OPFI

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OppFi Inc. Class A

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Key Metrics

Previous Close: $7.18
52-Week Range: $6.50 – $12.45
Market Cap: $610.09M
P/E (TTM): 2.38
EPS (TTM): 3.01
Dividend Yield: —

Advanced Metrics

Price/Book: 1.47
PEG Ratio: —
Return on Equity: 58.24%
Return on Assets: 25.49%
Gross Margin: 100.00%
Operating Margin: 31.21%
Profit Margin: 31.06%
Current Ratio: 12.92
Debt/Equity: 0.69
Total Debt: $286.88M
Free Cash Flow: —
Revenue Growth: -13.90%
Earnings Growth: —
Enterprise Value: $832.63M

OPFI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$452.86M	$508.95M	$525.96M	$597.05M
Cost of Revenue	$95.14M	$107.43M	$105.18M	$100.06M
Gross Profit	$357.72M	$401.52M	$420.78M	$496.99M
Selling, General & Admin	$87.54M	$86.66M	$89.86M	$91.71M
Operating Expenses	$126.53M	$123.75M	$121.80M	$114.44M
Operating Income	$231.19M	$277.77M	$298.98M	$382.55M
EBITDA	$244.77M	$290.51M	$308.60M	$387.70M
Pretax Income	$3.06M	$41.81M	$88.05M	$156.13M
Income Tax	-$277.00K	$2.33M	$4.21M	$9.88M
Net Income	$7.10M	-$1.00M	$7.26M	$26.33M
Diluted EPS	0.05	-0.06	0.36	0.99
Diluted Shares	84.26M	16.39M	20.15M	26.51M

OPFI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$16.24M	$31.79M	$61.34M	$49.45M
Receivables	$459.94M	$465.33M	$475.73M	$546.24M
Current Assets	$510.16M	$539.28M	$564.02M	$639.50M
Total Assets	$579.84M	$601.54M	$641.17M	$754.09M
Current Liabilities	$55.18M	$51.47M	$59.80M	$85.98M
Long-Term Debt	$347.06M	$334.12M	$318.76M	$321.35M
Total Debt	$363.62M	$349.18M	$332.05M	$332.78M
Total Liabilities	$420.69M	$407.51M	$406.96M	$445.21M
Retained Earnings	-$63.55M	-$63.59M	-$55.13M	-$33.51M
Shareholders' Equity	-$494.00K	$10.44M	$32.77M	$58.48M
Working Capital	$454.98M	$487.80M	$504.22M	$553.52M
Net Debt	$330.82M	$302.32M	$257.41M	$271.90M

OPFI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$243.30M	$296.15M	$323.81M	$401.31M
Capital Expenditure	-$13.25M	-$8.99M	-$13.01M	-$19.11M
Free Cash Flow	$230.05M	$287.15M	$310.80M	$382.19M
Depreciation & Amortisation	$13.58M	$12.73M	$9.62M	$5.16M
Stock-Based Compensation	$3.35M	$4.07M	$5.27M	$9.99M
Investing Cash Flow	-$317.24M	-$244.29M	-$243.44M	-$307.80M
Financing Cash Flow	$61.26M	-$27.58M	-$66.02M	-$88.53M
Dividends Paid	-$1.31M	-$10.23M	-$44.77M	-$64.91M
Share Repurchases	-$2.46M	$0.00	-$3.55M	-$15.52M
Net Change in Cash	-$12.69M	$24.27M	$14.35M	$4.97M

OPFI Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$140.27M	$142.44M	$155.09M	$159.25M	$151.88M
Cost of Revenue	$24.02M	$27.39M	$24.59M	$24.05M	$22.76M
Gross Profit	$116.24M	$115.05M	$130.50M	$135.20M	$129.12M
Selling, General & Admin	$17.94M	$21.64M	$25.54M	$25.14M	$23.59M
Operating Expenses	$24.29M	$28.05M	$31.52M	$30.58M	$29.17M
Operating Income	$91.95M	$87.00M	$98.98M	$104.61M	$99.94M
EBITDA	$93.71M	$88.51M	$100.11M	$105.38M	$100.54M
Pretax Income	$22.04M	$12.70M	$81.58M	$39.81M	$58.01M
Income Tax	$1.65M	$1.22M	$5.65M	$1.36M	$3.97M
Net Income	-$11.37M	-$20.78M	$41.63M	$16.85M	$28.40M
Diluted EPS	-0.48	-0.78	0.77	—	0.56
Diluted Shares	23.69M	26.61M	88.24M	—	86.20M

OPFI Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$57.95M	$45.23M	$45.45M	$49.45M	$63.87M
Receivables	$459.87M	$495.52M	$541.90M	$546.24M	$502.56M
Current Assets	$550.64M	$573.79M	$617.09M	$639.50M	$602.48M
Total Assets	$640.07M	$673.38M	$720.62M	$754.09M	$719.99M
Current Liabilities	$65.75M	$67.37M	$72.27M	$85.98M	$41.61M
Long-Term Debt	$288.00M	$305.90M	$320.84M	$321.35M	$284.26M
Total Debt	$300.84M	$318.28M	$332.76M	$332.78M	$295.19M
Total Liabilities	$403.31M	$455.67M	$443.36M	$445.21M	$377.00M
Retained Earnings	-$72.17M	-$91.53M	-$49.80M	-$33.51M	-$5.18M
Shareholders' Equity	$22.55M	$13.35M	$49.42M	$58.48M	$75.65M
Working Capital	$484.88M	$506.42M	$544.82M	$553.52M	$560.87M
Net Debt	$230.04M	$260.67M	$275.39M	$271.90M	$220.40M

OPFI Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$83.74M	$95.62M	$105.12M	$116.82M	$90.78M
Capital Expenditure	-$4.39M	-$4.64M	-$5.19M	-$4.90M	-$5.15M
Free Cash Flow	$79.35M	$90.98M	$99.94M	$111.93M	$85.63M
Depreciation & Amortisation	$1.76M	$1.50M	$1.13M	$764.00K	$591.00K
Stock-Based Compensation	$1.26M	$5.09M	$1.93M	$1.71M	$1.67M
Investing Cash Flow	-$34.24M	-$81.32M	-$102.86M	-$89.39M	-$21.44M
Financing Cash Flow	-$47.02M	-$26.80M	-$5.34M	-$9.37M	-$62.69M
Dividends Paid	-$11.25M	-$43.03M	-$10.40M	-$240.00K	-$10.37M
Share Repurchases	$0.00	$0.00	-$7.35M	-$8.16M	-$9.95M
Net Change in Cash	$2.48M	-$12.50M	-$3.07M	$18.07M	$6.66M

Market Snapshot

About

OppFi provides financial technology lending products for underserved consumers, including installment loans and credit cards, using alternative credit assessment methods.