OppFi Inc. (OPFI) quarterly cash flow statement — complete operating, investing & financing history
OppFi Inc. (OPFI) cash flow statement — 7-year operating, investing & financing cash flows
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Cash from Operations | 85.32M | 92.03M | 90.78M | 121.74M | 105.12M | 95.62M | 83.74M | 94.51M | 77.57M | 77.31M | 74.43M | 82.56M | 75.02M | 72.93M | 65.64M | 71.03M | 69.48M | 58.05M | 44.73M | 47.26M |
| Operating CF Margin % | 57.17% | 63.4% | 59.77% | 76.44% | 67.78% | 67.13% | 59.7% | 69.63% | 56.79% | 61.21% | 58.45% | 62.11% | 56.34% | 59.54% | 54.53% | 59.18% | 55.92% | 53.82% | 44.42% | 49.25% |
| Operating CF Growth % | -18.84% | -3.75% | 8.41% | 28.81% | 35.53% | 23.69% | 12.51% | 14.47% | 3.39% | 6% | 13.39% | 16.22% | 7.98% | 25.62% | 46.74% | 50.32% | 97.09% | 47.04% | -1.38% | -2.95% |
| Net Income | 34.48M | 15.61M | 54.04M | 38.44M | 75.93M | 11.48M | 20.39M | 13.97M | 61.26M | 27.68M | 5.54M | 1.94M | 15.53M | 18.08M | 3.93M | -5.2M | -661K | 9.5M | -297K | 17.03M |
| Depreciation & Amortization | 1.95M | 1.51M | 591K | 764K | 1.13M | 1.5M | 1.76M | 2.13M | 2.28M | 2.49M | 2.73M | 2.91M | 3.12M | 3.32M | 3.39M | 3.52M | 3.45M | 3.37M | 3.24M | 2.99M |
| Stock-Based Compensation | 1.62M | 3.08M | 1.67M | 6.8M | 1.93M | 5.09M | 1.26M | 1.09M | 1.09M | 2.09M | 1M | 0 | 1.09M | 845K | 1.14M | 0 | 762K | 1.05M | 579K | 1.84M |
| Deferred Taxes | 3.11M | 2.14M | 467K | 1.43M | 3.14M | 950K | 425K | 1.83M | 390K | 946K | 354K | 1.58M | -1K | 140K | 109K | -2.06M | 713K | 589K | 537K | -989K |
| Other Non-Cash Items | 44.16M | 58.72M | 43.68M | 66.68M | 19.4M | 76.08M | 72.95M | 66.78M | 15.76M | 41.6M | 64.1M | 74.54M | 57.76M | 44.94M | 63.83M | 74.36M | 70.67M | 40.33M | 48.19M | 21.67M |
| Working Capital Changes | 0 | 10.98M | -9.66M | 7.62M | 3.59M | 517K | -13.05M | 8.71M | -3.21M | 2.5M | 703K | 1.58M | -2.47M | 5.61M | -6.76M | 413K | -5.46M | 3.23M | -7.51M | 4.71M |
| Change in Receivables | 0 | -328K | -4.62M | 6.47M | 766K | -1.17M | -3.74M | 4.33M | 76K | -1.91M | 3.23M | -660K | -2.71M | -935K | 2.14M | -2.51M | -2.38M | -2.21M | -44K | -1.41M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.38M | 0 | 0 | 0 |
| Change in Payables | -355K | -718K | -929K | -331K | 373K | 771K | 1.08M | -3.77M | 2.25M | -1.58M | -458K | 873K | -490K | 348K | -2.63M | -342K | -3.55M | 3.39M | 741K | 2.48M |
| Cash from Investing | -82.13M | -57.05M | -21.44M | -89.39M | -102.86M | -81.32M | -34.24M | -72.83M | -93.26M | -59.34M | -26.38M | -64.31M | -76.78M | -74.9M | -28.3M | -73.8M | -79.06M | -112.15M | -52.24M | -89.49M |
| Capital Expenditures | 0 | 0 | -5.15M | -4.64M | -5.19M | -4.64M | -4.39M | -4.4M | -3.89M | -2.59M | -2.13M | -2.1M | -2.25M | -2.52M | -2.12M | -3.1M | -3.24M | -3.1M | -3.81M | -3.81M |
