OppFi Inc. (OPFI)
NYSE: OPFI · Real-Time Price · USD
10.11
-0.18 (-1.75%)
Dec 5, 2025, 4:00 PM EST - Market closed
OppFi Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2018 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2018 - 2019 |
| Interest and Dividend Income | 568.31 | 521.23 | 505.43 | 451.45 | 349.03 | 290.23 | Upgrade
|
| Total Interest Expense | 41.01 | 44.71 | 46.75 | 35.16 | 24.26 | 21.23 | Upgrade
|
| Net Interest Income | 527.3 | 476.52 | 458.68 | 416.29 | 324.77 | 269 | Upgrade
|
| Other Revenue | 5.22 | 4.74 | 3.52 | 1.41 | 1.54 | 0.79 | Upgrade
|
| Revenue Before Loan Losses | 532.52 | 481.26 | 462.2 | 417.7 | 326.31 | 269.79 | Upgrade
|
| Provision for Loan Losses | 197.09 | 204.49 | 235.77 | 235.9 | 86.89 | 81.62 | Upgrade
|
| Revenue | 335.42 | 276.77 | 226.43 | 181.8 | 239.42 | 188.17 | Upgrade
|
| Revenue Growth (YoY) | 28.69% | 22.23% | 24.55% | -24.07% | 27.24% | 75.37% | Upgrade
|
| Salaries & Employee Benefits | 60.49 | 60.48 | 60.68 | 59.98 | 65.05 | 44.2 | Upgrade
|
| Cost of Services Provided | 109.26 | 109.16 | 109.65 | 110.55 | 106.84 | 50.56 | Upgrade
|
| Total Operating Expenses | 176.26 | 179.25 | 183.06 | 184.1 | 182.17 | 101.48 | Upgrade
|
| Operating Income | 159.16 | 97.52 | 43.37 | -2.31 | 57.26 | 86.68 | Upgrade
|
| Earnings From Equity Investments | 4.38 | 1.44 | - | - | - | - | Upgrade
|
| EBT Excluding Unusual Items | 129.64 | 91.04 | 38.71 | 7.1 | 83.66 | 86.68 | Upgrade
|
| Restructuring Charges | 1.41 | -2.98 | - | - | - | - | Upgrade
|
| Gain (Loss) on Sale of Investments | - | - | 2.98 | - | - | - | Upgrade
|
| Other Unusual Items | - | - | 0.11 | - | 6.44 | -9.17 | Upgrade
|
| Pretax Income | 130.9 | 88.05 | 41.81 | 3.06 | 90.11 | 77.52 | Upgrade
|
| Income Tax Expense | 9.12 | 4.22 | 2.33 | -0.28 | 0.31 | - | Upgrade
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| Earnings From Continuing Ops. | 121.78 | 83.84 | 39.48 | 3.34 | 89.8 | 77.52 | Upgrade
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| Minority Interest in Earnings | -117.9 | -76.58 | -40.48 | 3.76 | -64.24 | - | Upgrade
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| Net Income | 3.87 | 7.26 | -1.01 | 7.1 | 25.55 | 77.52 | Upgrade
|
| Net Income to Common | 3.87 | 7.26 | -1.01 | 7.1 | 25.55 | 77.52 | Upgrade
|
| Net Income Growth | -46.93% | - | - | -72.22% | -67.03% | 134.93% | Upgrade
|
| Shares Outstanding (Basic) | 25 | 20 | 16 | 14 | 13 | - | Upgrade
|
| Shares Outstanding (Diluted) | 25 | 20 | 16 | 84 | 84 | - | Upgrade
|
| Shares Change (YoY) | 26.83% | 22.91% | -80.55% | -0.26% | - | - | Upgrade
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| EPS (Basic) | 0.16 | 0.36 | -0.06 | 0.51 | 1.93 | - | Upgrade
|
| EPS (Diluted) | 0.14 | 0.36 | -0.06 | 0.05 | 0.48 | - | Upgrade
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| EPS Growth | -63.71% | - | - | -89.41% | - | - | Upgrade
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| Free Cash Flow | 360.37 | 310.8 | 287.16 | 230.05 | 152.97 | 181.39 | Upgrade
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| Free Cash Flow Per Share | 14.42 | 15.43 | 17.52 | 2.73 | 1.81 | - | Upgrade
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| Operating Margin | 47.45% | 35.23% | 19.16% | -1.27% | 23.91% | 46.07% | Upgrade
|
| Profit Margin | 1.16% | 2.62% | -0.44% | 3.90% | 10.67% | 41.20% | Upgrade
|
| Free Cash Flow Margin | 107.44% | 112.29% | 126.82% | 126.54% | 63.89% | 96.40% | Upgrade
|
| Effective Tax Rate | 6.97% | 4.79% | 5.58% | - | 0.34% | - | Upgrade
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| Revenue as Reported | 573.52 | 525.96 | 508.95 | 452.86 | 350.57 | 200.23 | Upgrade
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Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.