NYSE : OPFI
OppFi Inc. — Financial statements
Financials · Credit Services · United States
Last price 5.86 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 499.32M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 599.71M | 591.77M | 521.23M | 505.43M | 451.45M | 349.03M |
| Total Interest Expense | 34.70M | 39.37M | 44.71M | 46.75M | 35.16M | 24.26M |
| Net Interest Income | 565.01M | 552.40M | 476.52M | 458.68M | 416.29M | 324.77M |
| Other Revenue | 5.83M | 5.28M | 4.74M | 3.52M | 1.41M | 1.54M |
| Revenue Before Loan Losses | 570.84M | 557.68M | 481.25M | 462.20M | 417.70M | 326.31M |
| Provision for Loan Losses | 253.74M | 215.87M | 204.49M | 235.77M | 235.90M | 86.89M |
| Revenue | 317.10M | 341.81M | 276.77M | 226.43M | 181.80M | 239.42M |
| Salaries & Employee Benefits | 57.92M | 60.70M | 60.48M | 60.68M | 59.98M | 65.05M |
| Cost of Services Provided | 127.97M | 110.58M | 109.16M | 109.64M | 110.55M | 106.83M |
| Total Operating Expenses | 190.70M | 176.43M | 179.25M | 183.06M | 184.10M | 182.17M |
| Operating Income | 126.40M | 165.38M | 97.52M | 43.37M | -2.31M | 57.26M |
| Earnings From Equity Investments | 4.12M | 4.97M | 1.44M | |||
| EBT Excluding Unusual Items | 162.72M | 154.84M | 91.03M | 38.71M | 7.10M | 83.66M |
| Restructuring Charges | 1.45M | 1.45M | -2.98M | |||
| Gain (Loss) on Sale of Investments | 2.98M | |||||
| Other Unusual Items | 113.00K | 6.44M | ||||
| Pretax Income | 164.02M | 156.13M | 88.05M | 41.81M | 3.06M | 90.11M |
| Income Tax Expense | 21.45M | 9.88M | 4.21M | 2.33M | -277.00K | 311.00K |
| Earnings From Continuing Ops. | 142.57M | 146.25M | 83.84M | 39.48M | 3.34M | 89.80M |
| Minority Interest in Earnings | -48.01M | -119.92M | -76.58M | -40.48M | 3.76M | -64.24M |
| Net Income | 94.57M | 26.33M | 7.26M | -1.00M | 7.10M | 25.55M |
| Net Income to Common | 94.57M | 26.33M | 7.26M | -1.00M | 7.10M | 25.55M |
| Shares Outstanding (Basic) | 51.90M | 26.51M | 20.15M | 16.39M | 13.91M | 13.22M |
| Shares Outstanding (Diluted) | 71.33M | 26.51M | 20.15M | 16.39M | 84.26M | 84.47M |
| EPS (Basic) | 1.82 | 0.99 | 0.36 | -0.06 | 0.51 | 1.93 |
| EPS (Diluted) | 1.61 | 0.99 | 0.36 | -0.06 | 0.05 | 0.48 |
| Free Cash Flow | 365.84M | 382.19M | 310.80M | 287.15M | 230.05M | 152.97M |
| Free Cash Flow Per Share | 5.13 | 14.42 | 15.43 | 17.52 | 2.73 | 1.81 |
| Operating Margin | 39.86% | 48.38% | 35.23% | 19.16% | -1.27% | 23.91% |
| Profit Margin | 29.82% | 7.70% | 2.62% | -0.44% | 3.90% | 10.67% |
| Free Cash Flow Margin | 115.37% | 111.81% | 112.29% | 126.82% | 126.54% | 63.89% |
| Effective Tax Rate | 13.08% | 6.33% | 4.79% | 5.58% | 0.34% | |
| Revenue as Reported | 605.53M | 597.05M | 525.96M | 508.95M | 452.86M | 350.57M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 102.70M | 49.45M | 61.34M | 31.79M | 16.24M | 25.06M |
| Long-Term Investments | 20.35M | 19.08M | 19.19M | |||
| Loans & Lease Receivables | 518.88M | 546.24M | 473.70M | 463.43M | 457.94M | 388.11M |
| Property, Plant & Equipment | 36.46M | 24.26M | 22.47M | 27.63M | 14.64M | |
| Restricted Cash | 37.97M | 43.81M | 26.94M | 42.15M | 33.43M | 37.30M |
| Other Current Assets | 2.04M | 1.90M | 2.55M | |||
