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OppFi (OPFI) Financials

OppFi logo
$7.00 -0.16 (-2.23%)
As of 08/21/2026 03:58 PM 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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 -5.57 5.54 3.07 4.26 -5.61 -11 -21 42 17 28 15
Consolidated Net Income / (Loss)		 1.94 10 28 32 14 20 11 76 38 54 16
Net Income / (Loss) Continuing Operations		 1.94 10 28 32 14 20 11 76 38 54 16
Total Pre-Tax Income 		2.98 11 29 34 15 22 13 82 40 58 25
Total Operating Income		 8.71 5.28 29 35 25 42 45 48 31 35 24
Total Gross Profit		 117 111 110 123 121 126 125 141 145 138 129
Total Revenue		 133 127 126 137 136 140 142 155 159 152 145
Operating Revenue		 133 127 126 137 136 140 142 155 159 152 145
Total Cost of Revenue		 15 16 16 14 14 14 18 15 15 14 16
Operating Cost of Revenue		 15 16 16 14 14 14 18 15 15 14 16
Total Operating Expenses		 42 42 41 42 42 35 38 42 40 38 46
Selling, General & Admin Expense		 7.49 9.26 8.66 9.30 9.41 6.62 8.71 10 9.92 12 18
Marketing Expense		 13 9.51 13 14 13 10 12 15 14 10 11
Depreciation Expense		 2.91 2.73 2.49 2.28 2.13 1.76 1.50 1.13 0.76 0.59 1.51
Other Operating Expenses / (Income)		 19 18 17 17 17 16 16 16 15 14 14
Total Other Income / (Expense), net		 -73 -59 -41 -46 -65 -70 -74 -17 -65 -42 -58
Interest & Investment Income		 - 0.00 0.00 0.63 - 1.08 1.12 1.37 1.41 1.12 0.81
Other Income / (Expense), net		 -73 -59 -41 -47 -66 -71 -75 -19 -66 -43 -59
Income Tax Expense		 1.03 0.40 0.91 2.30 0.60 1.65 1.22 5.65 1.36 3.97 9.84
Net Income / (Loss) Attributable to Noncontrolling Interest		 7.51 4.59 25 28 20 32 32 34 22 26 0.77
Basic Earnings per Share		 ($0.35) $0.29 $0.16 $0.21 ($0.30) ($0.48) ($0.78) $1.48 $0.77 $1.06 $0.22
Weighted Average Basic Shares Outstanding		 16.39M 19.21M 19.68M 20.25M 20.15M 23.69M 26.61M 28.16M 26.51M 26.78M 67.51M
Diluted Earnings per Share		 ($0.35) $0.10 $0.16 $0.21 ($0.11) ($0.48) ($0.78) $0.77 $1.48 $0.56 $0.18
Weighted Average Diluted Shares Outstanding		 16.39M 86.24M 19.68M 20.25M 20.15M 23.69M 26.61M 88.24M 26.51M 86.20M 86.04M
Weighted Average Basic & Diluted Shares Outstanding		 110.92M 222.52M 172.51M 172.43M 86.40M 173.62M 174.61M 86.36M 85.12M 85.39M 85.21M

