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OppFi Inc.(OPFI)Earnings, Financials & Key Ratios
OPFI•NYSE
$9.75
$258M mkt cap·9.8× P/E·Price updated May 6, 2026
AboutOppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.Show more
- Revenue$597M+13.5%
- EBITDA$198M+90.5%
- Net Income$26M+262.8%
- EPS (Diluted)0.99+175.0%
- Gross Margin95.09%+18.9%
- EBITDA Margin33.23%+67.8%
- Operating Margin32.37%+80.1%
- Net Margin4.41%+219.6%
- ROE9.7%+186.0%
- ROIC27.35%+96.0%
- Debt/Equity1.10-22.5%
- Interest Coverage4.97+202.7%
OPFI Key Insights
OppFi Inc. (OPFI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓FCF machine: 64.0% free cash flow margin
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 15.5%
- ✓Trading at only 0.8x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 4.2%
- ✗Profits declining 19.4% over 5 years
- ✗Dividend payout exceeds 100% of earnings
- ✗Shares diluted 31.6% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
OPFI Price & Volume
OppFi Inc. (OPFI) stock price & volume — 10-year historical chart
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OPFI Growth Metrics
OppFi Inc. (OPFI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years15.46%
3 Years9.65%
TTM13.52%
Profit CAGR
10 Years-
5 Years-19.42%
3 Years54.8%
TTM262.76%
EPS CAGR
10 Years-
5 Years-30.19%
3 Years169.82%
TTM-257.89%
Return on Capital
10 Years16.3%
5 Years14.33%
3 Years18.76%
Last Year30.93%
OPFI Recent Earnings
OppFi Inc. (OPFI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (91%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Mar 11, 2026EPS
$0.30
Est $0.28
+7.1%
Revenue
$159M
Est $160M
-0.3%
Q4 2025
Oct 29, 2025EPS
$0.46
Est $0.31
+48.4%
Revenue
$155M
Est $160M
-2.9%
Q3 2025
Aug 7, 2025EPS
$0.78
Revenue
$142M
Q3 2025
Aug 6, 2025EPS
$0.45
Est $0.30
+50.0%
Revenue
$155M
Est $153M
+1.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 11, 2026 | $0.30vs $0.28+7.1% | $159Mvs $160M-0.3% |
| Q4 2025 | Oct 29, 2025 | $0.46vs $0.31+48.4% | $155Mvs $160M-2.9% |
| Q3 2025 | Aug 7, 2025 | $0.78 | $142M |
| Q3 2025 | Aug 6, 2025 | $0.45vs $0.30+50.0% | $155Mvs $153M+1.1% |
Based on last 12 quarters of dataView full earnings history →
OPFI Peer Comparison
OppFi Inc. (OPFI) competitors in Financial services and insurance software — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ENVA | 4.22B | 169.28 | 14.62 | 18.58% | 9.79% | 24.88% | 41.96% | 3.41 |
 WRLD | 711.12M | 141.15 | 8.66 | -1.46% | 15.89% | 10.79% | 35.22% | 1.20 |
 RM | 327.39M | 34.84 | 7.83 | 9.7% | 6.88% | 13.16% | 92.95% | 4.65 |
 ATLC | 1.16B | 77.59 | 13.02 | 53.29% | 17.35% | 21.1% | 54.7% | 10.84 |
 QFIN | 3.76B | 13.26 | 2.16 | 5.38% | 36.49% | 28.76% | 35.81% | 0.07 |
 CACC | 5.48B | 525.67 | 14.00 | 8.57% | 18.29% | 29.39% | 19.22% | 4.17 |
 PRAA | 822.13M | 21.38 | -2.74 | 10.36% | -24.6% | -25.96% | 0.03 | |
 ECPG | 1.83B | 84.41 | 7.74 | 33.89% | 14.57% | 26.29% | 6.93% |
Compare OPFI vs Peers
