OppFi Inc. (OPFI)
OppFi Inc. provides a financial technology platform that enables banks to extend various lending solutions. This platform notably features several distinct financial instruments: the OppLoan, a standard installment loan; SalaryTap, an installment loan secured via payroll deduction; and the OppFi Card, a dedicated credit card. OppFi's headquarters are situated in Chicago, Illinois.
Sector: Finance Services
Industry: Financial - Credit Services
OppFi Inc.
NYSE:OPFITechnology · Software - Application
-6.23%$5.42
AH Close$5.42+0.00%vs close
AH Close$5.42+0.00%vs close
Mkt Cap$461.83M
Float77.01M
O/S85.21M
Inst Own28.4%
SI5.6%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$597.05M
Net Income$26.33M
Total Assets$754.09M
Free Cash Flow$382.19M
Debt & Equity
Debt 85%
Equity 15%
Total Debt$332.78M
Total Equity$58.48M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in OPFI's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$754.09M
Liabilities$445.21M
Accounts Receivable$546.24M
Accounts Payable$2.77M
Inventory$0
PP&E (Net)$36.46M
Goodwill$0
Intangible Assets$0
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Revenue | $597.05M | $525.96M | $508.95M | $452.86M | $350.57M | $291.01M | $107.3M | $54.38M |
| YoY Growth | 13.5% | 3.3% | 12.4% | 29.2% | 20.5% | 171.2% | 97.3% | - |
| Cost of Revenue | $100.06M | $105.18M | $107.43M | $95.14M | $89.17M | $44.2M | $0 | $0 |
| Gross Profit | $496.99M | $420.78M | $401.52M | $357.72M | $261.4M | $246.82M | $107.3M | $54.38M |
| Gross Margin | 83.2% | 80.0% | 78.9% | 79.0% | 74.6% | 84.8% | 100.0% | 100.0% |
| Research and Development | $0 | $21.17M | $0 | $0 | $0 | $0 | $8.38M | $4.9M |
| Selling, General, and Administrative | $91.71M | $89.86M | $86.66M | $87.54M | $88.94M | $38.11M | $29.34M | $31.2M |
| Other | $22.73M | $215.21M | $268.5M | $276.52M | $115.2M | $131.19M | $36.59M | $0 |
| Total Operating Expenses | $114.44M | $326.24M | $355.16M | $364.06M | $204.14M | $169.3M | $74.3M | $44.65M |
| Operating Income (EBIT) | $382.55M | $94.54M | $46.35M | -$6.34M | $57.26M | $77.52M | $32.99M | $20.76M |
| Operating Margin | 64.1% | 18.0% | 9.1% | -1.4% | 16.3% | 26.6% | 30.8% | 38.2% |
| Interest Expense | $0 | $182.23M | $46.75M | $35.16M | $137K | $19.28M | $0 | $0 |
| Interest Income | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Income (Expense) | -$226.41M | -$6.48M | -$4.54M | $9.4M | $32.85M | $0 | $0 | -$11.03M |
| Income Before Tax (EBT) | $156.13M | $88.05M | $41.81M | $3.06M | $90.11M | $77.52M | $32.99M | $9.73M |
| Income Tax Expense | $9.88M | $4.21M | $2.33M | -$277K | $311K | $0 | $0 | $0 |
| Net Income | $26.33M | $7.26M | -$1M | $7.1M | $25.55M | $77.52M | $32.99M | $9.73M |
| Net Income Margin | 4.4% | 1.4% | -0.2% | 1.6% | 7.3% | 26.6% | 30.8% | 17.9% |
| Supplementary Data | ||||||||
| EPS | 0.99 | 0.36 | -0.06 | 0.51 | 1.93 | 5.97 | 2.54 | - |
| Diluted EPS | 0.99 | 0.36 | -0.06 | 0.05 | 0.48 | 5.97 | 2.54 | - |
| Weighted Average OS | 26.51M | 20.15M | 16.39M | 13.91M | 13.22M | 12.98M | 12.98M | 0 |
| EBITDA | $387.7M | $308.6M | $290.51M | $244.77M | $100.53M | $103.53M | $4.28M | $2.42M |
