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OppFi (OPFI) Financials

OppFi logo
$9.28 -0.05 (-0.55%)
Closing price 05/11/2026 03:59 PM Eastern
Extended Trading
$9.23 -0.05 (-0.53%)
As of 06:06 AM Eastern
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Annual Income Statements for OppFi

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 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -7.88 0.00 26 7.10 -1.01 7.26 26
Consolidated Net Income / (Loss)		 0.00 111 90 3.34 39 84 146
Net Income / (Loss) Continuing Operations		 -7.88 111 90 3.34 39 84 146
Total Pre-Tax Income 		-7.88 78 90 3.06 42 88 156
Total Operating Income		 33 78 57 -6.34 46 95 167
Total Gross Profit		 0.00 246 285 391 444 465 536
Total Revenue		 0.00 290 351 453 509 526 597
Operating Revenue		 - 290 351 453 509 526 597
Total Cost of Revenue		 0.00 44 66 62 65 61 61
Operating Cost of Revenue		 - 44 65 60 61 60 61
Other Cost of Revenue		 - - 0.93 1.94 4.35 0.04 0.00
Total Operating Expenses		 7.88 135 141 163 166 166 154
Selling, General & Admin Expense		 7.88 16 33 25 32 37 37
Marketing Expense		 - 19 52 58 51 49 51
Depreciation Expense		 - 6.73 10 14 13 9.62 5.16
Other Operating Expenses / (Income)		 - 93 46 63 71 68 63
Restructuring Charge		 - - - 0.00 0.00 2.98 -1.45
Total Other Income / (Expense), net		 0.00 0.23 -53 -225 -236 -211 -226
Interest & Investment Income		 - 0.79 - 0.00 0.00 1.44 4.97
Other Income / (Expense), net		 0.00 0.00 -53 -225 -236 -212 -231
Income Tax Expense		 - 0.00 0.31 -0.28 2.33 4.22 9.89
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - 64 -3.76 40 77 120
Basic Earnings per Share		 - $0.00 $1.93 $0.51 ($0.06) $0.36 $0.99
Weighted Average Basic Shares Outstanding		 0.00 0.00 13.22M 13.91M 16.39M 20.15M 26.51M
Diluted Earnings per Share		 - $0.00 $0.48 $0.05 ($0.06) $0.36 $0.99
Weighted Average Diluted Shares Outstanding		 0.00 0.00 84.47M 84.26M 16.39M 20.15M 26.51M
Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 109.97M 109.79M 110.92M 86.40M 85.12M
Cash Dividends to Common per Share		 - - - - - $0.12 $0.25

Quarterly Income Statements for OppFi

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.17 -5.57 5.54 3.07 4.26 -5.61 -11 -21 42 17 28
Consolidated Net Income / (Loss)		 16 1.94 10 28 32 14 20 11 76 38 54
Net Income / (Loss) Continuing Operations		 16 1.94 10 28 32 14 20 11 76 38 54
Total Pre-Tax Income 		16 2.98 11 29 34 15 22 13 82 40 58
Total Operating Income		 16 8.71 5.28 29 35 25 42 45 48 31 35
Total Gross Profit		 118 117 111 110 123 121 126 125 141 145 138
Total Revenue		 133 133 127 126 137 136 140 142 155 159 152
Operating Revenue		 133 133 127 126 137 136 140 142 155 159 152
Total Cost of Revenue		 15 15 16 16 14 14 14 18 15 15 14
Operating Cost of Revenue		 15 15 16 16 14 14 14 18 15 15 14
Total Operating Expenses		 45 42 42 41 42 42 35 38 42 40 38
Selling, General & Admin Expense		 8.82 7.49 9.26 8.66 9.30 9.41 6.62 8.72 10 9.92 12
Marketing Expense		 14 13 9.51 13 14 13 10 12 15 14 10
Depreciation Expense		 3.12 2.91 2.73 2.49 2.28 2.13 1.76 1.50 1.13 0.76 0.59
Other Operating Expenses / (Income)		 19 19 18 17 17 17 16 16 16 15 14
Total Other Income / (Expense), net		 -57 -73 -59 -41 -46 -65 -70 -74 -17 -65 -42
Interest & Investment Income		 0.00 - 0.00 0.00 0.63 - 1.08 1.12 1.37 1.41 1.12
Other Income / (Expense), net		 -57 -73 -59 -41 -47 -66 -71 -75 -19 -66 -43
Income Tax Expense		 0.46 1.03 0.40 0.91 2.30 0.60 1.65 1.22 5.65 1.36 3.97
Net Income / (Loss) Attributable to Noncontrolling Interest		 13 7.51 4.59 25 28 20 32 32 34 22 26
Basic Earnings per Share		 $0.13 ($0.35) $0.29 $0.16 $0.21 ($0.30) ($0.48) ($0.78) $1.48 $0.77 $1.06
Weighted Average Basic Shares Outstanding		 16.77M 16.39M 19.21M 19.68M 20.25M 20.15M 23.69M 26.61M 28.16M 26.51M 26.78M
Diluted Earnings per Share		 $0.13 ($0.35) $0.10 $0.16 $0.21 ($0.11) ($0.48) ($0.78) $0.77 $1.48 $0.56
Weighted Average Diluted Shares Outstanding		 17.06M 16.39M 86.24M 19.68M 20.25M 20.15M 23.69M 26.61M 88.24M 26.51M 86.20M
Weighted Average Basic & Diluted Shares Outstanding		 221.34M 110.92M 222.52M 172.51M 172.43M 86.40M 173.62M 174.61M 86.36M 85.12M 85.39M

Annual Cash Flow Statements for OppFi

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 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 13 9.68 17 -13 24 14 4.98
Net Cash From Operating Activities		 149 192 167 243 296 324 401
Net Cash From Continuing Operating Activities		 149 192 167 243 296 324 401
Net Income / (Loss) Continuing Operations		 33 78 90 3.34 39 84 146
Consolidated Net Income / (Loss)		 33 78 90 3.34 39 84 146
Depreciation Expense		 4.28 6.73 10 14 13 9.62 5.16
Amortization Expense		 1.79 1.95 2.31 2.37 2.43 2.41 3.17
Non-Cash Adjustments To Reconcile Net Income		 101 102 59 229 240 217 243
Changes in Operating Assets and Liabilities, net		 8.87 4.15 6.15 -4.74 1.97 11 3.58
Net Cash From Investing Activities		 -214 -98 -199 -317 -244 -243 -308
Net Cash From Continuing Investing Activities		 -214 -98 -199 -317 -244 -243 -308
Purchase of Property, Plant & Equipment		 -6.64 -11 -14 -13 -8.99 -13 -19
Acquisitions		 - - - 0.00 0.00 -16 0.00
Purchase of Investments		 -476 -473 -588 -738 -1,221 -1,226 -1,278
Other Investing Activities, net		 269 386 403 434 986 1,012 989
Net Cash From Financing Activities		 78 -84 49 61 -28 -66 -89
Net Cash From Continuing Financing Activities		 78 -84 49 61 -28 -66 -89
Repayment of Debt		 87 -2.37 -6.33 -4.52 -201 -232 -256
Repurchase of Common Equity		 - 0.00 0.00 -2.46 0.00 -3.55 -16
Payment of Dividends		 -9.49 -16 -51 -1.31 -10 -45 -65
Issuance of Debt		 0.00 -66 127 71 186 217 253
Issuance of Common Equity		 0.00 0.00 0.20 0.13 0.33 0.29 0.42
Other Financing Activities, net		 0.00 0.00 -21 -1.63 -2.80 -2.78 -5.64
Cash Interest Paid		 20 20 22 32 44 43 36
Cash Income Taxes Paid		 - 0.00 0.00 0.36 0.07 0.48 6.09

Quarterly Cash Flow Statements for OppFi

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 3.92 7.92 15 -7.88 -6.60 14 2.48 -13 -3.07 18 6.66
Net Cash From Operating Activities		 75 83 74 77 78 95 84 96 105 117 91
Net Cash From Continuing Operating Activities		 75 83 74 77 78 95 84 96 105 117 91
Net Income / (Loss) Continuing Operations		 16 1.94 10 28 32 14 20 11 76 38 54
Consolidated Net Income / (Loss)		 16 1.94 10 28 32 14 20 11 76 38 54
Depreciation Expense		 3.12 2.91 2.73 2.49 2.28 2.13 1.76 1.50 1.13 0.76 0.59
Amortization Expense		 0.59 0.56 0.55 0.60 0.61 0.65 1.04 0.65 0.87 0.62 0.61
Non-Cash Adjustments To Reconcile Net Income		 56 72 63 41 44 68 73 78 17 75 40
Changes in Operating Assets and Liabilities, net		 -0.14 4.70 -2.00 5.12 -1.72 9.31 -12 3.81 10 1.72 -4.50
Net Cash From Investing Activities		 -77 -64 -18 -59 -93 -73 -34 -81 -103 -89 -21
Net Cash From Continuing Investing Activities		 -77 -64 -18 -59 -93 -73 -34 -81 -103 -89 -21
Purchase of Property, Plant & Equipment		 -2.25 -2.10 -2.13 -2.59 -3.89 -4.40 -4.39 -4.64 -5.19 -4.90 -5.15
Purchase of Investments		 -194 -181 -153 -184 -202 -194 -272 -201 -220 -691 -226
Other Investing Activities, net		 119 119 137 128 128 125 242 124 122 606 210
Net Cash From Financing Activities		 5.68 -10 -42 -26 9.09 -7.62 -47 -27 -5.34 -9.37 -63
Net Cash From Continuing Financing Activities		 5.68 -10 -42 -26 9.09 -7.62 -47 -27 -5.34 -9.37 -63
Repayment of Debt		 12 -0.06 0.00 -11 -0.01 -10 -95 0.77 -166 -57 -82
Repurchase of Common Equity		 - - - - -1.02 - 0.00 - -7.35 -8.16 -9.95
Payment of Dividends		 -2.73 0.01 -8.37 -23 -13 -0.34 -11 -43 -10 -0.24 -10
Issuance of Debt		 - -9.62 -32 11 24 3.06 61 - 179 57 45
Issuance of Common Equity		 0.17 - 0.12 - 0.18 - 0.09 - 0.33 - 0.25
Other Financing Activities, net		 0.12 -0.67 -0.91 -1.28 -0.26 -0.33 -1.89 -1.62 -1.15 -0.98 -5.47
Cash Interest Paid		 11 11 11 10 11 10 9.19 8.94 9.88 8.10 8.16
Cash Income Taxes Paid		 0.05 - 0.15 0.25 0.07 0.01 0.01 3.65 1.15 1.29 0.02

Annual Balance Sheets for OppFi

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 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 286 502 580 602 641 754
Total Current Assets		 26 62 50 74 88 93
Cash & Equivalents		 26 25 16 32 61 49
Restricted Cash		 - 37 33 42 27 44
Plant, Property, & Equipment, net		 11 15 14 10 14 28
Total Noncurrent Assets		 42 425 516 517 539 633
Long-Term Investments		 - - - 0.00 19 19
Noncurrent Note & Lease Receivables		 - 388 458 463 474 546
Noncurrent Deferred & Refundable Income Taxes		 0.00 26 27 26 21 33
Other Noncurrent Operating Assets		 42 11 31 28 25 35
Total Liabilities & Shareholders' Equity		 286 502 580 602 641 754
Total Liabilities		 187 344 421 408 407 445
Total Current Liabilities		 24 36 30 26 33 46
Accounts Payable		 - 6.10 6.34 4.44 0.88 2.77
Accrued Expenses		 24 30 23 22 32 43
Total Noncurrent Liabilities		 260 309 391 381 374 399
Long-Term Debt		 260 274 345 333 319 321
Noncurrent Deferred & Payable Income Tax Liabilities		 - 23 26 25 27 40
Other Noncurrent Operating Liabilities		 0.00 11 20 23 28 38
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 0.00 158 159 194 234 309
Total Preferred & Common Equity		 0.00 -9.04 -0.49 10 33 58
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 0.35 -9.04 -0.49 10 33 58
Common Stock		 0.35 62 66 76 94 114
Retained Earnings		 - -71 -64 -64 -55 -34
Treasury Stock		 - 0.00 -2.46 -2.46 -6.01 -22
Noncontrolling Interest		 0.00 167 160 184 201 250

Quarterly Balance Sheets for OppFi

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 580 560 577 601 563 573 619 640 673 721 720
Total Current Assets		 50 71 62 66 89 81 74 91 78 75 100
Cash & Equivalents		 14 32 27 31 47 47 45 58 45 45 64
Restricted Cash		 36 39 35 35 42 34 29 33 33 30 36
Plant, Property, & Equipment, net		 15 13 12 11 9.69 9.80 11 16 19 23 32
Total Noncurrent Assets		 515 476 503 523 465 482 534 533 576 622 588
Long-Term Investments		 - - - - - - 19 19 19 19 19
Noncurrent Note & Lease Receivables		 462 418 447 467 412 431 461 455 491 542 503
Noncurrent Deferred & Refundable Income Taxes		 24 27 26 25 26 25 22 28 34 32 31
Other Noncurrent Operating Assets		 29 31 30 32 27 27 30 32 32 29 35
Total Liabilities & Shareholders' Equity		 580 560 577 601 563 573 619 640 673 721 720
Total Liabilities		 415 396 400 411 366 371 399 403 456 443 377
Total Current Liabilities		 27 21 27 25 24 28 30 33 30 34 42
Accounts Payable		 6.68 3.71 4.06 3.57 3.98 2.40 4.69 1.96 2.73 3.10 1.84
Accrued Expenses		 20 17 23 22 20 26 26 31 27 30 40
Total Noncurrent Liabilities		 388 375 374 385 342 343 369 370 426 410 335
Long-Term Debt		 340 331 332 342 300 302 326 288 306 321 284
Noncurrent Deferred & Payable Income Tax Liabilities		 24 26 24 24 25 25 25 33 38 39 35
Other Noncurrent Operating Liabilities		 24 19 17 19 17 17 18 50 82 50 16
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 165 164 177 190 197 202 220 237 218 277 343
Total Preferred & Common Equity		 -3.24 1.44 7.45 11 18 19 35 23 13 49 76
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 -3.24 1.44 7.45 11 18 19 35 23 13 49 76
Common Stock		 66 67 71 72 79 81 92 101 111 113 112
Retained Earnings		 -67 -63 -61 -59 -58 -57 -51 -72 -92 -50 -5.18
Treasury Stock		 -2.46 -2.46 -2.46 -2.46 -2.46 -4.99 -6.01 -6.01 -6.01 -13 -31
Noncontrolling Interest		 169 163 170 178 179 183 185 214 204 228 267