OppFi Inc. (OPFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OPFI Income Statement
OppFi Inc. (OPFI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Sales/Revenue | 107.3M | 291.01M | 350.57M | 452.86M | 508.95M | 525.96M | 597.05M |
| Revenue Growth % | - | 171.22% | 20.46% | 29.18% | 12.39% | 3.34% | 13.52% |
| Cost of Goods Sold | 0 | 44.2M | 89.17M | 95.14M | 107.43M | 105.18M | 29.34M |
| COGS % of Revenue | - | 15.19% | 25.44% | 21.01% | 21.11% | 20% | 4.91% |
| Gross Profit | 107.3M▲ 0% | 246.82M▲ 130.0% | 261.4M▲ 5.9% | 357.72M▲ 36.8% | 401.52M▲ 12.2% | 420.78M▲ 4.8% | 567.71M▲ 34.9% |
| Gross Margin % | 100% | 84.81% | 74.56% | 78.99% | 78.89% | 80% | 95.09% |
| Gross Profit Growth % | - | 130.03% | 5.91% | 36.85% | 12.24% | 4.8% | 34.92% |
| Operating Expenses | 74.3M | 169.3M | 204.14M | 364.06M | 355.16M | 326.24M | 374.46M |
| OpEx % of Revenue | 69.25% | 58.18% | 58.23% | 80.39% | 69.78% | 62.03% | 62.72% |
| Selling, General & Admin | 29.34M | 38.11M | 88.94M | 87.54M | 86.66M | 89.86M | 87.58M |
| SG&A % of Revenue | 27.34% | 13.1% | 25.37% | 19.33% | 17.03% | 17.09% | 14.67% |
| Research & Development | 8.38M | 0 | 0 | 0 | 0 | 21.17M | 0 |
| R&D % of Revenue | 7.81% | - | - | - | - | 4.03% | - |
| Other Operating Expenses | 36.59M | 131.19M | 115.2M | 276.52M | 268.5M | 215.21M | 286.88M |
| Operating Income | 32.99M▲ 0% | 77.52M▲ 134.9% | 57.26M▼ 26.1% | -6.34M▼ 111.1% | 46.35M▲ 830.9% | 94.54M▲ 103.9% | 193.25M▲ 104.4% |
| Operating Margin % | 30.75% | 26.64% | 16.33% | -1.4% | 9.11% | 17.97% | 32.37% |
| Operating Income Growth % | - | 134.93% | -26.14% | -111.08% | 830.92% | 103.94% | 104.42% |
| EBITDA | 32.99M | 84.25M | 67.54M | 7.24M | 59.09M | 104.16M | 198.41M |
| EBITDA Margin % | 30.75% | 28.95% | 19.27% | 1.6% | 11.61% | 19.8% | 33.23% |
| EBITDA Growth % | - | 155.34% | -19.83% | -89.28% | 716.27% | 76.27% | 90.49% |
| D&A (Non-Cash Add-back) | 0 | 6.73M | 10.28M | 13.58M | 12.73M | 9.62M | 5.16M |
| EBIT | 0 | 96.8M | 90.24M | 231.19M | 277.77M | 298.98M | 195.5M |
| Net Interest Income | 0 | -21.23M | -137K | -35.16M | -46.75M | -182.23M | 557.68M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 597.05M |
| Interest Expense | 0 | 19.28M | 137K | 35.16M | 46.75M | 182.23M | 39.37M |
| Other Income/Expense | 0 | 0 | 32.85M | 9.4M | -4.54M | -6.48M | -37.12M |
| Pretax Income | 32.99M▲ 0% | 77.52M▲ 134.9% | 90.11M▲ 16.2% | 3.06M▼ 96.6% | 41.81M▲ 1265.0% | 88.05M▲ 110.6% | 156.13M▲ 77.3% |
| Pretax Margin % | 30.75% | 26.64% | 25.7% | 0.68% | 8.21% | 16.74% | 26.15% |
| Income Tax | 0 | 0 | 311K | -277K | 2.33M | 4.21M | 9.88M |
| Effective Tax Rate % | 0% | 0% | 0.35% | -9.04% | 5.58% | 4.79% | 6.33% |
| Net Income | 32.99M▲ 0% | 77.52M▲ 134.9% | 25.55M▼ 67.0% | 7.1M▼ 72.2% | -1M▼ 114.2% | 7.26M▲ 822.2% | 26.33M▲ 262.8% |
| Net Margin % | 30.75% | 26.64% | 7.29% | 1.57% | -0.2% | 1.38% | 4.41% |
| Net Income Growth % | - | 134.93% | -67.03% | -72.22% | -114.16% | 822.19% | 262.76% |
