OppFi Inc. (OPFI) Quarterly Income Statement

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OppFi Inc. (OPFI) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

OPFI Income Statement

OppFi Inc. (OPFI) annual income statement — 7-year revenue, gross profit & net income history

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

Sales/Revenue	149.23M	145.17M	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
Revenue Growth %	-3.78%	1.91%	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%
Cost of Goods Sold	9.5M	24.42M	22.76M	24.05M	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
COGS % of Revenue	6.37%	16.82%	14.99%	15.1%	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%
Gross Profit	139.73M	120.75M	129.12M	135.2M	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
Gross Margin %	93.63%	83.18%	85.01%	84.9%	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%
Gross Profit Growth %	7.08%	4.96%	11.08%	22.63%	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%
Operating Expenses	91.19M	37.4M	29.17M	30.58M	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
OpEx % of Revenue	61.1%	25.76%	19.21%	19.2%	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%
Selling, General & Admin	25.79M	30.73M	23.59M	25.14M	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
SG&A % of Revenue	17.28%	21.17%	15.53%	15.79%	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%
Research & Development	0	0	0	0	0	0	0	0	0	5.36M	0	5.76M	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	1000K	1000K	46K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Operating Income	48.55M	83.35M	99.94M	104.61M	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
Operating Margin %	32.53%	57.42%	65.8%	65.69%	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%
Operating Income Growth %	0.21%	86.02%	135.21%	324%	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%
EBITDA	50.49M	84.86M	100.54M	105.38M	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
EBITDA Margin %	33.83%	58.46%	66.19%	66.17%	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%
EBITDA Growth %	1.84%	83.25%	127.19%	293.22%	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%
D&A (Non-Cash Add-back)	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
EBIT	49.41M	83.35M	99.94M	104.61M	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
Net Interest Income	140.57M	0	0	0	145.01M	0	-10.25M	11.43M	-44.79M	-45.83M	-11.43M	34.68M	0	0	-11.37M	0	0	0	0	0
Interest Income	149.23M	0	0	0	155.09M	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Expense	8.66M	0	0	0	10.08M	0	10.25M	80.19M	44.79M	45.83M	11.43M	13.94M	0	0	11.37M	0	0	0	0	0
Other Income/Expense	-7.8M	-57.9M	-41.94M	-64.81M	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
Pretax Income	40.75M	25.46M	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
Pretax Margin %	27.3%	17.54%	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%
Income Tax	6.27M	9.84M	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
Effective Tax Rate %	15.38%	38.67%	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%
Net Income	34.48M	14.84M	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
Net Margin %	23.1%	10.22%	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%
Net Income Growth %	-17.19%	171.42%	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%
Net Income (Continuing)	34.48M	15.61M	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
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	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
EPS (Diluted)	0.40	0.18	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
EPS Growth %	-48.05%	123.08%	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%
EPS (Basic)	0.41	0.22	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
Diluted Shares Outstanding	85.57M	86.04M	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
Basic Shares Outstanding	85.07M	67.51M	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
Dividend Payout Ratio	-	83.86%	36.51%	1.42%	24.97%	-	-	-	196.34%	736.89%	151.2%	-	125.86%	350.37%	1.99%	0.19%	-	16.66%	54.55%	0.14%