OppFi Inc. (OPFI)

Accolade 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	550.13	521.23	505.43	451.45	349.03	290.23
Total Interest Expense	42.21	44.71	46.75	35.16	24.26	21.23
Net Interest Income	507.93	476.52	458.68	416.29	324.77	269
Other Revenue	4.89	4.74	3.52	1.41	1.54	0.79
Revenue Before Loan Losses	512.82	481.26	462.2	417.7	326.31	269.79
Provision for Loan Losses	191.99	204.49	235.77	235.9	86.89	81.62
Revenue	320.83	276.77	226.43	181.8	239.42	188.17
Revenue Growth (YoY)	31.26%	22.23%	24.55%	-24.07%	27.24%	75.37%
Salaries & Employee Benefits	59.78	60.48	60.68	59.98	65.05	44.2
Cost of Services Provided	107.52	109.16	109.65	110.55	106.84	50.56
Total Operating Expenses	174.96	179.25	183.06	184.1	182.17	101.48
Operating Income	145.87	97.52	43.37	-2.31	57.26	86.68
Earnings From Equity Investments	3.64	1.44	-	-	-	-
EBT Excluding Unusual Items	82.48	91.04	38.71	7.1	83.66	86.68
Restructuring Charges	1.35	-2.98	-	-	-	-
Gain (Loss) on Sale of Investments	-	-	2.98	-	-	-
Other Unusual Items	-	-	0.11	-	6.44	-9.17
Pretax Income	83.67	88.05	41.81	3.06	90.11	77.52
Income Tax Expense	5.77	4.22	2.33	-0.28	0.31	-
Earnings From Continuing Ops.	77.9	83.84	39.48	3.34	89.8	77.52
Minority Interest in Earnings	-111.4	-76.58	-40.48	3.76	-64.24	-
Net Income	-33.5	7.26	-1.01	7.1	25.55	77.52
Net Income to Common	-33.5	7.26	-1.01	7.1	25.55	77.52
Net Income Growth	-	-	-	-72.22%	-67.03%	134.93%
Shares Outstanding (Basic)	23	20	16	14	13	-
Shares Outstanding (Diluted)	23	20	16	84	84	-
Shares Change (YoY)	-55.50%	22.91%	-80.55%	-0.26%	-	-
EPS (Basic)	-1.46	0.36	-0.06	0.51	1.93	-
EPS (Diluted)	-2.43	0.36	-0.06	0.05	0.48	-
EPS Growth	-	-	-	-89.41%	-	-
Free Cash Flow	334.11	310.8	287.16	230.05	152.97	181.39
Free Cash Flow Per Share	14.52	15.43	17.52	2.73	1.81	-
Operating Margin	45.47%	35.23%	19.16%	-1.27%	23.91%	46.07%
Profit Margin	-10.44%	2.62%	-0.44%	3.90%	10.67%	41.20%
Free Cash Flow Margin	104.14%	112.29%	126.82%	126.54%	63.89%	96.40%
Effective Tax Rate	6.90%	4.79%	5.58%	-	0.34%	-
Revenue as Reported	555.03	525.96	508.95	452.86	350.57	200.23

Updated Aug 6, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q