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 7.92 15 -7.88 -6.60 14 2.48 -13 -3.07 18 6.66 -8.07
Net Cash From Operating Activities		 83 74 77 78 95 84 96 105 117 91 92
Net Cash From Continuing Operating Activities		 83 74 77 78 95 84 96 105 117 91 92
Net Income / (Loss) Continuing Operations		 1.94 10 28 32 14 20 11 76 38 54 16
Consolidated Net Income / (Loss)		 1.94 10 28 32 14 20 11 76 38 54 16
Depreciation Expense		 2.91 2.73 2.49 2.28 2.13 1.76 1.50 1.13 0.76 0.59 1.51
Amortization Expense		 0.56 0.55 0.60 0.61 0.65 1.04 0.65 0.87 0.62 0.61 0.73
Non-Cash Adjustments To Reconcile Net Income		 72 63 41 44 68 73 78 17 75 40 61
Changes in Operating Assets and Liabilities, net		 4.70 -2.00 5.12 -1.72 9.31 -12 3.81 10 1.72 -4.50 14
Net Cash From Investing Activities		 -64 -18 -59 -93 -73 -34 -81 -103 -89 -21 -57
Net Cash From Continuing Investing Activities		 -64 -18 -59 -93 -73 -34 -81 -103 -89 -21 -57
Purchase of Property, Plant & Equipment		 -2.10 -2.13 -2.59 -3.89 -4.40 -4.39 -4.64 -5.19 -4.90 -5.15 -4.63
Purchase of Investments		 -181 -153 -184 -202 -194 -272 -201 -220 -691 -226 -329
Other Investing Activities, net		 119 137 128 128 125 242 124 122 606 210 277
Net Cash From Financing Activities		 -10 -42 -26 9.09 -7.62 -47 -27 -5.34 -9.37 -63 -43
Net Cash From Continuing Financing Activities		 -10 -42 -26 9.09 -7.62 -47 -27 -5.34 -9.37 -63 -43
Repayment of Debt		 -0.06 0.00 -11 -0.01 -10 -95 0.77 -166 -57 -82 -55
Repurchase of Common Equity		 - - - -1.02 - 0.00 - -7.35 -8.16 -9.95 -1.25
Payment of Dividends		 0.01 -8.37 -23 -13 -0.34 -11 -43 -10 -0.24 -10 -12
Issuance of Debt		 -9.62 -32 11 24 3.06 61 - 179 57 45 47
Other Financing Activities, net		 -0.67 -0.91 -1.28 -0.26 -0.33 -1.89 -1.62 -1.15 -0.98 -5.47 -21
Cash Interest Paid		 11 11 10 11 10 9.19 8.94 9.88 8.10 8.16 7.23
Cash Income Taxes Paid		 - 0.15 0.25 0.07 0.01 0.01 3.65 1.15 1.29 0.02 1.83

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 560 577 601 563 573 619 640 673 721 720 771
Total Current Assets		 71 62 66 89 81 74 91 78 75 100 92
Cash & Equivalents		 32 27 31 47 47 45 58 45 45 64 64
Restricted Cash		 39 35 35 42 34 29 33 33 30 36 27
Plant, Property, & Equipment, net		 13 12 11 9.69 9.80 11 16 19 23 32 35
Total Noncurrent Assets		 476 503 523 465 482 534 533 576 622 588 644
Long-Term Investments		 - - - - - 19 19 19 19 19 20
Noncurrent Note & Lease Receivables		 418 447 467 412 431 461 455 491 542 503 496
Noncurrent Deferred & Refundable Income Taxes		 27 26 25 26 25 22 28 34 32 31 102
Other Noncurrent Operating Assets		 31 30 32 27 27 30 32 32 29 35 25
Total Liabilities & Shareholders' Equity		 560 577 601 563 573 619 640 673 721 720 771
Total Liabilities		 396 400 411 366 371 399 403 456 443 377 356
Total Current Liabilities		 21 27 25 24 28 30 33 30 34 42 44
Accounts Payable		 3.71 4.06 3.57 3.98 2.40 4.69 1.96 2.73 3.10 1.84 1.13
Accrued Expenses		 17 23 22 20 26 26 31 27 30 40 43
Total Noncurrent Liabilities		 375 374 385 342 343 369 370 426 410 335 312
Long-Term Debt		 331 332 342 300 302 326 288 306 321 284 276
Noncurrent Deferred & Payable Income Tax Liabilities		 26 24 24 25 25 25 33 38 39 35 20
Other Noncurrent Operating Liabilities		 19 17 19 17 17 18 50 82 50 16 15
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		 164 177 190 197 202 220 237 218 277 343 414
Total Preferred & Common Equity		 1.44 7.45 11 18 19 35 23 13 49 76 414
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		 1.44 7.45 11 18 19 35 23 13 49 76 414
Common Stock		 67 71 72 79 81 92 101 111 113 112 437
Retained Earnings		 -63 -61 -59 -58 -57 -51 -72 -92 -50 -5.18 9.73
Treasury Stock		 -2.46 -2.46 -2.46 -2.46 -4.99 -6.01 -6.01 -6.01 -13 -31 -33
Noncontrolling Interest		 163 170 178 179 183 185 214 204 228 267 0.00