| CapEx % of Revenue | - | 3.19% | 3.39% | 2.91% | 3.34% | 3.26% | 3.13% | 3.24% | 2.84% | 2.05% | 1.67% | 1.58% | 1.69% | 2.06% | 1.76% | 2.58% | 2.61% | 2.87% | 3.79% | 3.97% |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -37K | 28.59M | 0 | -8.37M | 0 | 0 | 0 | 0 | 0 | -152K | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Investing | -82.13M | -57.05M | -16.29M | -84.75M | -97.67M | -76.68M | -29.85M | -68.39M | -102.04M | -56.75M | -15.88M | -62.2M | -74.53M | -72.38M | -26.18M | -70.7M | -75.67M | -109.05M | -48.43M | -85.68M |
| Cash from Financing | 45.63M | -43.06M | -62.69M | -14.28M | -5.34M | -26.8M | -47.02M | -7.62M | 9.09M | -25.85M | -33.27M | -10.33M | 5.68M | -7.3M | -15.63M | 1.97M | 2.41M | 51.78M | 5.1M | 47.8M |
| Debt Issued (Net) | 0 | -7.81M | -37.09M | -4.9M | 14.95M | 17.9M | -30.83M | -6.94M | 23.67M | 640K | -33.2M | -10.34M | 9.94M | 222K | -15.57M | 4.38M | 2.75M | 55.56M | 6.73M | 48.15M |
| Equity Issued (Net) | 0 | -1.25M | -9.69M | -8.17M | -7.35M | 0 | 0 | 0 | -1.02M | 0 | 119K | 0 | 0 | 0 | 0 | 0 | -307K | -1.12M | -1.04M | 0 |
| Dividends Paid | 0 | -12.45M | -10.37M | -240K | -10.4M | -43.03M | -11.25M | -341K | -13.46M | -22.59M | -8.37M | 10K | -2.73M | -7.5M | -5K | 6K | -152K | -576K | -587K | -16K |
| Share Repurchases | 0 | -1.25M | -9.95M | -8.16M | -7.35M | 0 | 0 | 0 | -1.02M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -307K | -1.12M | -1.04M | 0 |
| Other Financing | 45.63M | -21.56M | -5.53M | -977K | -2.53M | -1.67M | -4.94M | -337K | -98K | -3.9M | 8.18M | -4K | -1.53M | -13K | -61K | -2.42M | 112K | -2.08M | -12K | -340K |
| Net Change in Cash | 0 | -8.07M | 6.66M | 18.07M | -3.07M | -12.5M | 2.48M | 14.05M | -6.6M | -7.88M | 14.78M | 7.92M | 3.92M | -9.27M | 21.7M | -799K | -7.17M | -2.31M | -2.42M | 5.56M |
| Free Cash Flow | 85.32M | 87.27M | 85.63M | 116.84M | 99.94M | 90.98M | 79.35M | 90.1M | 73.68M | 74.71M | 72.3M | 80.45M | 72.77M | 70.41M | 63.52M | 67.93M | 66.24M | 54.95M | 40.92M | 43.45M |
| FCF Margin % | 57.17% | 60.11% | 56.38% | 73.37% | 64.44% | 63.87% | 56.57% | 66.39% | 53.94% | 59.15% | 56.77% | 60.53% | 54.64% | 57.48% | 52.77% | 56.6% | 53.32% | 50.94% | 40.63% | 45.28% |
| FCF Growth % | -14.63% | -4.08% | 7.92% | 29.67% | 35.64% | 21.77% | 9.75% | 11.99% | 1.25% | 6.11% | 13.82% | 18.43% | 9.85% | 28.13% | 55.25% | 56.36% | 111.83% | 53.08% | -3.4% | -5.77% |
| FCF per Share | 1.00 | 1.01 | 0.99 | 4.41 | 3.76 | 3.42 | 3.35 | 4.20 | 3.64 | 3.80 | 3.76 | 4.45 | 4.27 | 4.44 | 4.18 | 0.81 | 0.79 | 0.65 | 0.48 | 0.51 |
| FCF Conversion (FCF/Net Income) | 2.47x | 6.20x | 3.20x | 7.23x | 2.52x | -4.60x | -7.36x | -16.85x | 18.19x | 25.21x | 13.44x | -14.83x | 34.59x | 34.05x | 261.50x | 22.66x | -121.68x | 16.79x | 41.57x | 4.13x |
| Interest Paid | 0 | 7.23M | 8.16M | 8.1M | 9.88M | 8.94M | 9.19M | 10.39M | 10.59M | 10.45M | 11.14M | 11.45M | 11.31M | 10.84M | 10.13M | 9.79M | 8.1M | 7.46M | 6.74M | 0 |
| Taxes Paid | 0 | 1.83M | 19K | 1.29M | 1.15M | 3.65M | 11K | 14K | 70K | 245K | 146K | 0 | 54K | 9K | 10K | 19K | 9K | 328K | 0 | 0 |