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Financials · OPFI

OppFi Inc. (OPFI) financials

For the twelve months ended Sep 30, 2026, OppFi Inc. reported $351.79M of revenue and $94.57M of net income.

Revenue, TTM
$351.79M
Revenue growth, YoY
-6.5%
Net income, TTM
$94.57M
Net income growth, YoY
24x
Net margin
26.9%
Free cash flow, TTM
$366.50M
Cash
$102.69M
P/E
5.56
P/S
1.49
Market cap
$525.7M
Annual revenue$381.18M
FY2019FY2025
Annual net income$26.33M
FY2019FY2025
Annual free cash flow$382.19M
FY2019FY2025

OPFI revenue and earnings growth

OPFI revenueQ3 2026$92.75M

Quarter YoY
-11.3%
QoQ
+7.6%
FY YoY
+18.6%
5Y CAGR
+13.7%

OPFI revenue was $92.75M in fiscal Q3 2026 (ended Sep 30, 2026), down 11.3% from a year earlier and up 7.6% from the prior quarter. For the full fiscal 2025 it was $381.18M, up 18.6% from fiscal 2024. Compound annual growth was +13.7% over 5 years. It rose in 5 of the last 6 fiscal years. Fiscal 2025 is the highest of the 7 fiscal years on file.

OPFI net incomeQ3 2026$34.48M

Quarter YoY
-17.2%
QoQ
+132.3%
FY YoY
+262.8%
5Y CAGR
-19.4%

OPFI net income was $34.48M in fiscal Q3 2026 (ended Sep 30, 2026), down 17.2% from a year earlier and up 132.3% from the prior quarter. For the full fiscal 2025 it was $26.33M, up 262.8% from fiscal 2024. Compound annual growth was -19.4% over 5 years.

OPFI EPSQ3 2026$0.40

Quarter YoY
-48.1%
QoQ
+122.2%
FY YoY
+175.0%

OPFI diluted EPS was $0.40 in fiscal Q3 2026 (ended Sep 30, 2026), down 48.1% from a year earlier and up 122.2% from the prior quarter. For the full fiscal 2025 it was $0.99, up 175.0% from fiscal 2024.

OPFI free cash flowQ3 2026$81.53M

Quarter YoY
-18.4%
QoQ
-6.7%
FY YoY
+23.0%
5Y CAGR
+16.1%

OPFI free cash flow was $81.53M in fiscal Q3 2026 (ended Sep 30, 2026), down 18.4% from a year earlier and down 6.7% from the prior quarter. For the full fiscal 2025 it was $382.19M, up 23.0% from fiscal 2024. Compound annual growth was +16.1% over 5 years. It rose in 5 of the last 6 fiscal years. Fiscal 2025 is the highest of the 7 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
Revenue$381.18M$321.48M$273.18M$216.96M$263.68M$200.23M$114.87M
Selling, general and admin$16.59M$15.05M$13.64M$11.87M$13.86M$9.81M$7.88M
Operating income$166.68M$94.54M$46.35M-$6.34M$57.26M$77.52M$32.99M
Pre-tax income$156.13M$88.05M$41.81M$3.06M$90.11M$77.52M$32.99M
Income tax$9.88M$4.21M$2.33M-$277.0K$311.0K$0$0
Net income$26.33M$7.26M-$1.00M$7.10M$25.55M$77.52M$32.99M
EPS, basic$0.99$0.36-$0.06$0.51$1.93$0.00$0.00
EPS, diluted$0.99$0.36-$0.06$0.05$0.48$0.00$0.00
Diluted shares26.5M20.1M16.4M84.3M84.5M00

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
Cash and equivalents$49.45M$88.29M$73.94M$49.67M$62.36M$45.66M$35.98M
Current assets-----$1.37M-
Total assets$754.09M$641.17M$601.54M$579.84M$502.11M$285.84M-
Current liabilities-----$135.6K-
Total debt----$50.00M--
Total liabilities$445.21M$406.96M$407.51M$420.69M$344.23M$186.51M-
Shareholders' equity$58.48M$234.21M$194.03M$159.15M$157.88M$99.33M-

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
Operating cash flow$401.31M$323.81M$296.15M$243.30M$167.35M$192.11M$148.92M
Capital expenditures$19.11M$13.01M$8.99M$13.25M$14.37M$10.72M$6.64M
Free cash flow$382.19M$310.80M$287.15M$230.05M$152.97M$181.39M$142.28M
Investing cash flow-$307.80M-$243.44M-$244.29M-$317.24M-$199.47M-$98.31M-$214.15M
Financing cash flow-$88.53M-$66.02M-$27.58M$61.26M$48.83M-$84.12M$78.01M
Dividends paid$6.41M$2.37M$0$0---
Share repurchases$15.52M$3.55M$0$2.46M$0$0-
Stock-based compensation$9.99M$5.27M$4.07M$3.35M$3.01M$144.0K$66.0K
Depreciation and amortization$5.16M$9.62M$12.73M$13.58M$10.30M$6.70M$4.30M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
Revenue growth, YoY18.6%17.7%25.9%-17.7%31.7%74.3%-
Net income growth, YoY262.8%---72.2%-67.0%134.9%-
EPS growth, YoY175.0%---89.6%---
Operating margin43.7%29.4%17.0%-2.9%21.7%38.7%28.7%
Net margin6.9%2.3%-0.4%3.3%9.7%38.7%28.7%
Free cash flow margin100.3%96.7%105.1%106.0%58.0%90.6%123.9%
Return on equity45.0%3.1%-0.5%4.5%16.2%78.0%-
Return on assets3.5%1.1%-0.2%1.2%5.1%27.1%-
Current ratio-----10.07-
Debt to equity----0.32--

Source: XBRL data OppFi Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

OPFI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
OPFI$351.79M-6.5%$94.57M26.9%$525.7M
AXP$77.59B+10.2%$12.26B15.8%$215.24B
SPGI$17.21B+18.2%$4.99B29.0%$135.62B
MCO$8.18B+9.0%$2.88B35.3%$87.18B
NU$15.77B+37.0%$2.87B18.2%$58.39B
RKT$11.46B+90.4%$1.30B11.4%$42.74B
COIN$5.63B-26.6%-$701.62M-12.5%$35.68B
AFRM$4.59B+32.7%$2.01B43.9%$23.08B
SYF$19.31B+2.6%$3.33B17.3%$22.96B

OPFI FAQ

7 questions
  • What is OPFI revenue?
    OppFi Inc. (OPFI) reported $351.79M of revenue for the twelve months ended Sep 30, 2026. That is down 6.5% from the year before. Revenue for fiscal 2025 was $381.18M.
  • Is OPFI profitable?
    Yes. OppFi Inc. earned $94.57M in net income for the twelve months ended Sep 30, 2026, a net margin of 26.9%.
  • How much cash and debt does OPFI have?
    OppFi Inc. reported $102.69M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is OPFI revenue growing?
    OppFi Inc.'s revenue changed +18.6% in fiscal 2025, to $381.18M. Its compound annual growth rate was +13.7% over 5 years.
  • What is OPFI free cash flow?
    OppFi Inc. generated $366.50M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $384.95M less capital expenditures.
  • When did OPFI last report financial results?
    The latest statements here come from OppFi Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this OPFI financial data come from?
    Quantisnow builds these statements from the structured XBRL data OppFi Inc. files with the SEC. It is provided for information only and is not investment advice.