OPFI NYSE Finance Services Financials FY2019βFY2025
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.
Last close Β· Oct 23, 2026
$5.42
6.2%Hi! I read OppFi Inc.βs latest annual report (fiscal 2025). Here is what stands out:
Good So-so Weak
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.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Is it selling more, and how much does it keep?
KIRA Β· 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 14.3Β pts: of every 100 in sales, about 44 is left after running the business.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
Revenue
Margins, % of revenue
Margins, % of revenue
KIRA Β· OppFi Inc. made $26.3M of net profit in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
Net income
Diluted EPS
Diluted EPS
How much cash comes in, and where does it go?
KIRA Β· Free cash flow was $382M in fiscal 2025, 100.3% of revenue.
Cash from operations minus capital spending.
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations vs capital spending
KIRA Β· OppFi Inc. returned $21.9M to shareholders in fiscal 2025, 6% of free cash flow. The diluted share count rose 31.6%.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
Dividends and buybacks
Diluted shares outstanding (annual)
KIRA Β· In the last 12 months, insiders bought $1.5M and sold $2.1M of shares on the open market.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$1.5M
1 insider
Sold, 12 months
$2.1M
5 insiders
Of sales under plans
12%
$0.2M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 14, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 1,940 | $7.80 | $0.0M | Form 4 |
| Sep 11, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,300 | $7.96 | $0.0M | Form 4 |
| Sep 11, 2026 | Pamela D. JohnsonCFO | Sold | 8,650 | $8.02 | $0.1M | Form 4 |
| Sep 10, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,350 | $7.56 | $0.0M | Form 4 |
| Sep 9, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,450 | $7.59 | $0.0M | Form 4 |
| Sep 8, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,475 | $7.41 | $0.0M | Form 4 |
| Sep 4, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,500 | $7.35 | $0.0M | Form 4 |
| Sep 3, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,450 | $7.33 | $0.0M | Form 4 |
| Sep 2, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,550 | $7.15 | $0.0M | Form 4 |
| Sep 1, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,550 | $6.91 | $0.0M | Form 4 |
| Aug 31, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,550 | $6.93 | $0.0M | Form 4 |
| Aug 28, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,500 | $7.15 | $0.0M | Form 4 |
| Aug 27, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,550 | $7.13 | $0.0M | Form 4 |
| Aug 26, 2026 | Christopher J. McKayChief Risk & Analytics Officer | Sold | 77,850 | $7.18 | $0.6M | Form 4 |
| Aug 26, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,500 | $7.19 | $0.0M | Form 4 |
| Aug 25, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,475 | $7.25 | $0.0M | Form 4 |
| Aug 24, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,475 | $7.15 | $0.0M | Form 4 |
| Aug 21, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,550 | $7.07 | $0.0M | Form 4 |
| Aug 20, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,450 | $7.13 | $0.0M | Form 4 |
| Aug 19, 2026 | David VennettilliDirector | Sold | 28,485 | $7.16 | $0.2M | Form 4 |
| Aug 19, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,500 | $7.16 | $0.0M | Form 4 |
| Aug 18, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,550 | $7.04 | $0.0M | Form 4 |
| Aug 17, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 3,500 | $7.00 | $0.0M | Form 4 |
| Aug 14, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 20,000 | $7.20 | $0.1M | Form 4 |
| Aug 13, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 60,000 | $7.13 | $0.4M | Form 4 |
| Aug 12, 2026 | Todd G. SchwartzChief Executive Officer, Director, 10% owner | Bought | 60,000 | $7.05 | $0.4M | Form 4 |
| Jun 15, 2026 | Jocelyn MooreDirector | Sold | 39,076 | $8.32 | $0.3M | Form 4 |
| Jun 12, 2026 | Christopher J. McKayChief Risk & Analytics Officer | Sold | 23,683 | $8.35 | $0.2M | Form 4 |
| Jun 8, 2026 | Christina M FavillaDirector | Sold | 30,000 | $8.14 | $0.2M | Form 4 |
| May 4, 2026 | David VennettilliDirector | Sold plan | 10,000 | $10.00 | $0.1M | Form 4 |
| Mar 12, 2026 | Jocelyn MooreDirector | Sold plan | 8,190 | $8.53 | $0.1M | Form 4 |
| Jan 5, 2026 | Pamela D. JohnsonCFO | Sold plan | 5,084 | $10.24 | $0.1M | Form 4 |
| Dec 11, 2025 | Jocelyn MooreDirector | Sold | 4,464 | $10.91 | $0.0M | Form 4 |
| Nov 21, 2025 | Jocelyn MooreDirector | Sold | 20,200 | $9.23 | $0.2M | Form 4 |
| Nov 3, 2025 | Pamela D. JohnsonCFO | Sold plan | 1,129 | $10.00 | $0.0M | Form 4 |
| Nov 3, 2025 | Christopher J. McKayChief Risk & Analytics Officer | Sold plan | 1,107 | $9.85 | $0.0M | Form 4 |
| Oct 2, 2025 | Pamela D. JohnsonCFO | Sold plan | 5,497 | $11.21 | $0.1M | Form 4 |
| Oct 2, 2025 | Christopher J. McKayChief Risk & Analytics Officer | Sold plan | 9,030 | $11.21 | $0.1M | Form 4 |
Can it carry its debts, and how well does it use its money?
