OppFi Inc. (OPFI)

OppFi Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	568.31	521.23	505.43	451.45	349.03	290.23
Total Interest Expense	41.01	44.71	46.75	35.16	24.26	21.23
Net Interest Income	527.3	476.52	458.68	416.29	324.77	269
Other Revenue	5.22	4.74	3.52	1.41	1.54	0.79
Revenue Before Loan Losses	532.52	481.26	462.2	417.7	326.31	269.79
Provision for Loan Losses	197.09	204.49	235.77	235.9	86.89	81.62
Revenue	335.42	276.77	226.43	181.8	239.42	188.17
Revenue Growth (YoY)	28.69%	22.23%	24.55%	-24.07%	27.24%	75.37%
Salaries & Employee Benefits	60.49	60.48	60.68	59.98	65.05	44.2
Cost of Services Provided	109.26	109.16	109.65	110.55	106.84	50.56
Total Operating Expenses	176.26	179.25	183.06	184.1	182.17	101.48
Operating Income	159.16	97.52	43.37	-2.31	57.26	86.68
Earnings From Equity Investments	4.38	1.44	-	-	-	-
EBT Excluding Unusual Items	129.64	91.04	38.71	7.1	83.66	86.68
Restructuring Charges	1.41	-2.98	-	-	-	-
Gain (Loss) on Sale of Investments	-	-	2.98	-	-	-
Other Unusual Items	-	-	0.11	-	6.44	-9.17
Pretax Income	130.9	88.05	41.81	3.06	90.11	77.52
Income Tax Expense	9.12	4.22	2.33	-0.28	0.31	-
Earnings From Continuing Ops.	121.78	83.84	39.48	3.34	89.8	77.52
Minority Interest in Earnings	-117.9	-76.58	-40.48	3.76	-64.24	-
Net Income	3.87	7.26	-1.01	7.1	25.55	77.52
Net Income to Common	3.87	7.26	-1.01	7.1	25.55	77.52
Net Income Growth	-46.93%	-	-	-72.22%	-67.03%	134.93%
Shares Outstanding (Basic)	25	20	16	14	13	-
Shares Outstanding (Diluted)	25	20	16	84	84	-
Shares Change (YoY)	26.83%	22.91%	-80.55%	-0.26%	-	-
EPS (Basic)	0.16	0.36	-0.06	0.51	1.93	-
EPS (Diluted)	0.14	0.36	-0.06	0.05	0.48	-
EPS Growth	-63.71%	-	-	-89.41%	-	-
Free Cash Flow	360.37	310.8	287.16	230.05	152.97	181.39
Free Cash Flow Per Share	14.42	15.43	17.52	2.73	1.81	-
Operating Margin	47.45%	35.23%	19.16%	-1.27%	23.91%	46.07%
Profit Margin	1.16%	2.62%	-0.44%	3.90%	10.67%	41.20%
Free Cash Flow Margin	107.44%	112.29%	126.82%	126.54%	63.89%	96.40%
Effective Tax Rate	6.97%	4.79%	5.58%	-	0.34%	-
Revenue as Reported	573.52	525.96	508.95	452.86	350.57	200.23

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q