OppFi Inc Financials

OPFI

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 74/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

100

OppFi Inc has an operating margin of 29.4%, meaning the company retains $29 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 17.0% the prior year.

Growth

OppFi Inc's revenue surged 17.7% year-over-year to $321.5M, reflecting rapid business expansion. This strong growth earns a score of 79/100.

Leverage

OppFi Inc has elevated debt relative to equity (D/E of 18.56), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

OppFi Inc converts 96.7% of revenue into free cash flow ($310.8M). This strong cash generation earns a score of 100/100.

Returns

OppFi Inc earns a strong 22.1% return on equity (ROE), meaning it generates $22 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 89/100.

Piotroski F-Score Neutral

5/9

OppFi Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

44.61x

For every $1 of reported earnings, OppFi Inc generates $44.61 in operating cash flow ($323.8M OCF vs $7.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows OppFi Inc (OPFI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$321.5M

YoY+17.7%

5Y CAGR+22.9%

OppFi Inc generated $321.5M in revenue in fiscal year 2024. This represents an increase of 17.7% from the prior year.

EBITDA

$104.2M

YoY+76.3%

5Y CAGR+22.8%

OppFi Inc's EBITDA was $104.2M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 76.3% from the prior year.

Free Cash Flow

$310.8M

YoY+8.2%

5Y CAGR+16.9%

OppFi Inc generated $310.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 8.2% from the prior year.

Net Income

$7.3M

YoY+822.2%

5Y CAGR-26.1%

OppFi Inc reported $7.3M in net income in fiscal year 2024. This represents an increase of 822.2% from the prior year.

EPS (Diluted)

$0.36

YoY+700.0%

OppFi Inc earned $0.36 per diluted share (EPS) in fiscal year 2024. This represents an increase of 700.0% from the prior year.

Cash & Debt

$61.3M

YoY+93.0%

5Y CAGR+11.3%

OppFi Inc held $61.3M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.12

OppFi Inc paid $0.12 per share in dividends in fiscal year 2024.

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

29.4%

YoY+12.4pp

5Y CAGR+0.7pp

OppFi Inc's operating margin was 29.4% in fiscal year 2024, reflecting core business profitability. This is up 12.4 percentage points from the prior year.

Net Margin

2.3%

YoY+2.6pp

5Y CAGR-26.5pp

OppFi Inc's net profit margin was 2.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.

Return on Equity

22.1%

OppFi Inc's ROE was 22.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.

R&D Spending

N/A

Share Buybacks

$3.6M

OppFi Inc spent $3.6M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$13.0M

YoY+44.7%

5Y CAGR+14.4%

OppFi Inc invested $13.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 44.7% from the prior year.

OPFI Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$321.5M+17.7%	$273.2M+25.9%	$217.0M-17.7%	$263.7M+31.7%	$200.2M+74.3%	$114.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$15.1M+10.3%	$13.6M+15.0%	$11.9M-14.4%	$13.9M+41.3%	$9.8M+24.5%	$7.9M
Operating Income	$94.5M+103.9%	$46.4M+830.9%	-$6.3M-111.1%	$57.3M-26.1%	$77.5M+134.9%	$33.0M
Interest Expense	N/A	N/A	$32.8M+50.4%	$21.8M+16.5%	$18.7M-6.8%	$20.1M
Income Tax	$4.2M+80.8%	$2.3M+941.5%	-$277K-189.1%	$311K	$0	$0
Net Income	$7.3M+822.2%	-$1.0M-114.2%	$7.1M-72.2%	$25.6M-67.0%	$77.5M+134.9%	$33.0M
EPS (Diluted)	$0.36+700.0%	$-0.06-220.0%	$0.05-89.6%	$0.48	$0.00	$0.00

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$104.6M+4.3%	$100.2M+10.4%	$90.8M+12.4%	$80.8M-6.3%	$86.3M+36.5%	$63.2M-3.9%	$65.8M-13.1%	$75.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.9M-0.6%	$3.9M+1.5%	$3.9M+1.0%	$3.8M-0.9%	$3.9M+2.1%	$3.8M+9.7%	$3.4M-8.1%	$3.8M
Operating Income	$48.4M+8.1%	$44.8M+5.5%	$42.5M+72.2%	$24.7M-16.3%	$29.5M+458.0%	$5.3M-39.3%	$8.7M-44.1%	$15.6M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$11.5M
Income Tax	$5.6M+361.4%	$1.2M-25.9%	$1.7M+175.2%	$600K-34.4%	$914K+126.2%	$404K-60.9%	$1.0M+123.3%	$463K
Net Income	$41.6M+300.4%	-$20.8M-82.7%	-$11.4M-102.7%	-$5.6M-282.9%	$3.1M-44.6%	$5.5M+199.5%	-$5.6M-356.7%	$2.2M
EPS (Diluted)	$0.77+198.7%	$-0.78-62.5%	$-0.48-336.4%	$-0.11-168.8%	$0.16+60.0%	$0.10+128.6%	$-0.35-369.2%	$0.13

