	2,488.90%	3,293.80%	1,836.20%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00
Efficiency Ratios	-	-	-
Asset Turnover	0.85	0.86	0.84
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	43.89	41.84	31.58
Accounts Payable Turnover	22.75	12.06	9.96
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	16.05	30.25	36.66
Cash Conversion Cycle (CCC)	-16.05	-30.25	-36.66
Capital & Investment Metrics	-	-	-
Invested Capital	445	453	455
Invested Capital Turnover	1.17	1.12	1.10
Increase / (Decrease) in Invested Capital	-7.26	-2.17	85
Enterprise Value (EV)	1,734	1,529	886
Market Capitalization	1,321	1,087	431
Book Value per Share	$0.19	$0.05	$0.00
Tangible Book Value per Share	$0.19	$0.05	$0.00
Total Capital	553	527	505
Total Debt	319	333	345
Total Long-Term Debt	319	333	345
Net Debt	211	259	296
Capital Expenditures (CapEx)	13	8.99	13
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-33	-26	-30
Debt-free Net Working Capital (DFNWC)	55	47	20
Net Working Capital (NWC)	55	47	20
Net Nonoperating Expense (NNE)	6.17	4.29	-10
Net Nonoperating Obligations (NNO)	211	259	296
Total Depreciation and Amortization (D&A)	12	15	16
Debt-free, Cash-free Net Working Capital to Revenue	-6.33%	-5.20%	-6.53%
Debt-free Net Working Capital to Revenue	10.46%	9.33%	4.44%
Net Working Capital to Revenue	10.46%	9.33%	4.44%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$0.36	($0.06)	$0.51
Adjusted Weighted Average Basic Shares Outstanding	20.15M	16.39M	13.91M
Adjusted Diluted Earnings per Share	$0.36	($0.06)	$0.05
Adjusted Weighted Average Diluted Shares Outstanding	20.15M	16.39M	84.26M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	86.40M	110.92M	109.79M
Normalized Net Operating Profit after Tax (NOPAT)	93	44	-1.94
Normalized NOPAT Margin	17.65%	8.60%	-0.43%
Pre Tax Income Margin	16.74%	8.22%	0.68%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00
Payout Ratios	-	-	-
Dividend Payout Ratio	53.40%	25.91%	39.19%
Augmented Payout Ratio	57.63%	25.91%	112.84%

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

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

Frequently Asked Questions About OppFi's Financials

When does OppFi's fiscal year end?

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

How has OppFi's net income changed over the last 2 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 $3.34 million in 2022. The previous period was $39.48 million in 2023. See OppFi's forecast for analyst expectations on what’s next for the company.

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 revenue changed over the last 2 years?

Over the last 2 years, OppFi's total revenue changed from $452.86 million in 2022 to $525.96 million in 2024, a change of 16.1%.

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 3.3% decrease since 2022.

How much cash does OppFi have?

In the past 2 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 2 years?

Over the last 2 years, OppFi's book value per share changed from 0.00 in 2022 to 0.19 in 2024, a change of -8,365.2%.

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This page (NYSE:OPFI) was last updated on 5/30/2025 by MarketBeat.com Staff

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OppFi (OPFI) Financials

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OppFi (OPFI) Financials

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