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OppFi Inc. (OPFI)
NYSE: OPFI · Real-Time Price · USD
5.94
+0.03 (0.51%)
At close: Nov 13, 2026, 4:00 PM EST
5.95
+0.01 (0.17%)
After-hours: Nov 13, 2026, 7:30 PM EST

OppFi Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
317.1341.82276.77226.43181.8239.42
Revenue Growth
-5.47%23.50%22.23%24.55%-24.07%27.24%
Operating Income
126.4165.3897.5243.37-2.3157.26
Net Income
94.5726.337.26-1.017.125.55
Earnings Per Share
1.610.990.36-0.060.050.48
EPS Growth
1071.27%175.00%---89.41%-

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
102.6949.4561.3431.7916.2425.06
Total Debt
359.55332.78332.05349.18363.62274.02
Net Cash (Debt)
-256.86-283.33-270.71-317.39-347.38-248.96
Net Cash Growth
------
Net Cash Per Share
-3.60-10.69-13.44-19.36-4.12-2.95

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
384.95401.31323.81296.15243.3167.35
Capital Expenditures
-18.45-19.11-13.01-8.99-13.25-14.37
Free Cash Flow
366.5382.19310.8287.16230.05152.97
Free Cash Flow Growth
1.70%22.97%8.23%24.82%50.38%-15.67%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
39.86%48.38%35.23%19.16%-1.27%23.91%
Pretax Margin
51.73%45.68%31.81%18.46%1.68%37.63%
Profit Margin
29.82%7.70%2.62%-0.44%3.90%10.67%
FCF Margin
115.58%111.81%112.29%126.82%126.54%63.89%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
3.7010.9922.39-4.192.39
Forward PE
4.046.378.989.57117.146.16
P/FCF Ratio
1.370.760.520.320.130.40
PS Ratio
1.590.850.590.400.160.26