| Long-Term Deferred Tax Assets | 32.65M | 21.34M | 25.78M | 26.76M | 25.59M | |
| Long-Term Deferred Charges | 5.03M | 2.73M | 3.83M | 4.05M | 1.52M | |
| Other Long-Term Assets | 162.50M | 21.37M | 9.63M | 10.18M | 11.25M | 9.87M |
| Total Assets | 842.40M | 754.09M | 641.17M | 601.54M | 579.84M | 502.11M |
| Accounts Payable | 37.41M | 2.77M | 879.00K | 4.44M | 6.34M | 6.10M |
| Accrued Expenses | 36.70M | 27.32M | 20.93M | 23.22M | 27.08M | |
| Short-Term Debt | 1.45M | 1.62M | ||||
| Current Portion of Long-Term Debt | 63.35M | 29.93M | 756.00K | 22.44M | ||
| Current Portion of Leases | 2.56M | |||||
| Long-Term Debt | 349.64M | 258.00M | 288.83M | 332.67M | 344.69M | 251.58M |
| Long-Term Leases | 8.87M | 13.29M | 15.06M | 16.56M | ||
| Other Current Liabilities | 6.69M | 5.09M | 1.08M | 2.51M | ||
| Other Long-Term Liabilities | 12.03M | 66.27M | 41.62M | 31.89M | 27.51M | 34.51M |
| Total Liabilities | 399.08M | 445.21M | 406.96M | 407.51M | 420.69M | 344.23M |
| Common Stock | 443.32M | 9.00K | 9.00K | 11.00K | 11.00K | 11.00K |
| Additional Paid-In Capital | 113.51M | 93.90M | 76.48M | 65.50M | 61.67M | |
| Retained Earnings | -33.51M | -55.13M | -63.59M | -63.55M | -70.72M | |
| Total Common Equity | 443.32M | 58.48M | 32.77M | 10.44M | -494.00K | -9.04M |
| Minority Interest | 250.39M | 201.44M | 183.59M | 159.64M | 166.92M | |
| Shareholders' Equity | 443.32M | 308.88M | 234.21M | 194.03M | 159.15M | 157.88M |
| Total Liabilities & Equity | 842.40M | 754.09M | 641.17M | 601.54M | 579.84M | 502.11M |
| Total Debt | 349.64M | 332.78M | 332.05M | 349.18M | 363.62M | 274.02M |
| Net Cash (Debt) | -246.94M | -283.33M | -270.71M | -317.39M | -347.38M | -248.96M |
| Net Cash Per Share | -3.46 | -10.69 | -13.44 | -19.36 | -4.12 | -2.95 |
| Filing Date Shares Outstanding | 85.07M | 26.44M | 24.23M | 19.31M | 15.22M | 13.35M |
| Total Common Shares Outstanding | 85.07M | 27.27M | 22.04M | 18.85M | 14.76M | 13.63M |
| Working Capital | 622.15M | 527.42M | 500.80M | 511.38M | 478.23M | 392.33M |
| Book Value Per Share | 5.21 | 2.14 | 1.49 | 0.55 | -0.03 | -0.66 |
| Tangible Book Value | 443.32M | 58.48M | 32.77M | 10.44M | -494.00K | -9.04M |
| Tangible Book Value Per Share | 5.21 | 2.14 | 1.49 | 0.55 | -0.03 | -0.66 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 94.57M | 26.33M | 7.26M | -1.00M | 7.10M | 25.55M |
| Depreciation & Amortization | 109.00K | 459.00K | 621.00K | 735.00K | 881.00K | 982.00K |
| Other Amortization | 7.87M | 7.87M | 11.41M | 14.43M | 15.07M | 11.61M |
| Asset Writedown & Restructuring Costs | 155.00K | 155.00K | 465.00K | |||
| Provision for Credit Losses | 215.87M | 215.87M | 204.49M | 232.78M | 235.90M | 86.89M |
| Loss (Gain) on Equity Investments | 118.00K | 118.00K | -392.00K | |||
| Stock-Based Compensation | 9.99M | 9.99M | 5.27M | 4.07M | 3.35M | 3.01M |
| Change in Accounts Payable | 1.89M | 1.89M | -3.56M | -1.90M | 238.00K | 3.44M |
| Change in Other Net Operating Assets | -3.50M | -3.50M | 10.66M | 2.11M | -4.43M | 3.25M |
| Other Operating Activities | 57.59M | 141.83M | 88.34M | 47.18M | -13.70M | 35.35M |
