OppFi Inc. (OPFI) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q3'21 | Q2'21 |
|---|
| Sales/Revenue | 151.88M | 159.25M | 155.09M | 142.44M | 140.27M | 135.72M | 136.59M | 126.3M | 127.34M | 132.92M | 133.16M | 122.49M | 120.37M | 120.03M | 124.24M | 107.88M | 100.71M | 95.96M | 91.98M | 78.38M |
| Revenue Growth % | 8.28% | 17.33% | 13.54% | 12.78% | 10.15% | 2.11% | 2.57% | 3.12% | 5.79% | 10.74% | 7.18% | 13.54% | 19.53% | 25.09% | 35.08% | 37.64% | 19.53% | 3.94% | 46.56% | 75.21% |
| Cost of Goods Sold | 6.17M | -46.67M | 24.59M | 27.39M | 24.02M | 25.48M | 25.09M | 27.19M | 27.43M | 64.98M | 26.84M | 27.36M | 25.89M | 13.23M | 14.6M | 15.31M | 16.83M | 18.76M | 17.33M | 14.69M |
| COGS % of Revenue | 4.06% | -29.31% | 15.86% | 19.23% | 17.13% | 18.77% | 18.37% | 21.53% | 21.54% | 48.88% | 20.15% | 22.33% | 21.51% | 11.02% | 11.75% | 14.2% | 16.71% | 19.55% | 18.84% | 18.75% |
| Gross Profit | 145.71M | 205.92M | 130.5M | 115.05M | 116.24M | 110.25M | 111.5M | 99.11M | 99.92M | 67.94M | 106.33M | 95.13M | 94.48M | 106.8M | 109.64M | 92.56M | 83.88M | 77.2M | 74.65M | 63.68M |
| Gross Margin % | 95.94% | 129.31% | 84.14% | 80.77% | 82.87% | 81.23% | 81.63% | 78.47% | 78.46% | 51.12% | 79.85% | 77.67% | 78.49% | 88.98% | 88.25% | 85.8% | 83.29% | 80.45% | 81.16% | 81.25% |
| Gross Profit Growth % | 25.35% | 86.78% | 17.03% | 16.08% | 16.34% | 62.26% | 4.87% | 4.19% | 5.75% | -36.38% | -3.03% | 2.78% | 12.64% | 38.34% | 46.88% | 45.35% | 19.85% | 4.22% | 38.69% | 42.36% |
| Operating Expenses | 80.55M | 148.42M | 82.05M | 70.24M | 73.75M | 85.57M | 76.41M | 69.63M | 94.63M | 26.96M | 90.75M | 76.8M | 90.75M | 116.42M | 110.61M | 86.16M | 86.04M | 73.83M | 63.14M | 45.7M |
| OpEx % of Revenue | 53.03% | 93.2% | 52.91% | 49.31% | 52.58% | 63.05% | 55.94% | 55.13% | 74.31% | 20.28% | 68.15% | 62.7% | 75.39% | 96.99% | 89.03% | 79.87% | 85.43% | 76.94% | 68.65% | 58.3% |
| Selling, General & Admin | 22.72M | 21.01M | 25.54M | 21.64M | 19.39M | 23.77M | 23.88M | 22.51M | 19.71M | 21.16M | 24M | 23.04M | 18.47M | 20.99M | 20.38M | 26.47M | 20.17M | 24.95M | 30.23M | 21.45M |
| SG&A % of Revenue | 14.96% | 13.2% | 16.47% | 15.19% | 13.82% | 17.51% | 17.48% | 17.82% | 15.48% | 15.92% | 18.02% | 18.81% | 15.34% | 17.49% | 16.4% | 24.53% | 20.03% | 26% | 32.87% | 27.37% |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.36M | 0 | 5.76M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | 4.25% | - | 4.33% | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 46K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Operating Income | 65.17M | 57.5M | 48.45M | 44.81M | 42.49M | 24.67M | 35.09M | 29.49M | 5.28M | 8.71M | 15.58M | 18.33M | 3.73M | -9.61M | -969K | 6.4M | -2.16M | 3.37M | 11.51M | 17.99M |
| Operating Margin % | 42.91% | 36.11% | 31.24% | 31.46% | 30.29% | 18.18% | 25.69% | 23.35% | 4.15% | 6.55% | 11.7% | 14.97% | 3.1% | -8.01% | -0.78% | 5.93% | -2.15% | 3.52% | 12.52% | 22.95% |
| Operating Income Growth % | 53.36% | 133.06% | 38.05% | 51.96% | 704.16% | 183.27% | 125.22% | 60.83% | 41.66% | 190.6% | 1707.95% | 186.38% | 272.61% | -384.94% | -108.42% | -64.41% | -108.86% | -79.12% | -40.48% | -28.59% |
| EBITDA | 65.76M | 58.27M | 49.58M | 46.31M | 44.25M | 26.8M | 37.37M | 31.98M | 8.01M | 11.62M | 18.7M | 21.65M | 7.12M | -6.09M | 2.48M | 9.77M | 1.08M | 6.37M | 14.22M | 20.4M |
| EBITDA Margin % | 43.3% | 36.59% | 31.97% | 32.51% | 31.55% | 19.75% | 27.36% | 25.32% | 6.29% | 8.74% | 14.04% | 17.68% | 5.92% | -5.07% | 2% | 9.05% | 1.07% | 6.64% | 15.46% | 26.03% |
| EBITDA Growth % | 48.6% | 117.43% | 32.66% | 44.82% | 452.53% | 130.67% | 99.85% | 47.69% | 12.47% | 290.8% | 653.12% | 121.65% | 561.19% | -195.63% | -82.54% | -52.12% | -95.94% | -64.85% | -32.72% | -19.01% |
