20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
OppFi Inc (OPFI) operates in the CREDIT SERVICES industry and is headquartered in Chicago, United States with about 410 employees. Its market capitalization is roughly $498 million. In the fiscal year ended 2025-12-31, OPFI reported $597M in revenue and $26M in net income.
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $611M | $597M | $526M | $509M | $453M | $351M | $291M | $107M | $54M |
| Gross Profit | $619M | $568M | $421M | $402M | $358M | $261M | $247M | $107M | $54M |
| Gross Margin % | 101.3% | 95.1% | 80.0% | 78.9% | 79.0% | 74.6% | 84.8% | 100.0% | 100.0% |
| Operating Income (EBIT) | $204M | $193M | $95M | $46M | ($6M) | $57M | $78M | $33M | $21M |
| Operating Margin % | 33.4% | 32.4% | 18.0% | 9.1% | -1.4% | 16.3% | 26.6% | 30.8% | 38.2% |
| Net Income | $102M | $26M | $7M | ($1M) | $7M | $26M | $78M | $33M | $10M |
| Net Margin % | 16.7% | 4.4% | 1.4% | -0.2% | 1.6% | 7.3% | 26.6% | 30.8% | 17.9% |
| EBITDA | $120M | $201M | $309M | $291M | $245M | $101M | $104M | $4M | $2M |
| Earnings Per Share (EPS) | $3.44 | $0.99 | $0.36 | $-0.01 | $0.08 | $0.20 | $0.61 | $2.54 | — |
| Shares Outstanding (M) | 86M | 27M | 20M | — | 84M | — | 127M | 13M | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $145M | $152M | $159M | $155M | $142M | $140M | $136M | $137M |
| Gross Profit | $137M | $146M | $206M | $130M | $115M | $116M | $110M | $112M |
| Gross Margin % | 94.4% | 95.9% | 129.3% | 84.1% | 80.8% | 82.9% | 81.2% | 81.6% |
| Operating Income (EBIT) | $33M | $65M | $58M | $48M | $45M | $42M | $25M | $35M |
| Operating Margin % | 22.5% | 42.9% | 36.1% | 31.2% | 31.5% | 30.3% | 18.2% | 25.7% |
| Net Income | $15M | $28M | $17M | $42M | ($21M) | ($11M) | ($6M) | $4M |
| Net Margin % | 10.2% | 18.7% | 10.6% | 26.9% | -14.6% | -8.1% | -4.1% | 3.1% |
| EBITDA | $35M | $67M | ($82M) | $100M | $89M | $94M | $82M | $83M |
| Earnings Per Share (EPS) | $0.17 | $1.07 | $0.64 | $1.56 | $-0.78 | $-0.48 | $-0.26 | $0.21 |
| Shares Outstanding (M) | 86M | 27M | 27M | 27M | 27M | 24M | 21M | 20M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $410M | $401M | $324M | $296M | $243M | $167M | $192M | $149M | $63M |
| Capital Expenditures (CapEx) | $20M | $19M | $13M | $9M | $13M | $14M | $11M | $7M | $4M |
| Free Cash Flow (FCF) | $390M | $382M | $311M | $287M | $230M | $153M | $181M | $142M | $59M |
| FCF Margin % | 63.8% | 64.0% | 59.1% | 56.4% | 50.8% | 43.6% | 62.3% | 132.6% | 108.4% |
| Dividends Paid | $32M | $65M | $2M | $10M | $1M | $51M | $16M | $9M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $92M | $91M | $122M | $105M | $96M | $84M | $95M | $78M |
| Capital Expenditures (CapEx) | $5M | $5M | $5M | $5M | $5M | $4M | $4M | $4M |
| Free Cash Flow (FCF) | $87M | $86M | $117M | $100M | $91M | $79M | $90M | $74M |
| FCF Margin % | 60.2% | 56.4% | 73.4% | 64.4% | 63.9% | 56.6% | 66.4% | 53.9% |
| Dividends Paid | $12M | $10M | $0M | $10M | $43M | $11M | $0M | $13M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $771M | $754M | $641M | $602M | $580M | $502M | $286M | $287M |
| Cash & Cash Equivalents | $64M | $49M | $61M | $32M | $16M | $25M | $26M | $17M |
| Total Liabilities | $356M | $445M | $407M | $408M | $421M | $344M | $187M | $249M |
| Total Debt (Short + Long-Term) | $278M | $387M | $319M | $336M | $293M | $296M | $158M | $224M |
| Total Shareholders' Equity | $414M | $58M | $33M | $10M | $0M | $158M | $99M | $37M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive OPFI viewer.
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