| Net Income (Continuing) | 32.99M | 77.52M | 89.8M | 3.34M | 39.48M | 83.84M | 146.25M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 166.92M | 159.64M | 183.59M | 201.44M | 250.39M |
| EPS (Diluted) | 2.54▲ 0% | 5.97▲ 135.0% | 0.48▼ 92.0% | 0.05▼ 89.5% | -0.06▼ 221.6% | 0.36▲ 687.3% | 0.99▲ 175.0% |
| EPS Growth % | - | 135.04% | -91.96% | -89.5% | -221.63% | 687.28% | 175% |
| EPS (Basic) | 2.54 | 5.97 | 1.93 | 0.51 | -0.06 | 0.36 | 0.99 |
| Diluted Shares Outstanding | 12.98M | 12.98M | 84.47M | 84.26M | 16.39M | 20.15M | 26.51M |
| Basic Shares Outstanding | 12.98M | 12.98M | 13.22M | 13.91M | 16.39M | 20.15M | 26.51M |
| Dividend Payout Ratio | 28.75% | 20.35% | 199.67% | 18.44% | - | 32.71% | 246.55% |
OPFI Balance Sheet
OppFi Inc. (OPFI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Total Current Assets | 16.79M | 267.9M | 450.47M | 510.16M | 539.28M | 564.02M | 639.5M |
| Cash & Short-Term Investments | 16.79M | 25.6M | 25.06M | 16.24M | 31.79M | 61.34M | 93.26M |
| Cash Only | 16.79M | 25.6M | 25.06M | 16.24M | 31.79M | 61.34M | 93.26M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 0 | 222.24M | 388.11M | 459.94M | 465.33M | 475.73M | 546.24M |
| Days Sales Outstanding | - | 278.75 | 404.09 | 370.71 | 333.72 | 330.14 | 333.94 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 20.06M | 37.3M | 33.98M | 42.15M | 26.94M | 0 |
| Total Non-Current Assets | 269.84M | 17.94M | 51.63M | 69.68M | 62.27M | 77.15M | 114.59M |
| Property, Plant & Equipment | 6.57M | 10.56M | 14.64M | 27.63M | 22.47M | 24.26M | 0 |
| Fixed Asset Turnover | 16.33x | 27.56x | 23.94x | 16.39x | 22.65x | 21.68x | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 1.9M | 19.19M | 19.08M |
| Other Non-Current Assets | 263.27M | 7.38M | 11.4M | 15.3M | 12.11M | 12.36M | 95.52M |
| Total Assets | 286.63M▲ 0% | 285.84M▼ 0.3% | 502.11M▲ 75.7% | 579.84M▲ 15.5% | 601.54M▲ 3.7% | 641.17M▲ 6.6% | 754.09M▲ 17.6% |
| Asset Turnover | 0.37x | 1.02x | 0.70x | 0.78x | 0.85x | 0.82x | 0.79x |
| Asset Growth % | - | -0.27% | 75.66% | 15.48% | 3.74% | 6.59% | 17.61% |
| Total Current Liabilities | 15.35M | 44.43M | 58.14M | 55.18M | 51.47M | 59.8M | 85.98M |
| Accounts Payable | 0 | 1.38M | 6.1M | 6.34M | 4.44M | 879K | 2.77M |
| Days Payables Outstanding | - | 11.4 | 24.97 | 24.32 | 15.09 | 3.05 | 34.5 |
| Short-Term Debt | 0 | 16.02M | 22.44M | 0 | 0 | 0 | 65.91M |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 15.35M | 6.37M | 2.51M | 0 | 0 | 0 | -65.91M |
| Current Ratio | 1.09x | 6.03x | 7.75x | 9.24x | 10.48x | 9.43x | 7.44x |
| Quick Ratio | 1.09x | 6.03x | 7.75x | 9.24x | 10.48x | 9.43x | 7.44x |
| Cash Conversion Cycle | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 233.83M | 142.08M | 286.09M | 365.51M | 356.04M | 347.16M | 359.23M |
| Long-Term Debt | 223.9M | 142.08M | 251.58M | 347.06M | 334.12M | 318.76M | 321.35M |
