OppFi Inc. (OPFI)

OppFi Income Statement

Financials in millions USD. Fiscal year is January - December.

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	279.21	273.18	216.96	263.68	200.23	114.87
Revenue Growth (YoY)	24.97%	25.91%	-17.72%	31.69%	74.31%	105.74%
Cost of Revenue	111.7	111.24	118.27	117.51	62.84	35.03
Gross Profit	167.51	161.94	98.69	146.17	137.39	79.84
Selling, General & Admin	18.58	18.07	16.31	17.99	13.6	10.02
Research & Development	12.44	12.54	13.05	10.06	7.62	4.58
Other Operating Expenses	41.78	38.22	40.51	36.6	17.42	9.82
Operating Expenses	72.79	68.84	69.87	64.66	38.64	24.41
Operating Income	94.72	93.11	28.82	81.51	98.74	55.43
Interest Expense / Income	46.81	46.75	35.16	24.26	21.23	22.44
Other Expense / Income	41.04	45.03	-13.16	31.39	-	-
Pretax Income	6.87	1.33	6.82	25.87	77.52	33
Income Tax	2.59	2.33	-0.28	0.31	0	0
Net Income	4.28	-1.01	7.1	25.55	77.52	33
Net Income Growth	-31.76%	-	-72.22%	-67.03%	134.93%	239.01%
Shares Outstanding (Basic)	19	16	14	13	6	-
Shares Outstanding (Diluted)	86	16	84	84	6	-
Shares Change	467.77%	-80.55%	-0.26%	1404.81%	-	-
EPS (Basic)	0.21	-0.06	0.51	1.93	-	-
EPS (Diluted)	0.02	-0.06	0.05	0.48	-	-
EPS Growth	-50.00%	-	-89.58%	-	-	-
Free Cash Flow	295.93	287.16	230.05	152.97	181.39	142.28
Free Cash Flow Per Share	15.41	17.52	16.53	11.57	32.31	-
Gross Margin	59.99%	59.28%	45.49%	55.43%	68.62%	69.51%
Operating Margin	33.92%	34.08%	13.28%	30.91%	49.32%	48.26%
Profit Margin	1.53%	-0.37%	3.27%	9.69%	38.71%	28.72%
Free Cash Flow Margin	105.99%	105.11%	106.03%	58.01%	90.59%	123.86%
Effective Tax Rate	37.69%	175.79%	-4.06%	1.20%	-	-
EBITDA	65.75	60.81	55.56	60.4	105.48	59.71
EBITDA Margin	23.55%	22.26%	25.61%	22.91%	52.68%	51.98%
Depreciation & Amortization	12.07	12.74	13.58	10.28	6.73	4.28
EBIT	53.68	48.08	41.98	50.12	98.74	55.43
EBIT Margin	19.23%	17.60%	19.35%	19.01%	49.32%	48.26%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).