OPFI Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$641.2M+6.6%	$601.5M+3.7%	$579.8M+15.5%	$502.1M+75.7%	$285.8M	N/A
Current Assets	N/A	N/A	N/A	N/A	$1.4M	N/A
Cash & Equivalents	$61.3M+93.0%	$31.8M+95.8%	$16.2M-35.2%	$25.1M-2.1%	$25.6M-28.8%	$36.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$608.4M+2.9%	$591.1M+1.9%	$580.3M+13.5%	$511.1M+82.0%	$280.8M	N/A
Current Liabilities	N/A	N/A	N/A	N/A	$136K	N/A
Long-Term Debt	N/A	N/A	N/A	$50.0M	N/A	N/A
Total Equity	$32.8M+213.9%	$10.4M+2213.4%	-$494K+94.5%	-$9.0M-280.8%	$5.0M	N/A
Retained Earnings	-$55.1M+13.3%	-$63.6M-0.1%	-$63.5M+10.1%	-$70.7M-176.6%	$92.3M	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$720.6M+7.0%	$673.4M+5.2%	$640.1M-0.2%	$641.2M+11.9%	$573.1M+1.8%	$563.2M-6.4%	$601.5M+0.2%	$600.6M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$45.5M+0.5%	$45.2M-22.0%	$58.0M-5.5%	$61.3M+31.6%	$46.6M-1.2%	$47.2M+48.4%	$31.8M+2.1%	$31.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$671.2M+1.7%	$660.0M+6.9%	$617.5M+1.5%	$608.4M+9.7%	$554.5M+1.7%	$545.0M-7.8%	$591.1M+0.3%	$589.2M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$49.4M+270.2%	$13.4M-40.8%	$22.6M-31.2%	$32.8M+75.9%	$18.6M+2.5%	$18.2M+74.1%	$10.4M-8.5%	$11.4M
Retained Earnings	-$49.8M+45.6%	-$91.5M-26.8%	-$72.2M-30.9%	-$55.1M+3.9%	-$57.3M+1.2%	-$58.0M+8.7%	-$63.6M-8.7%	-$58.5M

OPFI Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$323.8M+9.3%	$296.1M+21.7%	$243.3M+45.4%	$167.3M-12.9%	$192.1M+29.0%	$148.9M
Capital Expenditures	$13.0M+44.7%	$9.0M-32.1%	$13.3M-7.8%	$14.4M+34.1%	$10.7M+61.4%	$6.6M
Free Cash Flow	$310.8M+8.2%	$287.2M+24.8%	$230.0M+50.4%	$153.0M-15.7%	$181.4M+27.5%	$142.3M
Investing Cash Flow	-$243.4M+0.3%	-$244.3M+23.0%	-$317.2M-59.0%	-$199.5M-102.9%	-$98.3M+54.1%	-$214.2M
Financing Cash Flow	-$66.0M-139.4%	-$27.6M-145.0%	$61.3M+25.4%	$48.8M+158.0%	-$84.1M-207.8%	$78.0M
Dividends Paid	$2.4M	$0	$0	N/A	N/A	N/A
Share Buybacks	$3.6M	$0-100.0%	$2.5M	$0	$0	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$105.1M+9.9%	$95.6M+14.2%	$83.7M-11.4%	$94.5M+22.3%	$77.3M+3.9%	$74.4M-9.8%	$82.6M+10.0%	$75.0M
Capital Expenditures	$5.2M+11.8%	$4.6M+5.7%	$4.4M-0.3%	$4.4M+69.9%	$2.6M+21.7%	$2.1M+1.2%	$2.1M-6.7%	$2.3M
Free Cash Flow	$99.9M+9.8%	$91.0M+14.7%	$79.3M-11.9%	$90.1M+20.6%	$74.7M+3.3%	$72.3M-10.1%	$80.5M+10.6%	$72.8M
Investing Cash Flow	-$102.9M-26.5%	-$81.3M-137.5%	-$34.2M+53.0%	-$72.8M-22.7%	-$59.3M-229.6%	-$18.0M+72.0%	-$64.3M+16.2%	-$76.8M
Financing Cash Flow	-$5.3M+80.1%	-$26.8M+43.0%	-$47.0M-517.3%	-$7.6M+70.5%	-$25.9M+37.9%	-$41.6M-303.0%	-$10.3M-281.9%	$5.7M
Dividends Paid	$0	N/A	N/A	$0	N/A	N/A	$0	$0
Share Buybacks	$7.4M	N/A	N/A	$0	N/A	N/A	$0	$0

