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OppFi Inc. (OPFI)
NYSE: OPFI · Real-Time Price · USD
7.78
-0.20 (-2.51%)
At close: Sep 14, 2026, 4:00 PM EDT
7.71
-0.07 (-0.90%)
After-hours: Sep 14, 2026, 7:52 PM EDT

OppFi Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
327.48341.82276.77226.43181.8239.42
Revenue Growth
2.07%23.50%22.23%24.55%-24.07%27.24%
Operating Income
137.8165.3897.5243.37-2.3157.26
Net Income
101.7226.337.26-1.017.125.55
Earnings Per Share
2.140.990.36-0.060.050.48
EPS Growth
-175.00%---89.41%-

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
64.3549.4561.3431.7916.2425.06
Total Debt
286.88332.78332.05349.18363.62274.02
Net Cash (Debt)
-222.53-283.33-270.71-317.39-347.38-248.96
Net Cash Growth
------
Net Cash Per Share
-3.91-10.69-13.44-19.36-4.12-2.95

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
404.76401.31323.81296.15243.3167.35
Capital Expenditures
-19.86-19.11-13.01-8.99-13.25-14.37
Free Cash Flow
384.9382.19310.8287.16230.05152.97
Free Cash Flow Growth
15.20%22.97%8.23%24.82%50.38%-15.67%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
42.08%48.38%35.23%19.16%-1.27%23.91%
Pretax Margin
62.55%45.68%31.81%18.46%1.68%37.63%
Profit Margin
31.06%7.70%2.62%-0.44%3.90%10.67%
FCF Margin
117.53%111.81%112.29%126.82%126.54%63.89%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
3.6410.9922.39-4.192.39
Forward PE
4.896.378.989.57117.146.16
P/FCF Ratio
1.710.760.520.320.130.40
PS Ratio
2.010.850.590.400.160.26