Cash, debt and the ratios that show how comfortably OppFi Inc. can carry it.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Cash vs debt (incl. leases)
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $25.1M | $16.2M | $31.8M | $61.3M | $49.5M |
| Debt incl. finance leases | $50.0M | β | β | β | β |
| Net debt / EBITDA | 0.4x | β | β | β | β |
| Interest coverage | 2.6x | β0.2x | β | β | β |
| Total assets | $502M | $580M | $602M | $641M | $754M |
| Total liabilities | $344M | $421M | $408M | $407M | $445M |
| Shareholders' equity | β$9.0M | β$0.5M | $10.4M | $32.8M | $58.5M |
| Net debt (β = net cash) | $24.9M | β | β | β | β |
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Return on capital, equity and assets (annual)
Nine pass/fail tests of profitability, funding and efficiency. 8β9 is strong, 0β2 weak.
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.
| Test | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|
| Net income is positive | β | β | β | β | β | β | β |
| Cash from operations is positive | β | β | β | β | β | β | β |
| Return on assets rose | β | β | β | β | β | β | β |
| Cash from operations exceeds net income | β | β | β | β | β | β | β |
| Debt fell relative to assets | β | β | β | β | β | β | β |
| Current ratio rose | β | β | β | β | β | β | β |
| Share count didn't rise | β | β | β | β | β | β | β |
| Gross margin rose | β | β | β | β | β | β | β |
| Revenue rose relative to assets | β | β | β | β | β | β | β |
| F-score | β / 3 | β / 4 | β / 6 | β / 6 | β / 6 | β / 6 | β / 6 |
| Accruals ratio | β | β40.1% | β36.0% | β43.7% | β50.3% | β50.9% | β53.7% |
| Altman Z'' | β | 2.93 | β | β | β | β | β |
Every number, year by year.
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|
| 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 | β | β | β | β |
| Operating income | $33.0M | $77.5M | $57.3M | β$6.3M | $46.4M | $94.5M | $167M |
| Interest expense | $20.1M | $18.7M | $21.8M | $32.8M | β | β | β |
| Pretax income | $33.0M | $77.5M | $90.1M | $3.1M | $41.8M | $88.1M | $156M |
| Income tax | $0.0M | $0.0M | $0.3M | β$0.3M | $2.3M | $4.2M | $9.9M |
| Net income | $33.0M | $77.5M | $25.6M | $7.1M | β$1.0M | $7.3M | $26.3M |
| Net income to common | β | β | $25.6M | $7.1M | β$1.0M | $7.3M | $26.3M |
| Diluted EPS | $0.00 | $0.00 | $0.48 | $0.05 | β$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 | β | $0.0M | $0.0M | $2.5M | $0.0M | $3.6M | $15.5M |
| Dividends paid | β | β | β | $0.0M | $0.0M | $2.4M | $6.4M |
| Dividends and buybacks | β | $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 | β | β | $50.0M | β | β | β | β |
| Loans, net | β | β | $4.2M | $0.6M | $0.1M | $0.0M | β |
| Current assets | β | $1.4M | β | β | β | β | β |
| Current liabilities | β | $0.1M | β | β | β | β | β |
| Property and equipment, net | β | $10.6M | $14.6M | $14.0M | $10.3M | $13.7M | $27.6M |
| Total assets | β | $286M | $502M | $580M | $602M | $641M | $754M |
| Total liabilities | β | $187M | $344M | $421M | $408M | $407M | $445M |
| Preferred stock | β | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | β | $5.0M | β$9.0M | β$0.5M | $10.4M | $32.8M | $58.5M |
| Margins | |||||||
| Operating margin | 28.7% | 38.7% | 21.7% | β2.9% | 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% | β0.4% | 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 | β | β | 359.0% | β | β | β | β |
| Return on capital employed | β | 27.1% | β | β | β | β | β |
| Return on equity | β | 1,550.3% | β | β | β20.2% | 33.6% | 57.7% |
| Return on assets | β | 27.1% | 6.5% | 1.3% | β0.2% | 1.2% | 3.8% |
| Return on tangible equity | β | 1,550.3% | β | β | β9.6% | 22.1% | 45.0% |
| Growth | |||||||
| Revenue growth | β | 74.3% | 31.7% | β17.7% | 25.9% | 17.7% | 18.6% |
| Net income growth | β | 134.9% | β67.0% | β72.2% | β114.2% | β | 262.8% |
| EPS growth | β | β | β | β89.6% | β220.0% | β | 175.0% |
| FCF growth | β | 27.5% | β15.7% | 50.4% | 24.8% | 8.2% | 23.0% |
| Share count change | β | β | β | β0.3% | β80.5% | 22.9% | 31.6% |
| Financial health | |||||||
| Net debt / EBITDA | β | β | 0.4x | β | β | β | β |
| Interest coverage | 1.6x | 4.1x | 2.6x | β0.2x | β | β | β |
| Current ratio | β | 10.1x | β | β | β | β | β |
| Quick ratio | β | 10.1x | β | β | β | β | β |
| Provision / loans | β | β | 22.0% | β | β | β | β |
| 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 | β | 0.0% | 0.0% | 1.1% | 0.0% | 1.9% | 5.7% |
| Quality scores | |||||||
| Altman Z'' | β | 2.9 | β | β | β | β | β |
| Accruals ratio | β | β40.1% | β36.0% | β43.7% | β50.3% | β50.9% | β53.7% |
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 β not investment advice. Check the original filings before relying on any figure.