Annual Metrics And Ratios for OppFi

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

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - 86,362,551.00
DEI Adjusted Shares Outstanding		 - - - - - - 86,362,551.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.30
Growth Metrics		 - - - - - - -
Profitability Metrics		 - - - - - - -
Net Operating Profit after Tax (NOPAT)		 23 78 57 -6.92 44 90 156
Return On Investment Capital (ROIC_SIMPLE)		 - - - -1.37% 8.31% 16.28% 24.77%
Earnings before Interest and Taxes (EBIT)		 33 78 4.15 -231 -190 -118 -65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 39 86 17 -215 -174 -106 -56
Valuation Ratios		 - - - - - - -
Leverage & Solvency		 - - - - - - -
Liquidity Ratios		 - - - - - - -
Cash Flow Metrics		 - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 49 -284 -92 46 97 84
Efficiency Ratios		 - - - - - - -
Capital & Investment Metrics		 - - - - - - -
Invested Capital		 0.00 28 370 455 453 445 518
Increase / (Decrease) in Invested Capital		 0.00 28 341 85 -2.17 -7.26 72
Book Value per Share		 $0.00 $0.01 ($0.08) $0.00 $0.05 $0.19 $0.68
Tangible Book Value per Share		 $0.00 $0.01 ($0.08) $0.00 $0.05 $0.19 $0.68
Total Capital		 0.00 260 432 505 527 553 630
Total Debt		 0.00 260 274 345 333 319 321
Total Long-Term Debt		 0.00 260 274 345 333 319 321
Net Debt		 0.00 234 212 296 259 211 209
Capital Expenditures (CapEx)		 6.64 11 14 13 8.99 13 19
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 -24 -36 -30 -26 -33 -46
Debt-free Net Working Capital (DFNWC)		 0.00 1.17 27 20 47 55 47
Net Working Capital (NWC)		 0.00 1.17 27 20 47 55 47
Net Nonoperating Expense (NNE)		 23 -34 -33 -10 4.29 6.17 9.88
Net Nonoperating Obligations (NNO)		 0.00 28 212 296 259 211 209
Total Depreciation and Amortization (D&A)		 6.07 8.68 13 16 15 12 8.33
Earnings Adjustments		 - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.51 ($0.06) $0.36 $0.99
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 13.91M 16.39M 20.15M 26.51M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.05 ($0.06) $0.36 $0.99
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 0.00 84.26M 16.39M 20.15M 26.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $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 85.12M
Normalized Net Operating Profit after Tax (NOPAT)		 23 54 57 -1.94 44 93 155
Debt Service Ratios		 - - - - - - -
Payout Ratios		 - - - - - - -