| Capital Lease Obligations | 0 | 0 | 0 | 16.56M | 15.06M | 13.29M | 11.42M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 9.93M | 0 | 34.51M | 1.89M | 6.86M | 15.11M | 26.45M |
| Total Liabilities | 249.18M | 186.51M | 344.23M | 420.69M | 407.51M | 406.96M | 445.21M |
| Total Debt | 223.9M | 158.1M | 274.02M | 363.62M | 349.18M | 332.05M | 339.29M |
| Net Debt | 207.11M | 132.5M | 248.96M | 347.38M | 317.39M | 270.71M | 246.03M |
| Debt / Equity | 5.98x | 1.59x | 1.74x | 2.28x | 1.80x | 1.42x | 1.10x |
| Debt / EBITDA | 6.79x | 1.88x | 4.06x | 50.23x | 5.91x | 3.19x | 1.71x |
| Net Debt / EBITDA | 6.28x | 1.57x | 3.69x | 47.99x | 5.37x | 2.60x | 1.24x |
| Interest Coverage | - | 5.02x | 658.71x | 6.57x | 5.94x | 1.64x | 4.97x |
| Total Equity | 37.45M▲ 0% | 99.33M▲ 165.3% | 157.88M▲ 58.9% | 159.15M▲ 0.8% | 194.03M▲ 21.9% | 234.21M▲ 20.7% | 308.88M▲ 31.9% |
| Equity Growth % | - | 165.26% | 58.94% | 0.81% | 21.92% | 20.71% | 31.88% |
| Book Value per Share | 2.89 | 7.65 | 1.87 | 1.89 | 11.84 | 11.63 | 11.65 |
| Total Shareholders' Equity | 37.45M | 99.33M | -9.04M | -494K | 10.44M | 32.77M | 58.48M |
| Common Stock | 0 | 217.18M | 11K | 11K | 11K | 9K | 9K |
| Retained Earnings | 30.58M | 92.32M | -70.72M | -63.55M | -63.59M | -55.13M | -33.51M |
| Treasury Stock | 0 | 0 | 0 | -2.46M | -2.46M | -6.01M | -21.53M |
| Accumulated OCI | 0 | -217.18M | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 166.92M | 159.64M | 183.59M | 201.44M | 250.39M |
OPFI Cash Flow Statement
OppFi Inc. (OPFI) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 148.92M | 192.11M | 167.35M | 243.3M | 296.15M | 323.81M | 401.31M |
| Operating CF Margin % | 138.79% | 66.01% | 47.74% | 53.72% | 58.19% | 61.56% | 67.21% |
| Operating CF Growth % | - | 29% | -12.89% | 45.39% | 21.72% | 9.34% | 23.93% |
| Net Income | 32.99M | 77.52M | 89.8M | 3.34M | -1M | 83.84M | 146.25M |
| Depreciation & Amortization | 4.28M | 6.73M | 10.28M | 13.58M | 12.73M | 9.62M | 5.16M |
| Stock-Based Compensation | 66K | 144K | 3.01M | 3.4M | 4.1M | 5.27M | 9.99M |
| Deferred Taxes | 114.25M | 0 | -248K | -589K | 1.83M | 3.52M | 4.9M |
| Other Non-Cash Items | 1.78M | 92.73M | 60.56M | 232.91M | 280.53M | 214.75M | 236.33M |
| Working Capital Changes | -4.46M | 14.99M | 3.94M | -9.35M | -2.04M | 6.81M | -1.32M |
| Change in Receivables | -5.06M | 5.89M | -2.75M | -2M | -2.16M | -417K | 2.32M |
| Change in Inventory | 5.06M | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 1.14M | -3.37M | 3.44M | 238K | -1.9M | -3.56M | 1.89M |
| Cash from Investing | -214.15M | -98.31M | -199.47M | -317.24M | -244.29M | -243.44M | -307.8M |
| Capital Expenditures | -6.64M | -10.72M | -14.37M | -13.25M | -8.99M | -13.01M | 0 |
| CapEx % of Revenue | 6.19% | 3.68% | 4.1% | 2.93% | 1.77% | 2.47% | 3.2% |
| Acquisitions | 0 | 0 | 0 | -1.31M | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - | - |
| Other Investing | -207.51M | -87.59M | -185.1M | -302.69M | -235.3M | -230.43M | -307.8M |