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 86,362,551.00 85,124,851.00 85,393,248.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 86,362,551.00 85,124,851.00 85,393,248.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.20 0.33 0.17
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -45.58% 5.79% 3.12% 2.57% 2.11% 10.15% 12.78% 13.54% - 8.28% 1.91%
EBITDA Growth		 58.33% 8.37% 61.11% 76.57% 36.61% 48.91% -241.28% 459.78% - 74.71% -12.83%
EBIT Growth		 57.21% 9.27% 54.79% 71.68% 35.70% 46.81% -167.86% 353.74% - 73.00% -12.22%
NOPAT Growth		 184.44% 41.29% 61.62% 116.43% 316.30% 673.59% 41.85% 37.70% - -16.20% -63.11%
Net Income Growth		 136.70% 157.79% 53.11% 106.39% 619.89% 101.26% -58.52% 136.87% - 165.02% 35.99%
EPS Growth		 0.00% 400.00% 14.29% 61.54% 68.57% -580.00% -587.50% 266.67% - 216.67% 123.08%
Operating Cash Flow Growth		 16.22% 13.39% 6.00% 3.39% 14.47% 12.51% 23.69% 35.53% - 8.41% -3.75%
Free Cash Flow Firm Growth		 108.53% 146.48% 244.71% 992.25% 293.71% 65.91% -31.00% -114.47% - -282.77% -477.41%
Invested Capital Growth		 -0.48% -3.45% -5.40% -2.96% -1.60% 1.62% 0.98% 11.46% - 22.31% 35.65%
Revenue Q/Q Growth		 -0.18% -4.20% -0.82% 8.15% -0.64% 3.35% 1.55% 8.88% - -4.63% -4.42%
EBITDA Q/Q Growth		 -60.98% 16.90% 83.41% -5.59% -335.60% 33.03% -10.80% 211.31% - 80.84% -394.26%
EBIT Q/Q Growth		 -54.89% 16.28% 78.66% -2.35% -251.68% 30.74% -7.44% 196.96% - 78.20% -346.53%
NOPAT Q/Q Growth		 -62.44% -10.58% 461.74% 14.72% -27.75% 66.16% 3.01% 11.36% - 10.27% -54.66%
Net Income Q/Q Growth		 -87.50% 421.95% 173.18% 15.83% -56.41% 45.92% -43.70% 561.44% - 40.56% -71.11%
EPS Q/Q Growth		 -369.23% 128.57% 60.00% 31.25% -152.38% -336.36% -62.50% 198.72% - -62.16% -67.86%
Operating Cash Flow Q/Q Growth		 10.05% -9.85% 3.87% 0.34% 21.84% -11.39% 14.18% 9.94% - -22.29% 1.38%
Free Cash Flow Firm Q/Q Growth		 84.36% 150.88% 167.39% -11.68% -33.55% 5.72% 11.21% -118.52% - -40.49% -129.65%
Invested Capital Q/Q Growth		 -2.84% -9.69% 3.36% 7.00% -1.48% -6.73% 2.71% 18.10% - -1.88% 13.92%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 88.35% 87.42% 87.15% 89.89% 89.35% 90.18% 87.54% 90.64% - 90.62% 88.78%
EBITDA Margin		 -45.53% -39.49% -6.60% -6.45% -28.27% -18.32% -19.98% 20.43% - -4.28% -22.12%
Operating Margin		 6.55% 4.15% 23.35% 25.69% 18.18% 30.29% 31.46% 31.24% - 23.28% 16.78%
EBIT Margin		 -48.13% -42.07% -9.05% -8.56% -30.31% -20.31% -21.49% 19.14% - -5.07% -23.67%
Profit (Net Income) Margin		 1.46% 7.96% 21.91% 23.47% 10.30% 14.54% 8.06% 48.96% - 35.58% 10.75%
Tax Burden Percent		 65.24% 96.17% 96.80% 93.31% 95.88% 92.51% 90.37% 93.08% - 93.15% 61.33%
Interest Burden Percent		 -4.65% -19.67% -250.15% -293.67% -35.42% -77.36% -41.50% 274.84% - -753.95% -74.09%