OPFI Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	29.4%+12.4pp	17.0%+19.9pp	-2.9%-24.6pp	21.7%-17.0pp	38.7%+10.0pp	28.7%
Net Margin	2.3%+2.6pp	-0.4%-3.6pp	3.3%-6.4pp	9.7%-29.0pp	38.7%+10.0pp	28.7%
Return on Equity	22.1%	N/A	N/A	N/A	1550.3%	N/A
Return on Assets	1.1%+1.3pp	-0.2%-1.4pp	1.2%-3.9pp	5.1%-22.0pp	27.1%	N/A
Current Ratio	N/A	N/A	N/A	N/A	10.07	N/A
Debt-to-Equity	18.56-38.1	56.62+1231.4	-1174.76-1169.2	-5.53-61.7	56.17	N/A
FCF Margin	96.7%-8.4pp	105.1%-0.9pp	106.0%+48.0pp	58.0%-32.6pp	90.6%-33.3pp	123.9%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	46.3%+1.6pp	44.7%-2.1pp	46.8%+16.3pp	30.5%-3.6pp	34.2%+25.8pp	8.4%-4.9pp	13.3%-7.3pp	20.6%
Net Margin	39.8%+60.6pp	-20.7%-8.2pp	-12.5%-5.6pp	-6.9%-10.5pp	3.5%-5.2pp	8.8%+17.2pp	-8.5%-11.3pp	2.9%
Return on Equity	84.2%	N/A	N/A	12.2%-4.2pp	16.5%-14.0pp	30.5%	N/A	19.0%
Return on Assets	5.8%+8.9pp	-3.1%-1.3pp	-1.8%-0.9pp	-0.9%-1.4pp	0.5%-0.4pp	1.0%+1.9pp	-0.9%-1.3pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	13.58-35.9	49.44+22.1	27.38+8.8	18.56-11.2	29.77-0.2	29.99-26.6	56.62+5.0	51.62
FCF Margin	95.6%+4.8pp	90.8%+3.4pp	87.4%-24.1pp	111.5%+24.9pp	86.6%-27.8pp	114.4%-8.0pp	122.4%+26.2pp	96.2%

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Frequently Asked Questions

What is OppFi Inc's annual revenue?

OppFi Inc (OPFI) reported $321.5M in total revenue for fiscal year 2024. This represents a 17.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is OppFi Inc's revenue growing?

OppFi Inc (OPFI) revenue grew by 17.7% year-over-year, from $273.2M to $321.5M in fiscal year 2024.

Is OppFi Inc profitable?

Yes, OppFi Inc (OPFI) reported a net income of $7.3M in fiscal year 2024, with a net profit margin of 2.3%.

What is OppFi Inc's earnings per share (EPS)?

OppFi Inc (OPFI) reported diluted earnings per share of $0.36 for fiscal year 2024. This represents a 700.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is OppFi Inc's EBITDA?

OppFi Inc (OPFI) had EBITDA of $104.2M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

What is OppFi Inc's operating margin?

OppFi Inc (OPFI) had an operating margin of 29.4% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is OppFi Inc's net profit margin?

OppFi Inc (OPFI) had a net profit margin of 2.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does OppFi Inc pay dividends?

Yes, OppFi Inc (OPFI) paid $0.12 per share in dividends during fiscal year 2024.

What is OppFi Inc's return on equity (ROE)?

OppFi Inc (OPFI) has a return on equity of 22.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is OppFi Inc's free cash flow?

OppFi Inc (OPFI) generated $310.8M in free cash flow during fiscal year 2024. This represents a 8.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is OppFi Inc's operating cash flow?

OppFi Inc (OPFI) generated $323.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are OppFi Inc's total assets?

OppFi Inc (OPFI) had $641.2M in total assets as of fiscal year 2024, including both current and long-term assets.

What are OppFi Inc's capital expenditures?

OppFi Inc (OPFI) invested $13.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does OppFi Inc buy back shares?

Yes, OppFi Inc (OPFI) spent $3.6M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

What is OppFi Inc's debt-to-equity ratio?

OppFi Inc (OPFI) had a debt-to-equity ratio of 18.56 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is OppFi Inc's return on assets (ROA)?

OppFi Inc (OPFI) had a return on assets of 1.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is OppFi Inc's Piotroski F-Score?

OppFi Inc (OPFI) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are OppFi Inc's earnings high quality?

OppFi Inc (OPFI) has an earnings quality ratio of 44.61x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is OppFi Inc?

OppFi Inc (OPFI) scores 74 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.