| Cash from Financing | 78.01M | -84.12M | 48.83M | 61.26M | -27.58M | -66.02M | -88.53M |
| Debt Issued (Net) | 0 | -65.97M | 123.36M | 69.42M | -15.75M | -15.83M | -2.88M |
| Equity Issued (Net) | 0 | 0 | 0 | -2.46M | 387K | -3.55M | -15.09M |
| Dividends Paid | -9.48M | -15.78M | -51.02M | -1.31M | -10.23M | -2.37M | -64.91M |
| Share Repurchases | 0 | 0 | 0 | -2.46M | 0 | -3.55M | -15.52M |
| Other Financing | 87.5M | -2.37M | -23.51M | -4.4M | -1.99M | -44.26M | -5.64M |
| Net Change in Cash | 12.78M▲ 0% | 9.68M▼ 24.3% | 16.7M▲ 72.6% | -12.69M▼ 176.0% | 24.27M▲ 291.2% | 14.35M▼ 40.9% | 4.97M▼ 65.3% |
| Free Cash Flow | 142.28M▲ 0% | 181.39M▲ 27.5% | 152.97M▼ 15.7% | 230.05M▲ 50.4% | 287.15M▲ 24.8% | 310.8M▲ 8.2% | 382.19M▲ 23.0% |
| FCF Margin % | 132.6% | 62.33% | 43.64% | 50.8% | 56.42% | 59.09% | 64.01% |
| FCF Growth % | - | 27.49% | -15.67% | 50.38% | 24.82% | 8.23% | 22.97% |
| FCF per Share | 10.96 | 13.98 | 1.81 | 2.73 | 17.52 | 15.43 | 14.42 |
| FCF Conversion (FCF/Net Income) | 4.51x | 2.48x | 6.55x | 34.28x | -294.67x | 44.61x | 15.24x |
| Interest Paid | 0 | 19.97M | 22.04M | 32.09M | 43.73M | 42.57M | 36.11M |
| Taxes Paid | 0 | 0 | 0 | 356K | 73K | 475K | 6.09M |
OPFI Key Ratios
OppFi Inc. (OPFI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 88.11% | 113.34% | 19.87% | 4.48% | -0.57% | 3.39% | 9.7% |
| Return on Invested Capital (ROIC) | - | 24.41% | 13.45% | -1.04% | 6.83% | 13.95% | 27.35% |
| Gross Margin | 100% | 84.81% | 74.56% | 78.99% | 78.89% | 80% | 95.09% |
| Net Margin | 30.75% | 26.64% | 7.29% | 1.57% | -0.2% | 1.38% | 4.41% |
| Debt / Equity | 5.98x | 1.59x | 1.74x | 2.28x | 1.80x | 1.42x | 1.10x |
| Interest Coverage | - | 5.02x | 658.71x | 6.57x | 5.94x | 1.64x | 4.97x |
| FCF Conversion | 4.51x | 2.48x | 6.55x | 34.28x | -294.67x | 44.61x | 15.24x |
| Revenue Growth | - | 171.22% | 20.46% | 29.18% | 12.39% | 3.34% | 13.52% |
OPFI SEC Filings & Documents
OppFi Inc. (OPFI) SEC filings — annual & quarterly reports (10-K, 10-Q)
OPFI Frequently Asked Questions
OppFi Inc. (OPFI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
OppFi Inc. (OPFI) reported $597.0M in revenue for fiscal year 2025. This represents a 456% increase from $107.3M in 2019.
OppFi Inc. (OPFI) grew revenue by 13.5% over the past year. This is steady growth.
Yes, OppFi Inc. (OPFI) is profitable, generating $26.3M in net income for fiscal year 2025 (4.4% net margin).
Dividend & Returns
Yes, OppFi Inc. (OPFI) pays a dividend with a yield of 25.12%. This makes it attractive for income-focused investors.
OppFi Inc. (OPFI) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.
OppFi Inc. (OPFI) generated $387.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
Explore More OPFI
OppFi Inc. (OPFI) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
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Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates