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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Interest and Dividend Income | 599.71 | 591.77 | 521.23 | 505.43 | 451.45 | 349.03 |
Total Interest Expense | 34.7 | 39.37 | 44.71 | 46.75 | 35.16 | 24.26 |
Net Interest Income | 565.01 | 552.4 | 476.52 | 458.68 | 416.29 | 324.77 |
Other Revenue | 5.83 | 5.28 | 4.74 | 3.52 | 1.41 | 1.54 |
Revenue Before Loan Losses | 570.84 | 557.68 | 481.26 | 462.2 | 417.7 | 326.31 |
Provision for Loan Losses | 253.74 | 215.87 | 204.49 | 235.77 | 235.9 | 86.89 |
| 317.1 | 341.82 | 276.77 | 226.43 | 181.8 | 239.42 | |
Revenue Growth | -5.47% | 23.50% | 22.23% | 24.55% | -24.07% | 27.24% |
Salaries & Employee Benefits | 57.92 | 60.7 | 60.48 | 60.68 | 59.98 | 65.05 |
Cost of Services Provided | 127.97 | 110.58 | 109.16 | 109.65 | 110.55 | 106.84 |
Total Operating Expenses | 190.7 | 176.43 | 179.25 | 183.06 | 184.1 | 182.17 |
Operating Income | 126.4 | 165.38 | 97.52 | 43.37 | -2.31 | 57.26 |
Earnings From Equity Investments | 4.12 | 4.97 | 1.44 | - | - | - |
EBT Excluding Unusual Items | 162.72 | 154.84 | 91.04 | 38.71 | 7.1 | 83.66 |
Restructuring Charges | 1.45 | 1.45 | -2.98 | - | - | - |
Gain (Loss) on Sale of Investments | - | - | - | 2.98 | - | - |
Other Unusual Items | - | - | - | 0.11 | - | 6.44 |
Pretax Income | 164.02 | 156.13 | 88.05 | 41.81 | 3.06 | 90.11 |
Income Tax Expense | 21.45 | 9.89 | 4.22 | 2.33 | -0.28 | 0.31 |
Earnings From Continuing Ops. | 142.57 | 146.25 | 83.84 | 39.48 | 3.34 | 89.8 |
Minority Interest in Earnings | -48.01 | -119.92 | -76.58 | -40.48 | 3.76 | -64.24 |
Net Income | 94.57 | 26.33 | 7.26 | -1.01 | 7.1 | 25.55 |
Net Income to Common | 94.57 | 26.33 | 7.26 | -1.01 | 7.1 | 25.55 |
Net Income Growth | 2341.09% | 262.76% | - | - | -72.22% | -67.03% |
Shares Outstanding (Basic) | 52 | 27 | 20 | 16 | 14 | 13 |
Shares Outstanding (Diluted) | 71 | 27 | 20 | 16 | 84 | 84 |
Shares Change | 185.46% | 31.57% | 22.91% | -80.55% | -0.26% | - |
EPS (Basic) | 1.82 | 0.99 | 0.36 | -0.06 | 0.51 | 1.93 |
EPS (Diluted) | 1.61 | 0.99 | 0.36 | -0.06 | 0.05 | 0.48 |
EPS Growth | 1071.27% | 175.00% | - | - | -89.41% | - |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 | 366.5 | 382.19 | 310.8 | 287.16 | 230.05 | 152.97 |
Free Cash Flow Per Share | 5.14 | 14.42 | 15.43 | 17.52 | 2.73 | 1.81 |
Operating Margin | 39.86% | 48.38% | 35.23% | 19.16% | -1.27% | 23.91% |
Profit Margin | 29.82% | 7.70% | 2.62% | -0.44% | 3.90% | 10.67% |
Free Cash Flow Margin | 115.58% | 111.81% | 112.29% | 126.82% | 126.54% | 63.89% |
Effective Tax Rate | 13.08% | 6.33% | 4.79% | 5.58% | - | 0.34% |
Revenue as Reported | 605.53 | 597.05 | 525.96 | 508.95 | 452.86 | 350.57 |