OppFi Inc Financials
This page shows OppFi Inc (OPFI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 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).
Cash generation now runs almost one-for-one with revenue, while thin equity makes reported returns look more dramatic than the asset base alone suggests.
Over the last three years, operating margin climbed from17.0% to43.7% . Meanwhile, SG&A moved only from$13.6M to$16.6M , which suggests a fixed-cost-heavy platform where added volume drops through faster once overhead is covered.
Cash flow is not merely keeping up with earnings; it is operating on a different scale, with operating cash flow at
The balance sheet has improved from negative equity to
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of OppFi Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
OppFi Inc has an operating margin of 43.7%, meaning the company retains $44 of operating profit per $100 of revenue. This strong profitability earns a score of 81/100, reflecting efficient cost management and pricing power. This is up from 29.4% the prior year.
OppFi Inc's revenue surged 18.6% year-over-year to $381.2M, reflecting rapid business expansion. This strong growth earns a score of 80/100.
OppFi Inc has elevated debt relative to equity (D/E of 11.89), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 4/100, reflecting increased financial risk.
OppFi Inc converts 100.3% of revenue into free cash flow ($382.2M). This strong cash generation earns a score of 100/100.
OppFi Inc passes 5 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), both operating efficiency signals pass.
For every $1 of reported earnings, OppFi Inc generates $15.24 in operating cash flow ($401.3M OCF vs $26.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
OppFi Inc generated $381.2M in revenue in fiscal year 2025. This represents an increase of 18.6% from the prior year.
OppFi Inc's EBITDA was $171.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 65.0% from the prior year.
OppFi Inc reported $26.3M in net income in fiscal year 2025. This represents an increase of 262.8% from the prior year.
OppFi Inc earned $0.99 per diluted share (EPS) in fiscal year 2025. This represents an increase of 175.0% from the prior year.
Cash & Balance Sheet
OppFi Inc generated $382.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 23.0% from the prior year.
OppFi Inc held $49.5M in cash against $0 in long-term debt as of fiscal year 2025.
OppFi Inc paid $0.25 per share in dividends in fiscal year 2025. This represents an increase of 108.3% from the prior year.
Margins & Returns
OppFi Inc's operating margin was 43.7% in fiscal year 2025, reflecting core business profitability. This is up 14.3 percentage points from the prior year.
OppFi Inc's net profit margin was 6.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.7 percentage points from the prior year.
OppFi Inc's ROE was 45.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 22.9 percentage points from the prior year.
Capital Allocation
OppFi Inc spent $15.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 337.0% from the prior year.
OppFi Inc invested $19.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 46.9% from the prior year.
OPFI Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $87.3M+2.0% | $85.6M-18.2% | $104.6M+4.3% | $100.2M+10.4% | $90.8M+12.4% | $80.8M-11.3% | $91.2M+5.7% | $86.3M |
| 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 | $5.1M-20.1% | $6.4M+62.8% | $3.9M-0.6% | $3.9M+62.4% | $2.4M-36.8% | $3.8M+6.6% | $3.6M-7.0% | $3.9M |
| Operating Income | $35.4M+14.3% | $30.9M-36.1% | $48.4M+8.1% | $44.8M+5.5% | $42.5M+72.2% | $24.7M-29.7% | $35.1M+19.0% | $29.5M |
| Interest Expense | $7.9M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax | $4.0M+191.3% | $1.4M-75.9% | $5.6M+361.4% | $1.2M-25.9% | $1.7M+175.2% | $600K-73.9% | $2.3M+151.3% | $914K |
| Net Income | $28.4M+68.6% | $16.8M-59.5% | $41.6M+300.4% | -$20.8M-82.7% | -$11.4M-102.7% | -$5.6M-231.5% | $4.3M+39.1% | $3.1M |
| EPS (Diluted) | $0.56 | N/A | $0.77+198.7% | $-0.78-62.5% | $-0.48 | N/A | $0.21+31.2% | $0.16 |
OPFI Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $720.0M-4.5% | $754.1M+4.6% | $720.6M+7.0% | $673.4M+5.2% | $640.1M-0.2% | $641.2M+3.5% | $619.3M+8.1% | $573.1M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $63.9M+29.1% | $49.5M+8.8% | $45.5M+0.5% | $45.2M-22.0% | $58.0M-5.5% | $61.3M+36.8% | $44.8M-3.8% | $46.6M |
