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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 Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
94.5726.337.26-1.017.125.55
Depreciation & Amortization
0.410.460.620.740.880.98
Other Amortization
6.977.8711.4114.4315.0711.61
Asset Writedown & Restructuring Costs
-0.16--0.47-
Provision for Credit Losses
253.74215.87204.49232.78235.986.89
Loss (Gain) on Equity Investments
-1.460.12-0.39---
Stock-Based Compensation
8.089.995.274.073.353.01
Change in Accounts Payable
-2.331.89-3.56-1.90.243.44
Change in Other Net Operating Assets
0.76-3.510.662.11-4.443.26
Other Operating Activities
23.42141.8388.3447.18-13.735.35
Operating Cash Flow
384.95401.31323.81296.15243.3167.35
Operating Cash Flow Growth
1.57%23.93%9.34%21.72%45.39%-12.89%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-18.45-19.11-13.01-8.99-13.25-14.37
Investment in Securities
---15.97---
Net Decrease (Increase) in Loans Originated / Sold - Investing
-231.54-288.69-214.47-235.3-303.99-185.1
Investing Cash Flow
-249.99-307.8-243.44-244.29-317.24-199.47

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
-253.27217.05186.7392.73127.36
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
-193.25-250.75-232.88-202.48-23.31-4
Net Debt Issued (Repaid)
29.672.53-15.83-15.7569.42123.36
Issuance of Preferred Stock
-----0.2
Issuance of Common Stock
0.650.430.290.390.13-
Repurchase of Common Stock
-29.66-20.12-4.89-0.28-2.46-
Common Dividends Paid
-6.41-6.41-2.37---
Total Dividends Paid
0-6.41-2.37---50.24
Other Financing Activities
-70.15-64.95-43.22-11.94-5.83-24.49
Financing Cash Flow
-69.48-88.53-66.02-27.5861.2648.83

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
65.484.9814.3524.27-12.6916.71

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
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%
Free Cash Flow Margin
115.58%111.81%112.29%126.82%126.54%63.89%
Free Cash Flow Per Share
5.1414.4215.4317.522.731.81

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
31.1136.1142.5743.7332.0922.04
Cash Income Tax Paid
16.226.090.480.070.36-
SEC Filings: 10-K · 10-Q