OppFi Inc. OPFI

Financials SIC 6199 - Finance Services NAICS Finance and Insurance › Securities, Commodity Contracts, and Other Financial Investments and Related Activities › Other Financial Investment Activities derived NYSE

OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through transparency, responsible lending, financial inclusion, and an excellent customer experience, the Company supports consumers, who are turned away by mainstream options, to build better financial health. OppFi's primary mission is to facilitate financial inclusion and credit access to the 48 million everyday Americans who face credit insecurity, through its products and an unwavering commitment to its customers. Unlike payday loans and similar credit products that typically do not provide transparency, fairness, and ability to repay guidelines, OppFi is dedicated to offering the best possible product and service through its platform. The average installment loan for a new borrower facilitated by OppFi with its OppLoans platform is approximately $1,950, payable in installments and with an average contractual term of 11 months. Payments are reported to the three major credit bureaus. OppFi's dedication to borrowers is further evidenced by the OppFi TurnUp Program, which is described below and most importantly, by its strong customer satisfaction ratings.

Last close 5.42 2026-10-23
Market cap $473.2M 2025-06-30 share count
52-week range 5.40 - 11.69

Valuation FY2025 figures against the last close

P/S0.8x
P/E5.5x
P/FCF1.2x
EV/EBITDA2.8x
Dividend yield1.4%
Diluted EPS0.99

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Revenue $597.0M$526.0M$508.9M$452.9M$350.6M$291.0M$229.1M—
SG&A $16.6M$15.1M$13.6M$11.9M$13.9M$9.8M$7.9M—
Operating income $166.7M$94.5M$46.4M-$6.3M$57.3M$77.5M$33.0M—
Pre-tax income $156.1M$88.1M$41.8M$3.1M$90.1M$77.5M$33.0M—
Income tax $9.9M$4.2M$2.3M$277.0K$311.0K$0$0—
Net income $26.3M$7.3M-$1.0M$7.1M$25.6M$77.5M$33.0M—
EPS, basic 0.990.36-0.060.511.930.000.00—
EPS, diluted 0.990.36-0.060.050.480.000.00—
Shares, diluted (wtd. avg.) 26.5M20.1M16.4M84.3M84.5M00—

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Cash and equivalents $49.5M$61.3M$73.9M$49.7M$62.4M$45.7M$36.0M$23.2M
Total current assets —————$1.4M——
Property, plant and equipment $27.6M$13.7M$10.3M$14.0M$14.6M$10.6M——
Total assets $754.1M$641.2M$601.5M$579.8M$502.1M$285.8M——
Accounts payable —————$135.6K——
Total current liabilities —————$135.6K——
Long-term debt ————$50.0M———
Total liabilities $445.2M$407.0M$407.5M$420.7M$344.2M$186.5M——
Retained earnings -$33.5M-$55.1M-$63.6M-$63.5M-$70.7M$92.3M——
Total equity $58.5M$32.8M$194.0M$159.2M$157.9M$99.3M——

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Operating cash flow $401.3M$323.8M$296.1M$243.3M$167.3M$192.1M$148.9M—
Depreciation and amortisation ——$12.7M$13.6M$10.3M$6.7M$4.3M—
Stock-based compensation $10.0M$5.3M$4.1M$3.4M$3.0M$144.0K$66.0K—
Capital expenditure $19.1M$13.0M$9.0M$13.2M$14.4M$10.7M$6.6M—
Investing cash flow -$307.8M-$243.4M-$244.3M-$317.2M-$199.5M-$98.3M-$214.2M—
Financing cash flow -$88.5M-$66.0M-$27.6M$61.3M$48.8M-$84.1M$78.0M—
Dividends paid $6.4M$2.4M$0$0————
Buybacks $15.5M$3.6M$0$2.5M$0$0——

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-187424.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -200M 0 200M 400M 600M Revenue, FY2019: 229.1M Net income, FY2019: 33M Revenue, FY2020: 291M Net income, FY2020: 77.5M Revenue, FY2021: 350.6M Net income, FY2021: 25.6M Revenue, FY2022: 452.9M Net income, FY2022: 7.1M Revenue, FY2023: 508.9M Net income, FY2023: -1M Revenue, FY2024: 526M Net income, FY2024: 7.3M Revenue, FY2025: 597M Net income, FY2025: 26.3M FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $229.1M $291.0M $350.6M $452.9M $508.9M $526.0M $597.0M
Gross profit — — — — — — — —
Net income — $33.0M $77.5M $25.6M $7.1M -$1.0M $7.3M $26.3M

Recent filings and events

  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Material agreement signed Item 1.01
  • Material agreement terminated An agreement that mattered has ended. Often the other half of a deal that fell through. Item 1.02
  • Unregistered share sale Shares issued outside a registered offering. Dilution, and for a small company often the way it is funded. Item 3.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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