| D&A (Non-Cash Add-back) | 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 | 2.71M | 2.41M |
| EBIT | 66.52M | -82.43M | 98.98M | 87M | 91.95M | 79.57M | 80.52M | 69.51M | 69.39M | 14.97M | 72.88M | 62.38M | 67M | 2.76M | 8.87M | 17.14M | 7.08M | 22.91M | 36.94M | 23.73M |
| Net Interest Income | 143.37M | 149.85M | 145.01M | 0 | -10.25M | 11.43M | -44.79M | -45.83M | -11.43M | 34.68M | 0 | 0 | -11.37M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 151.88M | 159.25M | 155.09M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 8.51M | 9.4M | 10.08M | 0 | 10.25M | 80.19M | 44.79M | 45.83M | 11.43M | 13.94M | 0 | 0 | 11.37M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | -7.16M | -17.7M | 33.13M | -32.1M | -20.45M | -10.1M | -738K | -897K | 5.25M | -5.74M | 414K | 430K | 346K | 2.38M | 1.32M | 3.3M | 2.4M | 13.27M | 19.58M | 0 |
| Pretax Income | 58.01M | 39.81M | 81.58M | 12.7M | 22.04M | 14.57M | 34.35M | 28.59M | 10.54M | 2.98M | 15.99M | 18.76M | 4.08M | -7.23M | 354K | 9.7M | 243K | 16.64M | 31.09M | 17.99M |
| Pretax Margin % | 38.19% | 25% | 52.6% | 8.92% | 15.71% | 10.74% | 25.15% | 22.64% | 8.27% | 2.24% | 12.01% | 15.32% | 3.39% | -6.03% | 0.28% | 8.99% | 0.24% | 17.34% | 33.81% | 22.95% |
| Income Tax | 3.97M | 1.36M | 5.65M | 1.22M | 1.65M | 600K | 2.3M | 914K | 404K | 1.03M | 463K | 688K | 146K | -2.03M | 1.01M | 202K | 540K | -392K | 703K | 0 |
| Effective Tax Rate % | 6.85% | 3.42% | 6.92% | 9.63% | 7.49% | 4.12% | 6.69% | 3.2% | 3.83% | 34.76% | 2.89% | 3.67% | 3.58% | 28.12% | 286.72% | 2.08% | 222.22% | -2.36% | 2.26% | 0% |
| Net Income | 28.4M | 16.85M | 41.63M | -20.78M | -11.37M | -5.61M | 4.26M | 3.07M | 5.54M | -5.57M | 2.17M | 2.14M | 251K | 3.13M | -571K | 3.46M | 1.08M | 11.43M | 14.13M | 17.99M |
| Net Margin % | 18.7% | 10.58% | 26.85% | -14.59% | -8.11% | -4.13% | 3.12% | 2.43% | 4.35% | -4.19% | 1.63% | 1.75% | 0.21% | 2.61% | -0.46% | 3.21% | 1.07% | 11.91% | 15.36% | 22.95% |
| Net Income Growth % | 349.75% | 400.34% | 876.43% | -777.76% | -305.38% | -0.75% | 96.59% | 43.14% | 2105.98% | -277.58% | 479.86% | -38.06% | -76.67% | -72.57% | -104.04% | -80.77% | -95.59% | -29.27% | -26.97% | -28.39% |
| Net Income (Continuing) | 54.04M | 38.44M | 75.93M | 11.48M | 20.39M | 13.97M | 32.06M | 27.68M | 10.13M | 1.94M | 15.53M | 18.08M | 3.93M | -5.2M | -661K | 9.5M | -297K | 17.03M | 30.39M | 17.99M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 267.33M | 250.39M | 227.83M | 204.35M | 214.21M | 201.44M | 185.42M | 183.06M | 179.12M | 183.59M | 178.42M | 169.54M | 162.69M | 159.64M | 168.69M | 169.47M | 165.34M | 166.92M | 161.59M | 0 |
| EPS (Diluted) | 0.56 | 0.19 | 0.77 | -0.78 | -0.48 | -0.28 | 0.21 | 0.16 | 0.10 | -0.31 | 0.13 | 0.14 | 0.02 | -0.04 | -0.04 | 0.10 | 0.00 | 0.19 | 0.29 | 1.39 |
| EPS Growth % | 216.67% | 167.86% | 266.67% | -587.5% | -580% | 9.68% | 61.54% | 14.29% | 400% | -675% | 425% | 40% | - | -121.05% | -113.79% | -92.81% | -99.98% | -84.8% | -80.54% | - |
| EPS (Basic) | 1.06 | 0.61 | 1.48 | -0.78 | -0.48 | -0.26 | 0.21 | 0.16 | 0.29 | -0.31 | 0.13 | 0.14 | 0.02 | 0.22 | -0.04 | 0.26 | 0.08 | 0.85 | 1.06 | 1.39 |
| Diluted Shares Outstanding | 86.2M | 26.51M | 26.61M | 26.61M | 23.69M | 21.44M | 20.25M | 19.68M | 19.21M | 18.09M | 17.06M | 15.87M | 15.19M | 84.19M | 84.24M | 84.28M | 84.47M | 84.5M | 84.46M | 12.98M |
| Basic Shares Outstanding | 26.78M | 26.51M | 26.61M | 26.61M | 23.69M | 21.44M | 20.25M | 19.68M | 19.21M | 18.09M | 16.77M | 15.63M | 15.04M | 14.57M | 13.97M | 13.53M | 13.58M | 13.55M | 13.36M | 12.98M |
| Dividend Payout Ratio | - | 1.42% | 24.97% | - | - | - | 196.34% | 736.89% | 151.2% | - | 125.86% | 350.37% | 1.99% | 0.19% | - | 16.66% | 54.55% | 0.14% | 120.21% | 184.17% |