OppFi Inc.
OPFI NYSE· Finance Services
Last close · Oct 23, 2026
$5.42
KIRA · Stoqly’s AI analyst, in plain words
- OppFi Inc. had $381M of revenue in fiscal 2025, up 18.6% on the year before. Over five years, revenue changed +13.7% a year on average.
- Its operating margin was 43.7%, up 14.3 pts: of every 100 in sales, about 44 is left after running the business.
- OppFi Inc. made $26.3M of net profit in fiscal 2025.
- Free cash flow was $382M in fiscal 2025, 100.3% of revenue.
- OppFi Inc. returned $21.9M to shareholders in fiscal 2025, 6% of free cash flow. The diluted share count rose 31.6%.
Market cap
$466M
P/E
1.8x
Revenue
$381M
Net income
$26.3M
Free cash flow
$382M
Operating margin
43.7%
OppFi Inc. in 30 seconds · fiscal 2025
Are sales growing?
+18.6%
Yes. Sales grew 18.6% last year.
Does it make a profit?
6.9%
A little. It keeps 6.9% of every sale as profit.
Does profit turn into cash?
100.3%
Yes. 100.3% of sales ends up as free cash.
How is the share priced?
1.8x
One share costs 1.8 times its yearly profit per share.
What OppFi Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- OppFi Inc.
- CIK
- 0001818502
OppFi Inc. · OPFI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $264M | $217M | $273M | $321M | $381M |
| Revenue growth | 31.7% | −17.7% | 25.9% | 17.7% | 18.6% |
| Operating margin | 21.7% | −2.9% | 17.0% | 29.4% | 43.7% |
| Net income | $25.6M | $7.1M | −$1.0M | $7.3M | $26.3M |
| Net margin | 9.7% | 3.3% | −0.4% | 2.3% | 6.9% |
| Diluted EPS | $0.48 | $0.05 | −$0.06 | $0.36 | $0.99 |
| Cash | |||||
| Cash from operations | $167M | $243M | $296M | $324M | $401M |
| Capital expenditure | $14.4M | $13.3M | $9.0M | $13.0M | $19.1M |
| Free cash flow | $153M | $230M | $287M | $311M | $382M |
| FCF margin | 58.0% | 106.0% | 105.1% | 96.7% | 100.3% |
| Dividends paid | — | $0.0M | $0.0M | $2.4M | $6.4M |
| Share buybacks | $0.0M | $2.5M | $0.0M | $3.6M | $15.5M |
| Share count change | — | −0.3% | −80.5% | 22.9% | 31.6% |
| Debt and strength | |||||
| Cash and short-term investments | $25.1M | $16.2M | $31.8M | $61.3M | $49.5M |
| Debt incl. finance leases | $50.0M | — | — | — | — |
| Loans, net | $4.2M | $0.6M | $0.1M | $0.0M | — |
| Shareholders' equity | −$9.0M | −$0.5M | $10.4M | $32.8M | $58.5M |
| Net debt / EBITDA | 0.4x | — | — | — | — |
| Interest coverage | 2.6x | −0.2x | — | — | — |
| Returns and quality | |||||
| Return on capital | 359.0% | — | — | — | — |
| Return on equity | — | — | −20.2% | 33.6% | 57.7% |
| Return on tangible equity | — | — | −9.6% | 22.1% | 45.0% |
| Efficiency ratio | 78.3% | 102.9% | 83.0% | 70.6% | 56.3% |
Insiders bought, 12 months
$1.5M
1 insider
Insiders sold, 12 months
$2.1M
5 insiders
Of sales under plans
12%
$0.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
OppFi Inc. · OPFI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $5.42 a share, the company is worth $466M: 1.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001818502). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.