OppFi Inc. (OPFI) Financial Statements
Industry: Finance Services
In fiscal 2025, OppFi reported revenue of $381.2M, up 18.6% from $321.5M the year before. Net income was $26.3M (a 6.9% net margin), or $0.99 per diluted share. Operating margin was 43.7%. Operating activities generated $401.3M of cash, leaving $382.2M of free cash flow. At fiscal year end, OppFi held $754.1M in total assets against $445.2M in total liabilities, including $49.5M of cash and equivalents.
Open the full interactive OppFi financials → Quarterly statements, key ratios, valuation history and price charts.
OppFi Key Stats
| Share Price | $5.82 |
|---|---|
| Market Cap | $500.7M |
| P/E Ratio | 5.9 |
| Revenue YoY Growth | +18.6% |
| 52-Week Range | $5.82 – $11.38 |
| Shares Outstanding | 67.5 million (basic, 2026 Q2) |
OppFi Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $263.7M | $217.0M | $273.2M | $321.5M | $381.2M |
| Operating Income | $57.3M | -$6.3M | $46.4M | $94.5M | $166.7M |
| Pre-Tax Income | $90.1M | $3.1M | $41.8M | $88.1M | $156.1M |
| Income Tax | $311,000 | -$277,000 | $2.3M | $4.2M | $9.9M |
| Net Income | $25.6M | $7.1M | -$1.0M | $7.3M | $26.3M |
| Diluted EPS | $1.93 | $0.05 | -$0.06 | $0.36 | $0.99 |
OppFi Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $104.6M | $85.6M | $87.3M | $86.2M |
| Net Income | $41.6M | $16.8M | $28.4M | $14.8M |
| Diluted EPS | $0.77 | $0.64 | $0.56 | $0.18 |
OppFi Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $25.1M | $16.2M | $31.8M | $61.3M | $49.5M |
| Total Assets | $502.1M | $579.8M | $601.5M | $641.2M | $754.1M |
| Total Long-Term Debt | $50.0M | $347.1M | $334.1M | $318.8M | $321.4M |
| Total Liabilities | $344.2M | $420.7M | $407.5M | $407.0M | $445.2M |
| Shareholders' Equity | -$9.0M | -$494,000 | $10.4M | $32.8M | $58.5M |
OppFi Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $167.3M | $243.3M | $296.1M | $323.8M | $401.3M |
| Cash From Investing | -$199.5M | -$317.2M | -$244.3M | -$243.4M | -$307.8M |
| Cash From Financing | $48.8M | $61.3M | -$27.6M | -$66.0M | -$88.5M |
| Free Cash Flow | $153.0M | $230.0M | $287.2M | $310.8M | $382.2M |
Figures from OppFi's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full OppFi financials page for every line item.
OppFi Company Profile
| Ticker | OPFI |
|---|---|
| Exchange | NYSE |
| Industry | Finance Services |
| Headquarters | Chicago, Illinois |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001818502 |
Frequently Asked Questions
What was OppFi's revenue in fiscal 2025?
OppFi (OPFI) reported revenue of $381.2M for fiscal 2025.
What is OppFi's annual revenue history?
OppFi's annual revenue by fiscal year: 2021: $263.7M; 2022: $217.0M; 2023: $273.2M; 2024: $321.5M; 2025: $381.2M.
What was OppFi's net income in fiscal 2025?
OppFi reported net income of $26.3M for fiscal 2025.
What was OppFi's earnings per share (EPS) in fiscal 2025?
OppFi's diluted EPS was $0.99 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did OppFi generate in fiscal 2025?
OppFi generated $382.2M of free cash flow in fiscal 2025.
What was OppFi's revenue last quarter?
In its most recent reported quarter (2026 Q2), OppFi reported revenue of $86.2M.
How much debt does OppFi have?
OppFi reported $321.4M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of OppFi are outstanding?
OppFi reported a weighted average of 67.5 million basic shares outstanding in 2026 Q2.
What is OppFi's market cap?
Based on its latest closing price, OppFi (OPFI) has a market capitalization of about $500.7M.
When does OppFi's fiscal year end?
OppFi's fiscal year end, as registered with the SEC, is December 31.
Where is OppFi headquartered?
OppFi lists its business address in Chicago, Illinois in its SEC filings.