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OppFi Inc.

OPFI NYSE Finance Services Financials FY2019–FY2025

Revenue Total sales reported in the income statement.
$381M
18.6% vs prior year
Operating margin Operating income as a share of revenue.
43.7%
14.3 pts
Net income Profit after all expenses, interest and tax.
$26.3M
262.8%
Free cash flow Cash from operations minus capital spending.
$382M
23.0%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap Last close times the latest diluted share count, so it is approximate.
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P/E Last close divided by diluted earnings per share over the last four quarters.
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On $2.99 EPS (TTM)

What OppFi Inc. does

No business description yet.

Legal name
OppFi Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 12, 2026
Accession · CIK
0001818502-26-000019
0001818502

Revenue and margins

OppFi Inc. had $381M of revenue in fiscal 2025, up 18.6% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $382M in fiscal 2025, 100.3% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

OppFi Inc. returned $21.9M to shareholders in fiscal 2025, 6% of free cash flow. The diluted share count rose 31.6%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably OppFi Inc. can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $25.1M$16.2M$31.8M$61.3M$49.5M
Debt incl. finance leases $50.0M————
Net debt / EBITDA 0.4x————
Interest coverage 2.6x−0.2x———
Total assets $502M$580M$602M$641M$754M
Total liabilities $344M$421M$408M$407M$445M
Shareholders' equity −$9.0M−$0.5M$10.4M$32.8M$58.5M
Net debt (− = net cash) $24.9M————

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY19FY20FY21FY22FY23FY24FY25
Net income is positive ✓ ✓ ✓ ✓ ✕ ✓ ✓
Cash from operations is positive ✓ ✓ ✓ ✓ ✓ ✓ ✓
Return on assets rose — — ✕ ✕ ✕ ✓ ✓
Cash from operations exceeds net income ✓ ✓ ✓ ✓ ✓ ✓ ✓
Debt fell relative to assets — — — — — — —
Current ratio rose — — — — — — —
Share count didn't rise — ✓ ✕ ✓ ✓ ✕ ✕
Gross margin rose — — — — — — —
Revenue rose relative to assets — — ✕ ✕ ✓ ✓ ✓
F-score — / 3— / 4— / 6— / 6— / 6— / 6— / 6
Accruals ratio —−40.1%−36.0%−43.7%−50.3%−50.9%−53.7%
Altman Z'' —2.93—————

7 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $115M $200M $264M $217M $273M $321M $381M
Noninterest expense $81.9M $123M $206M $223M $227M $227M $215M
Provision for credit losses $99.4M $81.6M $0.9M — — — —
Operating income $33.0M $77.5M $57.3M −$6.3M $46.4M $94.5M $167M
Interest expense $20.1M $18.7M $21.8M $32.8M — — —
Pretax income $33.0M $77.5M $90.1M $3.1M $41.8M $88.1M $156M
Income tax $0.0M $0.0M $0.3M −$0.3M $2.3M $4.2M $9.9M
Net income $33.0M $77.5M $25.6M $7.1M −$1.0M $7.3M $26.3M
Net income to common — — $25.6M $7.1M −$1.0M $7.3M $26.3M
Diluted EPS $0.00 $0.00 $0.48 $0.05 −$0.06 $0.36 $0.99
Diluted shares 0.00B 0.00B 0.08B 0.08B 0.02B 0.02B 0.03B
Cash flow
Cash from operations $149M $192M $167M $243M $296M $324M $401M
Capital expenditure $6.6M $10.7M $14.4M $13.3M $9.0M $13.0M $19.1M
Free cash flow $142M $181M $153M $230M $287M $311M $382M
Depreciation and amortization $4.3M $6.7M $10.3M $13.6M $12.7M $9.6M $5.2M
Stock-based compensation $0.1M $0.1M $3.0M $3.4M $4.1M $5.3M $10.0M
Share buybacks — $0.0M $0.0M $2.5M $0.0M $3.6M $15.5M
Dividends paid — — — $0.0M $0.0M $2.4M $6.4M
Dividends and buybacks — $0.0M $0.0M $2.5M $0.0M $5.9M $21.9M
Balance sheet
Cash and short-term investments $36.0M $25.6M $25.1M $16.2M $31.8M $61.3M $49.5M
Total debt — — $50.0M — — — —
Loans, net — — $4.2M $0.6M $0.1M $0.0M —
Current assets — $1.4M — — — — —
Current liabilities — $0.1M — — — — —
Property and equipment, net — $10.6M $14.6M $14.0M $10.3M $13.7M $27.6M
Total assets — $286M $502M $580M $602M $641M $754M
Total liabilities — $187M $344M $421M $408M $407M $445M
Preferred stock — $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity — $5.0M −$9.0M −$0.5M $10.4M $32.8M $58.5M
Margins
Operating margin 28.7% 38.7% 21.7% −2.9% 17.0% 29.4% 43.7%
EBITDA margin 32.5% 42.1% 25.6% 3.3% 21.6% 32.4% 45.1%
Net margin 28.7% 38.7% 9.7% 3.3% −0.4% 2.3% 6.9%
FCF margin 123.9% 90.6% 58.0% 106.0% 105.1% 96.7% 100.3%
Efficiency ratio 71.3% 61.3% 78.3% 102.9% 83.0% 70.6% 56.3%
Returns
Return on capital — — 359.0% — — — —
Return on capital employed — 27.1% — — — — —
Return on equity — 1,550.3% — — −20.2% 33.6% 57.7%
Return on assets — 27.1% 6.5% 1.3% −0.2% 1.2% 3.8%
Return on tangible equity — 1,550.3% — — −9.6% 22.1% 45.0%
Growth
Revenue growth — 74.3% 31.7% −17.7% 25.9% 17.7% 18.6%
Net income growth — 134.9% −67.0% −72.2% −114.2% — 262.8%
EPS growth — — — −89.6% −220.0% — 175.0%
FCF growth — 27.5% −15.7% 50.4% 24.8% 8.2% 23.0%
Share count change — — — −0.3% −80.5% 22.9% 31.6%
Financial health
Net debt / EBITDA — — 0.4x — — — —
Interest coverage 1.6x 4.1x 2.6x −0.2x — — —
Current ratio — 10.1x — — — — —
Quick ratio — 10.1x — — — — —
Provision / loans — — 22.0% — — — —
Capital allocation
Capex / revenue 5.8% 5.4% 5.5% 6.1% 3.3% 4.0% 5.0%
Stock comp / revenue 0.1% 0.1% 1.1% 1.5% 1.5% 1.6% 2.6%
Payouts / FCF — 0.0% 0.0% 1.1% 0.0% 1.9% 5.7%
Quality scores
Altman Z'' — 2.9 — — — — —
Accruals ratio — −40.1% −36.0% −43.7% −50.3% −50.9% −53.7%

Source: SEC EDGAR XBRL filings (CIK 0001818502). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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