Effective Tax Rate		 34.76% 3.83% 3.20% 6.69% 4.12% 7.49% 9.63% 6.92% - 6.85% 38.67%
Return on Invested Capital (ROIC)		 4.79% 4.95% 27.02% 27.32% 20.41% 36.64% 37.15% 34.88% - 28.58% 12.51%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.44% 7.09% 26.67% 27.05% 16.29% 26.94% 23.66% 48.33% - 40.85% 12.87%
Return on Net Nonoperating Assets (RNNOA)		 5.41% 9.24% 34.56% 33.50% 17.88% 24.23% 24.25% 44.55% - 24.24% 7.61%
Return on Equity (ROE)		 10.20% 14.19% 61.58% 60.82% 38.29% 60.87% 61.40% 79.42% - 52.82% 20.12%
Cash Return on Invested Capital (CROIC)		 10.12% 14.41% 18.48% 19.08% 21.66% 28.60% 31.27% 20.38% - 12.28% -5.41%
Operating Return on Assets (OROA)		 -41.47% -38.64% -8.18% -7.35% -25.66% -18.19% -19.14% 16.38% - -4.53% -20.04%
Return on Assets (ROA)		 1.26% 7.31% 19.80% 20.13% 8.71% 13.02% 7.18% 41.91% - 31.85% 9.11%
Return on Common Equity (ROCE)		 0.29% 0.77% 4.24% 6.87% 3.86% 5.71% 4.68% 13.46% - 8.95% 13.62%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 251.32% 296.76% 205.82% 0.00% 417.28% 0.00% 0.00% - 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 5.68 5.08 29 33 24 39 40 45 30 33 15
NOPAT Margin		 4.28% 3.99% 22.60% 23.97% 17.43% 28.02% 28.43% 29.07% - 21.69% 10.29%
Net Nonoperating Expense Percent (NNEP)		 1.35% -2.14% 0.35% 0.27% 4.12% 9.69% 13.49% -13.45% - -12.27% -0.36%
Return On Investment Capital (ROIC_SIMPLE)		 1.08% - - - 4.28% 7.49% 7.73% 7.54% 4.74% 5.25% 2.16%
Cost of Revenue to Revenue		 11.65% 12.58% 12.85% 10.11% 10.65% 9.82% 12.46% 9.36% - 9.39% 11.22%
SG&A Expenses to Revenue		 5.63% 7.27% 6.85% 6.81% 6.93% 5.75% 6.12% 6.45% - 8.12% 12.63%
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		 31.42% 32.93% 32.12% 30.95% 30.72% 24.62% 26.46% 26.82% - 24.81% 31.36%
Earnings before Interest and Taxes (EBIT)		 -64 -54 -11 -12 -41 -28 -31 30 -35 -7.69 -34
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -61 -50 -8.34 -8.81 -38 -26 -28 32 -34 -6.50 -32
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 104.09 14.63 40.49 23.39 40.30 34.54 181.93 40.03 - 8.68 2.05
Price to Tangible Book Value (P/TBV)		 104.09 14.63 40.49 23.39 40.30 34.54 181.93 40.03 - 8.68 2.05
Price to Revenue (P/Rev)		 2.14 0.52 1.45 1.56 2.51 1.45 4.38 3.45 - 1.08 1.39
Price to Earnings (P/E)		 0.00 62.11 144.93 111.77 181.98 0.00 0.00 510.68 - 9.93 8.34
Dividend Yield		 0.00% 0.00% 3.54% 2.54% 1.57% 1.33% 2.64% 3.27% - 4.80% 0.00%
Earnings Yield		 0.00% 1.61% 0.69% 0.89% 0.55% 0.00% 0.00% 0.20% - 10.07% 12.00%
Enterprise Value to Invested Capital (EV/IC)		 3.38 1.61 2.74 2.73 3.89 2.82 6.66 4.83 - 2.14 1.75
Enterprise Value to Revenue (EV/Rev)		 3.00 1.27 2.23 2.36 3.30 2.17 5.12 4.24 - 1.79 1.66
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)		 34.93 14.48 20.61 16.71 19.26 9.41 20.76 16.30 - 7.29 8.10