| EBITDA Margin | 64.9% | 58.7% | 57.1% | 54.0% | 28.7% | 35.6% | 4.0% | 4.5% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Assets | |||||||
| Current Assets | |||||||
| Cash and Cash Equivalents | $49.45M | $61.34M | $31.79M | $16.24M | $25.06M | $25.6M | $16.79M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Cash and Short-Term Investments | $49.45M | $61.34M | $31.79M | $16.24M | $25.06M | $25.6M | $16.79M |
| Accounts Receivable | $546.24M | $475.73M | $465.33M | $459.94M | $388.11M | $222.24M | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $43.81M | $26.94M | $42.15M | $33.98M | $37.3M | $20.06M | $0 |
| Total Current Assets | $639.5M | $564.02M | $539.28M | $510.16M | $450.47M | $267.9M | $16.79M |
| Long-Term Assets | |||||||
| Property, Plant & Equipment Net | $36.46M | $24.26M | $22.47M | $27.63M | $14.64M | $10.56M | $6.57M |
| Goodwill | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Intangible Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $19.08M | $19.19M | $1.9M | $0 | $0 | $0 | $0 |
| Deferred Tax Assets | $32.65M | $21.34M | $25.78M | $26.76M | $25.59M | $0 | $0 |
| Other Long-Term Assets | $26.41M | $12.36M | $12.11M | $15.3M | $11.4M | $7.38M | $263.27M |
| Total Long-Term Assets | $114.59M | $77.15M | $62.27M | $69.68M | $51.63M | $17.94M | $269.84M |
| Other Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $754.09M | $641.17M | $601.54M | $579.84M | $502.11M | $285.84M | $286.63M |
| Liabilities | |||||||
| Current Liabilities | |||||||
| Accounts Payable | $2.77M | $879K | $4.44M | $6.34M | $6.1M | $1.38M | $0 |
| Short-Term Debt | $0 | $0 | $0 | $0 | $22.44M | $16.02M | $0 |
| Current Income Tax Payable | $0 | $26.51M | $25.02M | $25.63M | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $0 | $0 | $0 | $0 | $2.51M | $6.37M | $15.35M |
| Total Current Liabilities | $85.98M | $59.8M | $51.47M | $55.18M | $58.14M | $44.43M | $15.35M |
| Long-Term Liabilities | |||||||
| Long-Term Debt | $321.35M | $318.76M | $334.12M | $347.06M | $251.58M | $142.08M | $223.9M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $26.45M | $15.11M | $6.86M | $1.89M | $34.51M | $0 | $9.93M |
| Total Long-Term Liabilities | $359.23M | $347.16M | $356.04M | $365.51M | $286.09M | $142.08M | $233.83M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $445.21M | $406.96M | $407.51M | $420.69M | $344.23M | $186.51M | $249.18M |
| Stockholders' Equity | |||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $6.66M | $6.66M |
| Common Stock | $9K | $9K | $11K | $11K | $11K | $217.18M | $0 |
| Retained Earnings | -$33.51M | -$55.13M | -$63.59M | -$63.55M | -$70.72M | $92.32M | $30.58M |
| Comprehensive Income & Other | $0 | $0 | $0 | $0 | $0 | -$217.18M | $0 |
| Other Stockholders' Equity | $91.98M | $87.89M | $74.02M | $63.04M | $61.67M | -$210.16M | $6.87M |
| Total Equity | $58.48M | $32.77M | $10.44M | -$494K | -$9.04M | $99.33M | $37.45M |
| Minority Interest | $250.39M | $201.44M | $183.59M | $159.64M | $166.92M | $0 | $0 |
| Total Liabilities and Equity | $503.7M | $439.73M | $417.95M | $420.19M | $335.19M | $285.84M | $286.63M |
| Supplementary Data | |||||||
| Total Debt | $332.78M | $332.05M | $349.18M | $363.62M | $274.02M | $158.1M | $223.9M |