Quarterly Metrics And Ratios for OppFi

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 86,362,551.00 85,124,851.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 86,362,551.00 85,124,851.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.20 0.33
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.00% -45.58% 5.79% 3.12% 2.57% 2.11% 10.15% 12.78% 13.54% - 8.28%
EBITDA Growth		 -1,057.57% 58.33% 8.37% 61.11% 76.57% 36.61% 48.91% -241.28% 459.78% - 74.71%
EBIT Growth		 -11,768.64% 57.21% 9.27% 54.79% 71.68% 35.70% 46.81% -167.86% 353.74% - 73.00%
NOPAT Growth		 2,330.57% 184.44% 41.29% 61.62% 116.43% 316.30% 673.59% 41.85% 37.70% - -16.20%
Net Income Growth		 2,820.14% 136.70% 157.79% 53.11% 106.39% 619.89% 101.26% -58.52% 136.87% - 165.02%
EPS Growth		 0.00% 0.00% 400.00% 14.29% 61.54% 68.57% -580.00% -587.50% 266.67% - 216.67%
Operating Cash Flow Growth		 7.98% 16.22% 13.39% 6.00% 3.39% 14.47% 12.51% 23.69% 35.53% - 8.41%
Free Cash Flow Firm Growth		 102.87% 108.53% 146.48% 244.71% 992.25% 293.71% 65.91% -31.00% -114.47% - -282.77%
Invested Capital Growth		 2.39% -0.48% -3.45% -5.40% -2.96% -1.60% 1.62% 0.98% 11.46% - 22.31%
Revenue Q/Q Growth		 8.72% -0.18% -4.20% -0.82% 8.15% -0.64% 3.35% 1.55% 8.88% - -4.63%
EBITDA Q/Q Growth		 -75.28% -60.98% 16.90% 83.41% -5.59% -335.60% 33.03% -10.80% 211.31% - 80.84%
EBIT Q/Q Growth		 -63.40% -54.89% 16.28% 78.66% -2.35% -251.68% 30.74% -7.44% 196.96% - 78.20%
NOPAT Q/Q Growth		 -14.33% -62.44% -10.58% 461.74% 14.72% -27.75% 66.16% 3.01% 11.36% - 10.27%
Net Income Q/Q Growth		 -14.07% -87.50% 421.95% 173.18% 15.83% -56.41% 45.92% -43.70% 561.44% - 40.56%
EPS Q/Q Growth		 -7.14% -369.23% 128.57% 60.00% 31.25% -152.38% -336.36% -62.50% 198.72% - -62.16%
Operating Cash Flow Q/Q Growth		 2.87% 10.05% -9.85% 3.87% 0.34% 21.84% -11.39% 14.18% 9.94% - -22.29%
Free Cash Flow Firm Q/Q Growth		 -72.13% 84.36% 150.88% 167.39% -11.68% -33.55% 5.72% 11.21% -118.52% - -40.49%
Invested Capital Q/Q Growth		 4.30% -2.84% -9.69% 3.36% 7.00% -1.48% -6.73% 2.71% 18.10% - -1.88%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 88.77% 88.35% 87.42% 87.15% 89.89% 89.35% 90.18% 87.54% 90.64% - 90.62%
EBITDA Margin		 -28.23% -45.53% -39.49% -6.60% -6.45% -28.27% -18.32% -19.98% 20.43% - -4.28%
Operating Margin		 11.70% 6.55% 4.15% 23.35% 25.69% 18.18% 30.29% 31.46% 31.24% - 23.28%
EBIT Margin		 -31.02% -48.13% -42.07% -9.05% -8.56% -30.31% -20.31% -21.49% 19.14% - -5.07%
Profit (Net Income) Margin		 11.66% 1.46% 7.96% 21.91% 23.47% 10.30% 14.54% 8.06% 48.96% - 35.58%
Tax Burden Percent		 97.11% 65.24% 96.17% 96.80% 93.31% 95.88% 92.51% 90.37% 93.08% - 93.15%
Interest Burden Percent		 -38.72% -4.65% -19.67% -250.15% -293.67% -35.42% -77.36% -41.50% 274.84% - -753.95%
Effective Tax Rate		 2.89% 34.76% 3.83% 3.20% 6.69% 4.12% 7.49% 9.63% 6.92% - 6.85%
Return on Invested Capital (ROIC)		 15.30% 4.79% 4.95% 27.02% 27.32% 20.41% 36.64% 37.15% 34.88% - 28.58%
ROIC Less NNEP Spread (ROIC-NNEP)		 15.45% 3.44% 7.09% 26.67% 27.05% 16.29% 26.94% 23.66% 48.33% - 40.85%
Return on Net Nonoperating Assets (RNNOA)		 24.60% 5.41% 9.24% 34.56% 33.50% 17.88% 24.23% 24.25% 44.55% - 24.24%
Return on Equity (ROE)		 39.90% 10.20% 14.19% 61.58% 60.82% 38.29% 60.87% 61.40% 79.42% - 52.82%
Cash Return on Invested Capital (CROIC)		 3.73% 10.12% 14.41% 18.48% 19.08% 21.66% 28.60% 31.27% 20.38% - 12.28%
Operating Return on Assets (OROA)		 -32.60% -41.47% -38.64% -8.18% -7.35% -25.66% -18.19% -19.14% 16.38% - -4.53%
Return on Assets (ROA)		 12.26% 1.26% 7.31% 19.80% 20.13% 8.71% 13.02% 7.18% 41.91% - 31.85%
Return on Common Equity (ROCE)		 0.92% 0.29% 0.77% 4.24% 6.87% 3.86% 5.71% 4.68% 13.46% - 8.95%
Return on Equity Simple (ROE_SIMPLE)		 282.56% 0.00% 251.32% 296.76% 205.82% 0.00% 417.28% 0.00% 0.00% - 0.00%
Net Operating Profit after Tax (NOPAT)		 15 5.68 5.08 29 33 24 39 40 45 30 33
NOPAT Margin		 11.36% 4.28% 3.99% 22.60% 23.97% 17.43% 28.02% 28.43% 29.07% - 21.69%
