OppFi Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Revenue	573.52	525.96	508.95	452.86	350.57	291.01
Revenue Growth (YoY)	9.63%	3.34%	12.39%	29.18%	20.46%	27.01%
Gross Profit	376.43	321.48	273.18	216.96	263.68	200.23
Selling, General & Admin	203.94	169.63	170.33	170.99	171.88	94.75
Depreciation & Amortization Expenses	6.52	9.62	12.74	13.58	10.28	6.73
Other Operating Expenses	-1.41	2.98	-2.98	3.57	-	-
Total Operating Expenses	209.05	182.23	180.08	188.14	182.17	101.48
Operating Income	167.38	139.24	93.11	28.82	81.51	98.74
Interest Expense	-40.99	-44.71	-46.75	-35.16	-24.26	-21.23
Other Non-Operating Income (Expense)	-18.53	-6.48	-4.55	9.41	32.85	-
Total Non-Operating Income (Expense)	-59.52	-51.19	-51.3	-25.76	8.59	-21.23
Pretax Income	130.9	88.05	41.81	3.06	90.11	77.52
Provision for Income Taxes	9.12	4.22	2.33	-0.28	0.31	-
Net Income	3.87	7.26	-1.01	7.1	25.55	77.52
Minority Interest in Earnings	117.9	76.58	40.48	-3.76	64.24	-
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	17	14	13	123
Shares Outstanding (Diluted)	57	20	16	84	84	123
Shares Change (YoY)	6.72%	22.91%	-80.55%	-0.26%	-31.34%	-
EPS (Basic)	-0.04	0.36	-0.06	0.51	1.93	0.63
EPS (Diluted)	-0.75	0.36	-0.06	0.05	0.48	0.63
EPS Growth	-	-	-	-89.58%	-23.81%	-
Free Cash Flow	360.37	310.8	287.16	230.05	152.97	181.39
Free Cash Flow Growth	15.95%	8.23%	24.82%	50.38%	-15.67%	27.49%
Free Cash Flow Per Share	6.38	15.43	17.52	2.73	1.81	57.75
Gross Margin	65.63%	61.12%	53.68%	47.91%	75.21%	68.80%
Operating Margin	29.18%	26.47%	18.29%	6.36%	23.25%	33.93%
Profit Margin	21.23%	15.94%	7.76%	0.74%	25.61%	26.64%
FCF Margin	62.83%	59.09%	56.42%	50.80%	43.64%	62.33%
EBITDA	173.9	148.87	105.84	42.4	91.8	105.48
EBITDA Margin	30.32%	28.30%	20.80%	9.36%	26.18%	36.24%
EBIT	167.38	139.24	93.11	28.82	81.51	98.74
EBIT Margin	29.18%	26.47%	18.29%	6.36%	23.25%	33.93%
Effective Tax Rate	6.97%	4.79%	5.58%	-9.04%	0.35%	0.00%

Updated Nov 6, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q