| Net Debt | $283.33M | $270.71M | $317.39M | $347.38M | $248.96M | $132.5M | $207.11M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Operating Activities | ||||||||
| Net Income | $146.25M | $83.84M | -$1M | $3.34M | $89.8M | $77.52M | $32.99M | $9.73M |
| Depreciation & Amortization | $5.16M | $9.62M | $12.73M | $13.58M | $10.28M | $6.73M | $4.28M | $2.42M |
| Deferred Income Tax | $4.9M | $3.52M | $1.83M | -$589K | -$248K | $0 | $114.25M | $0 |
| Stock-Based Compensation | $9.99M | $5.27M | $4.1M | $3.4M | $3.01M | $144K | $66K | $0 |
| Changes in Working Capital: | ||||||||
| Accounts Receivable | $2.32M | -$417K | -$2.16M | -$2M | -$2.75M | $5.89M | -$5.06M | -$4.11M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $5.06M | $0 |
| Accounts Payable | $1.89M | -$3.56M | -$1.9M | $238K | $3.44M | -$3.37M | $1.14M | $0 |
| Other Working Capital | -$5.53M | $10.79M | $2.02M | -$7.58M | $3.25M | $12.47M | -$5.61M | -$4.32M |
| Total Working Capital Change | -$1.32M | $6.81M | -$2.04M | -$9.35M | $3.94M | $14.99M | -$4.46M | -$8.44M |
| Other Non-Cash Items | $236.33M | $214.75M | $280.53M | $232.91M | $60.56M | $92.73M | $1.78M | $59.32M |
| Net Cash from Operating | $401.31M | $323.81M | $296.15M | $243.3M | $167.35M | $192.11M | $148.92M | $63.03M |
| Investing Activities | ||||||||
| Capital Expenditures | -$19.11M | -$13.01M | -$8.99M | -$13.25M | -$14.37M | -$10.72M | -$6.64M | -$4.1M |
| Acquisitions | $0 | $0 | $0 | -$1.31M | $0 | $0 | $0 | $0 |
| Purchases of Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Sales of Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Investing Activities | -$288.69M | -$230.43M | -$235.3M | -$302.69M | -$185.1M | -$87.59M | -$207.51M | -$119.51M |
| Net Cash from Investing | -$307.8M | -$243.44M | -$244.29M | -$317.24M | -$199.47M | -$98.31M | -$214.15M | -$123.61M |
| Financing Activities | ||||||||
| Debt Repaid | $2.88M | $14.38M | $15.75M | -$69.42M | -$123.36M | $65.97M | - | - |
| Common Stock Issuance | $424K | $0 | $387K | $0 | $0 | $0 | $0 | $0 |
| Common Stock Repurchases | -$15.52M | -$3.55M | $0 | -$2.46M | $0 | $0 | $0 | $0 |
| Dividends Paid | -$64.91M | -$2.37M | -$10.23M | -$1.31M | -$51.02M | -$15.78M | -$9.48M | -$2.35M |
| Other Financing Activities | -$5.64M | -$44.26M | -$1.99M | -$4.4M | -$23.51M | -$2.37M | $87.5M | $75.17M |
| Net Cash from Financing | -$88.53M | -$66.02M | -$27.58M | $61.26M | $48.83M | -$84.12M | $78.01M | $72.83M |
| Forex Effect | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | $4.97M | $14.35M | $24.27M | -$12.69M | $16.7M | $9.68M | $12.78M | $12.25M |
| Supplementary Data | ||||||||
| Operating Cash Flow | $401.31M | $323.81M | $296.15M | $243.3M | $167.35M | $192.11M | $148.92M | $63.03M |
| Capital Expenditure | -$19.11M | -$13.01M | -$8.99M | -$13.25M | -$14.37M | -$10.72M | -$6.64M | -$4.1M |
| Free Cash Flow | $382.19M | $310.8M | $287.15M | $230.05M | $152.97M | $181.39M | $142.28M | $58.93M |
| Cash at Beginning | $88.29M | $73.94M | $49.67M | $62.36M | $45.66M | $35.98M | $23.2M | $10.95M |
| Cash at End | $93.26M | $88.29M | $73.94M | $49.67M | $62.36M | $45.66M | $35.98M | $23.2M |