Net Nonoperating Expense Percent (NNEP)		 -0.14% 1.35% -2.14% 0.35% 0.27% 4.12% 9.69% 13.49% -13.45% - -12.27%
Return On Investment Capital (ROIC_SIMPLE)		 - 1.08% - - - 4.28% 7.49% 7.73% 7.54% 4.74% 5.25%
Cost of Revenue to Revenue		 11.23% 11.65% 12.58% 12.85% 10.11% 10.65% 9.82% 12.46% 9.36% - 9.39%
SG&A Expenses to Revenue		 6.62% 5.63% 7.27% 6.85% 6.81% 6.93% 5.75% 6.12% 6.45% - 8.12%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Operating Expenses to Revenue		 34.04% 31.42% 32.93% 32.12% 30.95% 30.72% 24.62% 26.46% 26.82% - 24.81%
Earnings before Interest and Taxes (EBIT)		 -41 -64 -54 -11 -12 -41 -28 -31 30 -35 -7.69
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -38 -61 -50 -8.34 -8.81 -38 -26 -28 32 -34 -6.50
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 46.80 104.09 14.63 40.49 23.39 40.30 34.54 181.93 40.03 - 8.68
Price to Tangible Book Value (P/TBV)		 46.80 104.09 14.63 40.49 23.39 40.30 34.54 181.93 40.03 - 8.68
Price to Revenue (P/Rev)		 0.86 2.14 0.52 1.45 1.56 2.51 1.45 4.38 3.45 - 1.08
Price to Earnings (P/E)		 60.81 0.00 62.11 144.93 111.77 181.98 0.00 0.00 510.68 - 9.93
Dividend Yield		 0.00% 0.00% 0.00% 3.54% 2.54% 1.57% 1.33% 2.64% 3.27% - 4.80%
Earnings Yield		 1.64% 0.00% 1.61% 0.69% 0.89% 0.55% 0.00% 0.00% 0.20% - 10.07%
Enterprise Value to Invested Capital (EV/IC)		 2.12 3.38 1.61 2.74 2.73 3.89 2.82 6.66 4.83 - 2.14
Enterprise Value to Revenue (EV/Rev)		 1.59 3.00 1.27 2.23 2.36 3.30 2.17 5.12 4.24 - 1.79
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
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
Enterprise Value to NOPAT (EV/NOPAT)		 35.27 34.93 14.48 20.61 16.71 19.26 9.41 20.76 16.30 - 7.29
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.47 5.16 2.15 3.74 3.95 5.35 3.52 8.09 6.42 - 2.67
Enterprise Value to Free Cash Flow (EV/FCFF)		 57.61 33.28 10.95 14.42 14.08 17.82 9.94 21.41 24.97 - 19.19
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.80 1.71 1.52 1.50 1.48 1.36 1.22 1.41 1.16 - 0.83
Long-Term Debt to Equity		 1.80 1.71 1.52 1.50 1.48 1.36 1.22 1.41 1.16 - 0.83
Financial Leverage		 1.59 1.57 1.30 1.30 1.24 1.10 0.90 1.03 0.92 - 0.59
Leverage Ratio		 3.32 3.35 3.11 3.04 2.97 2.90 2.77 2.97 2.69 - 2.35
Compound Leverage Factor		 -1.29 -0.16 -0.61 -7.60 -8.73 -1.03 -2.14 -1.23 7.40 - -17.69
Debt to Total Capital		 64.32% 63.16% 60.35% 59.94% 59.64% 57.64% 54.88% 58.42% 53.64% - 45.32%
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%
Long-Term Debt to Total Capital		 64.32% 63.16% 60.35% 59.94% 59.64% 57.64% 54.88% 58.42% 53.64% - 45.32%
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%
Noncontrolling Interests to Total Capital		 33.54% 34.86% 36.00% 36.36% 33.97% 36.43% 40.82% 39.03% 38.09% - 42.62%
Common Equity to Total Capital		 2.15% 1.98% 3.65% 3.70% 6.39% 5.93% 4.30% 2.55% 8.26% - 12.06%
Debt to EBITDA		 -1.32 -1.91 -1.77 -1.93 -2.54 -3.01 -3.55 -3.02 -5.27 - -7.64
Net Debt to EBITDA		 -1.07 -1.48 -1.25 -1.41 -1.81 -2.00 -2.20 -2.06 -3.73 - -4.44
Long-Term Debt to EBITDA		 -1.32 -1.91 -1.77 -1.93 -2.54 -3.01 -3.55 -3.02 -5.27 - -7.64
Debt to NOPAT		 12.21 7.60 6.62 5.37 4.41 3.54 2.31 2.23 2.15 - 1.90
Net Debt to NOPAT		 9.85 5.91 4.67 3.93 3.14 2.35 1.44 1.53 1.52 - 1.11
Long-Term Debt to NOPAT		 12.21 7.60 6.62 5.37 4.41 3.54 2.31 2.23 2.15 - 1.90
Altman Z-Score		 1.53 2.04 1.03 2.03 1.98 2.54 1.80 3.77 3.58 - 1.94
Noncontrolling Interest Sharing Ratio		 97.70% 97.18% 94.57% 93.11% 88.71% 89.91% 90.62% 92.38% 83.06% - 83.06%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 2.59 2.80 3.69 2.89 2.44 2.65 2.76 2.62 2.24 - 2.40
Quick Ratio		 1.22 1.20 1.97 1.67 1.47 1.84 1.76 1.52 1.35 - 1.53
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 4.26 7.85 20 53 47 31 33 36 -6.73 -43 -60
Operating Cash Flow to CapEx		 3,328.39% 3,923.86% 3,495.87% 2,982.45% 1,996.06% 2,146.42% 1,907.52% 2,060.71% 2,027.07% - 1,763.73%