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.16 2.15 3.74 3.95 5.35 3.52 8.09 6.42 - 2.67 2.50
Enterprise Value to Free Cash Flow (EV/FCFF)		 33.28 10.95 14.42 14.08 17.82 9.94 21.41 24.97 - 19.19 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.71 1.52 1.50 1.48 1.36 1.22 1.41 1.16 - 0.83 0.67
Long-Term Debt to Equity		 1.71 1.52 1.50 1.48 1.36 1.22 1.41 1.16 - 0.83 0.67
Financial Leverage		 1.57 1.30 1.30 1.24 1.10 0.90 1.03 0.92 - 0.59 0.59
Leverage Ratio		 3.35 3.11 3.04 2.97 2.90 2.77 2.97 2.69 - 2.35 2.29
Compound Leverage Factor		 -0.16 -0.61 -7.60 -8.73 -1.03 -2.14 -1.23 7.40 - -17.69 -1.69
Debt to Total Capital		 63.16% 60.35% 59.94% 59.64% 57.64% 54.88% 58.42% 53.64% - 45.32% 40.02%
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		 63.16% 60.35% 59.94% 59.64% 57.64% 54.88% 58.42% 53.64% - 45.32% 40.02%
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		 34.86% 36.00% 36.36% 33.97% 36.43% 40.82% 39.03% 38.09% - 42.62% 0.00%
Common Equity to Total Capital		 1.98% 3.65% 3.70% 6.39% 5.93% 4.30% 2.55% 8.26% - 12.06% 59.98%
Debt to EBITDA		 -1.91 -1.77 -1.93 -2.54 -3.01 -3.55 -3.02 -5.27 - -7.64 -6.77
Net Debt to EBITDA		 -1.48 -1.25 -1.41 -1.81 -2.00 -2.20 -2.06 -3.73 - -4.44 -4.03
Long-Term Debt to EBITDA		 -1.91 -1.77 -1.93 -2.54 -3.01 -3.55 -3.02 -5.27 - -7.64 -6.77
Debt to NOPAT		 7.60 6.62 5.37 4.41 3.54 2.31 2.23 2.15 - 1.90 2.21
Net Debt to NOPAT		 5.91 4.67 3.93 3.14 2.35 1.44 1.53 1.52 - 1.11 1.32
Long-Term Debt to NOPAT		 7.60 6.62 5.37 4.41 3.54 2.31 2.23 2.15 - 1.90 2.21
Altman Z-Score		 2.04 1.03 2.03 1.98 2.54 1.80 3.77 3.58 - 1.94 2.17
Noncontrolling Interest Sharing Ratio		 97.18% 94.57% 93.11% 88.71% 89.91% 90.62% 92.38% 83.06% - 83.06% 32.34%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 2.80 3.69 2.89 2.44 2.65 2.76 2.62 2.24 - 2.40 2.08
Quick Ratio		 1.20 1.97 1.67 1.47 1.84 1.76 1.52 1.35 - 1.53 1.45
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 7.85 20 53 47 31 33 36 -6.73 -43 -60 -137
Operating Cash Flow to CapEx		 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% 1,989.47%
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		 0.86 0.92 0.90 0.86 0.85 0.90 0.89 0.86 - 0.90 0.85
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		 41.84 45.95 47.77 46.51 43.89 41.45 37.97 32.87 - 25.11 22.34
Accounts Payable Turnover		 12.06 17.27 19.42 14.91 22.75 19.61 23.31 15.53 - 32.16 30.96
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)		 30.25 21.13 18.80 24.47 16.05 18.62 15.66 23.50 - 11.35 11.79
Cash Conversion Cycle (CCC)		 -30.25 -21.13 -18.80 -24.47 -16.05 -18.62 -15.66 -23.50 - -11.35 -11.79
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 453 409 423 452 445 415 427 504 518 508 579
Invested Capital Turnover		 1.12 1.24 1.20 1.14 1.17 1.31 1.31 1.20 - 1.32 1.22