| Operating Cash Flow | 384.95M | 401.31M | 323.81M | 296.15M | 243.30M | 167.35M |
| Capital Expenditures | -19.11M | -19.11M | -13.01M | -8.99M | -13.25M | -14.37M |
| Investment in Securities | -15.97M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -288.69M | -288.69M | -214.47M | -235.30M | -303.99M | -185.10M |
| Other Investing Activities | 57.81M | |||||
| Investing Cash Flow | -249.99M | -307.80M | -243.44M | -244.29M | -317.24M | -199.47M |
| Long-Term Debt Issued | 253.27M | 217.05M | 186.73M | 92.73M | 127.36M | |
| Short-Term Debt Repaid | -1.45M | -2.58M | -1.63M | |||
| Long-Term Debt Repaid | -250.75M | -231.43M | -199.90M | -21.69M | -4.00M | |
| Total Debt Repaid | -250.75M | -250.75M | -232.88M | -202.48M | -23.31M | -4.00M |
| Net Debt Issued (Repaid) | 2.52M | 2.52M | -15.83M | -15.75M | 69.42M | 123.36M |
| Issuance of Preferred Stock | 200.00K | |||||
| Issuance of Common Stock | 429.00K | 429.00K | 294.00K | 387.00K | 125.00K | |
| Repurchase of Common Stock | -20.12M | -20.12M | -4.89M | -280.00K | -2.46M | |
| Common Dividends Paid | -6.41M | -6.41M | -2.37M | |||
| Total Dividends Paid | -6.41M | -6.41M | -2.37M | -50.24M | ||
| Other Financing Activities | -45.90M | -64.95M | -43.22M | -11.94M | -5.83M | -24.49M |
| Financing Cash Flow | -69.48M | -88.53M | -66.02M | -27.58M | 61.26M | 48.83M |
| Net Cash Flow | 65.48M | 4.97M | 14.35M | 24.27M | -12.69M | 16.70M |
| Free Cash Flow | 365.84M | 382.19M | 310.80M | 287.15M | 230.05M | 152.97M |
| Free Cash Flow Margin | 115.37% | 111.81% | 112.29% | 126.82% | 126.54% | 63.89% |
| Free Cash Flow Per Share | 5.13 | 14.42 | 15.43 | 17.52 | 2.73 | 1.81 |
| Cash Interest Paid | 36.11M | 36.11M | 42.57M | 43.73M | 32.09M | 22.04M |
| Cash Income Tax Paid | 6.09M | 6.09M | 475.00K | 73.00K | 356.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 472.91M | 289.37M | 162.53M | 91.13M | 29.74M | 61.13M |
| PE Ratio | 3.45 | 10.99 | 22.39 | 4.19 | 2.39 | |
| PS Ratio | 1.53 | 0.85 | 0.59 | 0.40 | 0.16 | 0.26 |
| PB Ratio | 1.08 | 0.94 | 0.69 | 0.47 | 0.19 | 0.39 |
| P/FCF Ratio | 1.33 | 0.76 | 0.52 | 0.32 | 0.13 | 0.40 |
| P/OCF Ratio | 1.26 | 0.72 | 0.50 | 0.31 | 0.12 | 0.36 |
| Debt / Equity Ratio | 0.79 | 1.08 | 1.42 | 1.80 | 2.29 | 1.74 |
| Debt / FCF Ratio | 0.96 | 0.87 | 1.07 | 1.22 | 1.58 | 1.79 |
| Net Debt / Equity Ratio | 0.56 | 0.92 | 1.16 | 1.64 | 2.18 | 1.58 |
| Net Debt / FCF Ratio | 0.68 | 0.74 | 0.87 | 1.10 | 1.51 | 1.63 |
| Quick Ratio | 16.62 | 5.32 | 8.46 | 17.75 | 14.85 | 7.11 |
| Current Ratio | 17.63 | 5.71 | 8.92 | 19.33 | 15.98 | 7.75 |
| Asset Turnover | 0.41 | 0.49 | 0.45 | 0.38 | 0.34 | 0.61 |
| Return on Equity (ROE) | 39.57% | 53.86% | 39.15% | 22.36% | 2.11% | 69.82% |
| Return on Assets (ROA) | 18.24% | 20.96% | 13.49% | 6.68% | 0.62% | 22.79% |
| Return on Invested Capital (ROIC) | 14.71% | 25.65% | 16.74% | 7.68% | -0.48% | 16.55% |
| Earnings Yield | 28.99% | 9.10% | 4.47% | -1.10% | 23.87% | 41.80% |
| FCF Yield | 75.46% | 132.08% | 191.22% | 315.10% | 773.61% | 250.25% |
| Payout Ratio | 24.36% | 32.71% | 196.61% | |||
| Buyback Yield / Dilution | -80.86% | -31.57% | -22.91% | 80.55% | 0.26% |