OppFi Inc. (OPFI)
NYSE: OPFI · Real-Time Price · USD
7.32
+0.24 (3.39%)
Aug 25, 2026, 1:08 PM EDT - Market open
OppFi Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 101.72 | 26.33 | 7.26 | -1.01 | 7.1 | 25.55 |
Depreciation & Amortization | 0.4 | 0.46 | 0.62 | 0.74 | 0.88 | 0.98 |
Other Amortization | 6.42 | 7.87 | 11.41 | 14.43 | 15.07 | 11.61 |
Asset Writedown & Restructuring Costs | - | 0.16 | - | - | 0.47 | - |
Provision for Credit Losses | 247.8 | 215.87 | 204.49 | 232.78 | 235.9 | 86.89 |
Loss (Gain) on Equity Investments | -1.38 | 0.12 | -0.39 | - | - | - |
Stock-Based Compensation | 8.39 | 9.99 | 5.27 | 4.07 | 3.35 | 3.01 |
Change in Accounts Payable | -1.61 | 1.89 | -3.56 | -1.9 | 0.24 | 3.44 |
Change in Other Net Operating Assets | 15.88 | -3.5 | 10.66 | 2.11 | -4.44 | 3.26 |
Other Operating Activities | 28.9 | 141.83 | 88.34 | 47.18 | -13.7 | 35.35 |
Operating Cash Flow | 404.76 | 401.31 | 323.81 | 296.15 | 243.3 | 167.35 |
Operating Cash Flow Growth | 15.17% | 23.93% | 9.34% | 21.72% | 45.39% | -12.89% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -19.86 | -19.11 | -13.01 | -8.99 | -13.25 | -14.37 |
Investment in Securities | - | - | -15.97 | - | - | - |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -250.87 | -288.69 | -214.47 | -235.3 | -303.99 | -185.1 |
Investing Cash Flow | -270.72 | -307.8 | -243.44 | -244.29 | -317.24 | -199.47 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 253.27 | 217.05 | 186.73 | 92.73 | 127.36 |
Short-Term Debt Repaid | - | - | -1.45 | -2.58 | -1.63 | - |
Long-Term Debt Repaid | - | -250.75 | -231.43 | -199.9 | -21.69 | -4 |
Total Debt Repaid | -138.12 | -250.75 | -232.88 | -202.48 | -23.31 | -4 |
Net Debt Issued (Repaid) | -29.44 | 2.53 | -15.83 | -15.75 | 69.42 | 123.36 |
Issuance of Preferred Stock | - | - | - | - | - | 0.2 |
Issuance of Common Stock | 0.59 | 0.43 | 0.29 | 0.39 | 0.13 | - |
Repurchase of Common Stock | -30.73 | -20.12 | -4.89 | -0.28 | -2.46 | - |
Common Dividends Paid | - | -6.41 | -2.37 | - | - | - |
Total Dividends Paid | - | -6.41 | -2.37 | - | - | -50.24 |
Other Financing Activities | -60.87 | -64.95 | -43.22 | -11.94 | -5.83 | -24.49 |
Financing Cash Flow | -120.46 | -88.53 | -66.02 | -27.58 | 61.26 | 48.83 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 13.58 | 4.98 | 14.35 | 24.27 | -12.69 | 16.71 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 384.9 | 382.19 | 310.8 | 287.16 | 230.05 | 152.97 |
Free Cash Flow Growth | 15.20% | 22.97% | 8.23% | 24.82% | 50.38% | -15.67% |
Free Cash Flow Margin | 117.53% | 111.81% | 112.29% | 126.82% | 126.54% | 63.89% |
Free Cash Flow Per Share | 6.75 | 14.42 | 15.43 | 17.52 | 2.73 | 1.81 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 33.37 | 36.11 | 42.57 | 43.73 | 32.09 | 22.04 |
Cash Income Tax Paid | 4.29 | 6.09 | 0.48 | 0.07 | 0.36 | - |