| 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 | $644.3M-7.4% | $695.6M+3.6% | $671.2M+1.7% | $660.0M+6.9% | $617.5M+1.5% | $608.4M+4.1% | $584.4M+5.4% | $554.5M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $46.9M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $75.7M+29.4% | $58.5M+18.3% | $49.4M+270.2% | $13.4M-40.8% | $22.6M-31.2% | $32.8M-6.1% | $34.9M+87.3% | $18.6M |
| Retained Earnings | -$5.2M+84.5% | -$33.5M+32.7% | -$49.8M+45.6% | -$91.5M-26.8% | -$72.2M-30.9% | -$55.1M-8.9% | -$50.6M+11.7% | -$57.3M |
OPFI Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $90.8M-22.3% | $116.8M+11.1% | $105.1M+9.9% | $95.6M+14.2% | $83.7M-11.4% | $94.5M+21.8% | $77.6M+0.3% | $77.3M |
| Capital Expenditures | $5.1M+5.1% | $4.9M-5.6% | $5.2M+11.8% | $4.6M+5.7% | $4.4M-0.3% | $4.4M+13.3% | $3.9M+49.9% | $2.6M |
| Free Cash Flow | $85.6M-23.5% | $111.9M+12.0% | $99.9M+9.8% | $91.0M+14.7% | $79.3M-11.9% | $90.1M+22.3% | $73.7M-1.4% | $74.7M |
| Investing Cash Flow | -$21.4M+76.0% | -$89.4M+13.1% | -$102.9M-26.5% | -$81.3M-137.5% | -$34.2M+53.0% | -$72.8M+21.9% | -$93.3M-57.2% | -$59.3M |
| Financing Cash Flow | -$62.7M-569.1% | -$9.4M-75.5% | -$5.3M+80.1% | -$26.8M+43.0% | -$47.0M-517.3% | -$7.6M-183.8% | $9.1M+135.2% | -$25.9M |
| Dividends Paid | N/A | $0 | $0 | N/A | N/A | $0 | $0 | N/A |
| Share Buybacks | $9.9M+21.8% | $8.2M+11.0% | $7.4M | $0 | $0 | $0-100.0% | $1.0M | N/A |
OPFI Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 40.5%+4.4pp | 36.1%-10.2pp | 46.3%+1.6pp | 44.7%-2.1pp | 46.8%+16.3pp | 30.5%-8.0pp | 38.5%+4.3pp | 34.2% |
| Net Margin | 32.5%+12.8pp | 19.7%-20.1pp | 39.8%+60.6pp | -20.7%-8.2pp | -12.5%-5.6pp | -6.9%-11.6pp | 4.7%+1.1pp | 3.5% |
| Return on Equity | 37.5%+8.7pp | 28.8%-55.4pp | 84.2%+239.9pp | -155.6%-105.2pp | -50.4%-33.3pp | -17.1%-29.3pp | 12.2%-4.2pp | 16.5% |
| Return on Assets | 3.9%+1.7pp | 2.2%-3.5pp | 5.8%+8.9pp | -3.1%-1.3pp | -1.8%-0.9pp | -0.9%-1.6pp | 0.7%+0.2pp | 0.5% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.52-3.4 | 11.89-1.7 | 13.58-35.9 | 49.44+22.1 | 27.38+8.8 | 18.56+1.8 | 16.75-13.0 | 29.77 |
| FCF Margin | 98.1%-32.7pp | 130.8%+35.2pp | 95.6%+4.8pp | 90.8%+3.4pp | 87.4%-24.1pp | 111.5%+30.7pp | 80.8%-5.8pp | 86.6% |
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Frequently Asked Questions
What is OppFi Inc's annual revenue?
OppFi Inc (OPFI) reported $381.2M in total revenue for fiscal year 2025. This represents a 18.6% 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 18.6% year-over-year, from $321.5M to $381.2M in fiscal year 2025.
Is OppFi Inc profitable?
Yes, OppFi Inc (OPFI) reported a net income of $26.3M in fiscal year 2025, with a net profit margin of 6.9%.
What is OppFi Inc's EBITDA?
OppFi Inc (OPFI) had EBITDA of $171.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is OppFi Inc's operating margin?
OppFi Inc (OPFI) had an operating margin of 43.7% in fiscal year 2025, 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 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does OppFi Inc pay dividends?
Yes, OppFi Inc (OPFI) paid $0.25 per share in dividends during fiscal year 2025.
What is OppFi Inc's return on equity (ROE)?
OppFi Inc (OPFI) has a return on equity of 45.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is OppFi Inc's free cash flow?
OppFi Inc (OPFI) generated $382.2M in free cash flow during fiscal year 2025. This represents a 23.0% 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 $401.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are OppFi Inc's total assets?
OppFi Inc (OPFI) had $754.1M in total assets as of fiscal year 2025, including both current and long-term assets.
What are OppFi Inc's capital expenditures?
OppFi Inc (OPFI) invested $19.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is OppFi Inc's debt-to-equity ratio?
OppFi Inc (OPFI) had a debt-to-equity ratio of 11.89 as of fiscal year 2025, 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 3.5% for fiscal year 2025, 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 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 15.24x, 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 44 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.