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
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
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
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 1.05 0.86 0.92 0.90 0.86 0.85 0.90 0.89 0.86 - 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
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Fixed Asset Turnover		 48.02 41.84 45.95 47.77 46.51 43.89 41.45 37.97 32.87 - 25.11
Accounts Payable Turnover		 15.28 12.06 17.27 19.42 14.91 22.75 19.61 23.31 15.53 - 32.16
Days Sales Outstanding (DSO)		 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
Days Payable Outstanding (DPO)		 23.89 30.25 21.13 18.80 24.47 16.05 18.62 15.66 23.50 - 11.35
Cash Conversion Cycle (CCC)		 -23.89 -30.25 -21.13 -18.80 -24.47 -16.05 -18.62 -15.66 -23.50 - -11.35
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 466 453 409 423 452 445 415 427 504 518 508
Invested Capital Turnover		 1.35 1.12 1.24 1.20 1.14 1.17 1.31 1.31 1.20 - 1.32
Increase / (Decrease) in Invested Capital		 11 -2.17 -15 -24 -14 -7.26 6.62 4.14 52 72 93
Enterprise Value (EV)		 989 1,529 657 1,158 1,233 1,734 1,172 2,842 2,433 - 1,089
Market Capitalization		 534 1,087 266 754 816 1,321 779 2,429 1,978 - 656
Book Value per Share		 $0.05 $0.05 $0.16 $0.08 $0.20 $0.19 $0.26 $0.08 $0.28 $0.68 $0.89
Tangible Book Value per Share		 $0.05 $0.05 $0.16 $0.08 $0.20 $0.19 $0.26 $0.08 $0.28 $0.68 $0.89
Total Capital		 532 527 498 503 546 553 525 524 598 630 627
Total Debt		 342 333 300 302 326 319 288 306 321 321 284
Total Long-Term Debt		 342 333 300 302 326 319 288 306 321 321 284
Net Debt		 276 259 212 221 232 211 179 209 227 209 165
Capital Expenditures (CapEx)		 2.25 2.10 2.13 2.59 3.89 4.40 4.39 4.64 5.19 4.90 5.15
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -25 -26 -24 -28 -30 -33 -33 -30 -34 -46 -42
Debt-free Net Working Capital (DFNWC)		 41 47 65 53 44 55 58 48 42 47 58
Net Working Capital (NWC)		 41 47 65 53 44 55 58 48 42 47 58
Net Nonoperating Expense (NNE)		 -0.40 3.74 -5.05 0.87 0.69 9.68 19 29 -31 -8.57 -21
Net Nonoperating Obligations (NNO)		 276 259 212 221 232 211 179 209 227 209 165
Total Depreciation and Amortization (D&A)		 3.71 3.46 3.28 3.09 2.89 2.78 2.80 2.15 2.00 1.38 1.20
Debt-free, Cash-free Net Working Capital to Revenue		 -4.11% -5.20% -4.65% -5.39% -5.81% -6.33% -6.11% -5.38% -5.85% - -6.84%
Debt-free Net Working Capital to Revenue		 6.54% 9.33% 12.54% 10.17% 8.37% 10.46% 10.73% 8.72% 7.26% - 9.58%
Net Working Capital to Revenue		 6.54% 9.33% 12.54% 10.17% 8.37% 10.46% 10.73% 8.72% 7.26% - 9.58%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.13 ($0.35) $0.29 $0.16 $0.21 ($0.30) ($0.48) ($0.78) $1.48 $0.77 $1.06
Adjusted Weighted Average Basic Shares Outstanding		 16.77M 16.39M 19.21M 19.68M 20.25M 20.15M 23.69M 26.61M 28.16M 26.51M 26.78M
Adjusted Diluted Earnings per Share		 $0.13 ($0.35) $0.10 $0.16 $0.21 ($0.11) ($0.48) ($0.78) $0.77 $1.48 $0.56
Adjusted Weighted Average Diluted Shares Outstanding		 17.06M 16.39M 86.24M 19.68M 20.25M 20.15M 23.69M 26.61M 88.24M 26.51M 86.20M
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		 221.34M 110.92M 222.52M 172.51M 172.43M 86.40M 173.62M 174.61M 86.36M 85.12M 85.39M
Normalized Net Operating Profit after Tax (NOPAT)		 15 5.68 7.89 29 33 24 38 40 45 30 33
Normalized NOPAT Margin		 11.36% 4.28% 6.19% 22.57% 24.01% 17.46% 27.07% 28.43% 29.07% - 21.69%
Pre Tax Income Margin		 12.01% 2.24% 8.27% 22.64% 25.15% 10.74% 15.71% 8.92% 52.60% - 38.19%
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
NOPAT to Interest Expense		 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
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
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.73% 25.91% 40.71% 60.94% 61.85% 53.40% 50.63% 87.39% 53.39% - 35.59%
Augmented Payout Ratio		 31.73% 25.91% 40.71% 65.52% 66.80% 57.63% 50.63% 88.70% 59.43% - 49.75%