Increase / (Decrease) in Invested Capital		 -2.17 -15 -24 -14 -7.26 6.62 4.14 52 72 93 152
Enterprise Value (EV)		 1,529 657 1,158 1,233 1,734 1,172 2,842 2,433 - 1,089 1,013
Market Capitalization		 1,087 266 754 816 1,321 779 2,429 1,978 - 656 848
Book Value per Share		 $0.05 $0.16 $0.08 $0.20 $0.19 $0.26 $0.08 $0.28 $0.68 $0.89 $4.85
Tangible Book Value per Share		 $0.05 $0.16 $0.08 $0.20 $0.19 $0.26 $0.08 $0.28 $0.68 $0.89 $4.85
Total Capital		 527 498 503 546 553 525 524 598 630 627 691
Total Debt		 333 300 302 326 319 288 306 321 321 284 276
Total Long-Term Debt		 333 300 302 326 319 288 306 321 321 284 276
Net Debt		 259 212 221 232 211 179 209 227 209 165 165
Capital Expenditures (CapEx)		 2.10 2.13 2.59 3.89 4.40 4.39 4.64 5.19 4.90 5.15 4.63
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -26 -24 -28 -30 -33 -33 -30 -34 -46 -42 -44
Debt-free Net Working Capital (DFNWC)		 47 65 53 44 55 58 48 42 47 58 48
Net Working Capital (NWC)		 47 65 53 44 55 58 48 42 47 58 48
Net Nonoperating Expense (NNE)		 3.74 -5.05 0.87 0.69 9.68 19 29 -31 -8.57 -21 -0.68
Net Nonoperating Obligations (NNO)		 259 212 221 232 211 179 209 227 209 165 165
Total Depreciation and Amortization (D&A)		 3.46 3.28 3.09 2.89 2.78 2.80 2.15 2.00 1.38 1.20 2.24
Debt-free, Cash-free Net Working Capital to Revenue		 -5.20% -4.65% -5.39% -5.81% -6.33% -6.11% -5.38% -5.85% - -6.84% -7.23%
Debt-free Net Working Capital to Revenue		 9.33% 12.54% 10.17% 8.37% 10.46% 10.73% 8.72% 7.26% - 9.58% 7.79%
Net Working Capital to Revenue		 9.33% 12.54% 10.17% 8.37% 10.46% 10.73% 8.72% 7.26% - 9.58% 7.79%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.35) $0.29 $0.16 $0.21 ($0.30) ($0.48) ($0.78) $1.48 $0.77 $1.06 $0.22
Adjusted Weighted Average Basic Shares Outstanding		 16.39M 19.21M 19.68M 20.25M 20.15M 23.69M 26.61M 28.16M 26.51M 26.78M 67.51M
Adjusted Diluted Earnings per Share		 ($0.35) $0.10 $0.16 $0.21 ($0.11) ($0.48) ($0.78) $0.77 $1.48 $0.56 $0.18
Adjusted Weighted Average Diluted Shares Outstanding		 16.39M 86.24M 19.68M 20.25M 20.15M 23.69M 26.61M 88.24M 26.51M 86.20M 86.04M
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		 110.92M 222.52M 172.51M 172.43M 86.40M 173.62M 174.61M 86.36M 85.12M 85.39M 85.21M
Normalized Net Operating Profit after Tax (NOPAT)		 5.68 7.89 29 33 24 38 40 45 30 33 15
Normalized NOPAT Margin		 4.28% 6.19% 22.57% 24.01% 17.46% 27.07% 28.43% 29.07% - 21.69% 10.29%
Pre Tax Income Margin		 2.24% 8.27% 22.64% 25.15% 10.74% 15.71% 8.92% 52.60% - 38.19% 17.54%
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		 25.91% 40.71% 60.94% 61.85% 53.40% 50.63% 87.39% 53.39% - 35.59% 18.18%
Augmented Payout Ratio		 25.91% 40.71% 65.52% 66.80% 57.63% 50.63% 88.70% 59.43% - 49.75% 32.69%

Financials Breakdown Chart

Key Financial Trends

OppFi’s latest quarter shows stronger profitability and cash generation, but the balance sheet still carries meaningful leverage and a sizable noncontrolling interest structure that complicates the equity story.

For Q1 2026, OppFi reported revenue of $151.9 million, down from $159.3 million in Q4 2025 and $155.1 million in Q3 2025. Even with slightly lower revenue, the company produced gross profit of $137.6 million and operating income of $35.4 million, both improving on a sequential basis. Net income attributable to common shareholders was $28.4 million, up from $16.8 million in Q4 2025.

The cash flow statement was also solid. OppFi generated $90.8 million of operating cash flow in Q1 2026, up from $116.8 million in Q4 2025 but still very strong relative to quarterly revenue. After investing and financing activity, cash and equivalents increased by $6.7 million during the quarter. The company also continued to return capital through debt repayment, share repurchases, and dividends.

That said, the balance sheet shows the company is still highly levered. As of March 31, 2026, OppFi had $719.99 million in assets versus $377.0 million in liabilities, and long-term debt of $284.3 million. Cash and equivalents were $63.9 million, with $36.1 million in restricted cash. Total common equity remained relatively modest at $75.7 million.

  • Operating profitability improved sequentially, with Q1 2026 operating income rising to $35.4 million from $30.9 million in Q4 2025.
  • Net income attributable to common shareholders increased to $28.4 million, versus $16.8 million in the prior quarter.
  • Operating cash flow remained strong at $90.8 million, supporting liquidity and capital returns.
  • Cash and equivalents rose by $6.7 million during the quarter, even after investing and financing outflows.
  • Interest income helped offset some non-operating pressure, with $1.1 million in interest and investment income.
  • Revenue was slightly lower sequentially, falling from $159.3 million in Q4 2025 to $151.9 million in Q1 2026.
  • Noncontrolling interest remains very large at $267.3 million, which reduces the portion of earnings attributable to common shareholders.
  • Capital returns continued through $9.9 million in buybacks and $10.4 million in dividends.
  • Debt remains substantial at $284.3 million, leaving the company sensitive to interest rates and credit conditions.
  • Other income/expense was again a drag, with a $43.1 million loss line in Q1 2026 that meaningfully reduced pre-tax results.

Looking at the broader trend, OppFi has moved from weaker results in 2023 into a much stronger earnings and cash flow profile in 2025 and early 2026. Revenue has been fairly stable in the $140 million to $160 million quarterly range, while operating margins and operating cash flow have improved. The main things investors should watch are whether this profitability is sustainable, how fast debt comes down, and whether the company can continue generating strong cash flow without relying on large non-operating gains or favorable investment activity.

08/23/26 03:51 AM ETAI Generated. May Contain Errors.

OppFi Financials - Frequently Asked Questions

According to the most recent income statement we have on file, OppFi's fiscal year ends in December. Their fiscal 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. Check out OppFi's forecast to explore projected trends and price targets.

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 8/10/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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