Financials Breakdown Chart

Key Financial Trends

OppFi (NYSE: OPFI) continued to show a stronger top line in Q4 2025, with improving cash flow from operations and a shift toward positive earnings in the quarter. However, the company also faced meaningful financed-related pressures, including rising long-term debt and sizable investing activity, which have kept cash flows heavily weighted toward outflows in several periods. Here are the key takeaways based on the last four years of quarterly results.

  • Revenue growth through 2025: Q4 2025 total revenue rose to 159.25 million, up from 135.72 million in Q4 2024 (about an 18% YoY increase), indicating continued top-line expansion.
  • Solid quarterly operating cash flow: Net cash from continuing operating activities reached 116.82 million in Q4 2025, up from 105.12 million in Q3 2025 and 94.51 million in Q4 2024, signaling improving cash-generating ability from core operations.
  • Positive earnings signal in Q4 2025: Net income attributable to common shareholders was 16.85 million in Q4 2025, with positive continuing operations (38.44 million) and a diluted EPS of 1.48, suggesting earnings momentum in the quarter.
  • Gross profit remains substantial in Q4 2025: Total Gross Profit was 144.60 million on 159.25 million revenue, indicating a strong gross margin in the period.
  • Dividend activity and equity considerations: Dividends paid in 2025 varied by quarter (e.g., Q2, Q3, Q1 showed sizable cash outflows; Q4 dividend outflow was smaller). This is neutral for investors; it reflects a policy choice rather than a direct earnings issue.
  • Investing activity remains a major cash outflow: 2025 quarters show substantial outflows for investments and acquisitions (e.g., Q4 2025 Purchase of Investments at -690.7 million; Q3 2025 at -219.5 million; Q2 2025 at -200.9 million), which may support long-term growth but depress near-term cash flow.
  • Debt and leverage trends are mixed: Long-term debt rose from 287.99 million (Q1 2025) to 320.84 million (Q3 2025), illustrating rising leverage that could pressure cash flows if operating performance slows.
  • Net income volatility and other income effects: Other income / (expense), net has been volatile and often negative (e.g., -66.22 million in Q4 2025), weighing on pretax income and signaling exposure to non-operating items.
  • Heavy investing outflows overshadow short-term cash gains: Large outlays for investments and acquisitions (e.g., Q4 2025 net cash from investing activities -89.38 million) have driven negative free cash flow in several periods.
  • Persistent net loss indicators in prior periods: While Q4 2025 shows positive quarterly earnings, retained earnings and some quarterly results across 2023–2024 reflect ongoing profitability challenges relative to equity, indicating caution about sustainability without continued revenue growth and improved margins.
05/12/26 06:07 AM ETAI Generated. May Contain Errors.

OppFi Financials - Frequently Asked Questions

According to the most recent income statement we have on file, OppFi's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

OppFi's net income appears to be on an upward trend, with a most recent value of $146.25 million in 2025, rising from $0.00 in 2019. The previous period was $83.84 million in 2024. View OppFi's forecast to see where analysts expect OppFi to go next.

OppFi's total operating income in 2025 was $166.68 million, based on the following breakdown:
  • Total Gross Profit: $536.36 million
  • Total Operating Expenses: $153.81 million

Over the last 6 years, OppFi's total revenue changed from $0.00 in 2019 to $597.05 million in 2025, a change of 59,705,000,000.0%.

OppFi's total liabilities were at $445.21 million at the end of 2025, a 9.4% increase from 2024, and a 138.7% increase since 2020.

In the past 5 years, OppFi's cash and equivalents has ranged from $16.24 million in 2022 to $61.34 million in 2024, and is currently $49.45 million as of their latest financial filing in 2025.

Over the last 6 years, OppFi's book value per share changed from 0.00 in 2019 to 0.68 in 2025, a change of 67.7%.


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Financial statements for NYSE:OPFI last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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