OppFi financials
$6.08−0.65%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 |
|---|---|---|---|---|---|
| Revenue | $381.2M | $321.5M | $273.2M | $451.4M | $349.0M |
| Gross profit | $381.2M | $321.5M | $273.2M | $451.4M | $348.1M |
| Gross margin | 100.0% | 100.0% | 100.0% | 100.0% | 99.7% |
| Operating income | $206.0M | $139.2M | $90.1M | $29.3M | $80.0M |
| Net income | $26.3M | $7.3M | -$1.0M | $7.1M | $25.6M |
| Net margin | 6.9% | 2.3% | −0.4% | 1.6% | 7.3% |
| Diluted EPS | $0.99 | $0.36 | $-0.06 | $0.05 | $0.48 |
| EBITDA | $209.8M | $151.8M | $102.9M | $46.5M | $90.3M |
| Operating cash flow | $401.3M | $323.8M | $296.1M | $243.3M | $167.3M |
| Free cash flow | $382.2M | $310.8M | $287.2M | $230.0M | $153.0M |
| Diluted shares | 26.5M | 20.1M | 16.4M | 84.3M | 84.5M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|
| Cash & equivalents | $49.5M | $61.3M | $31.8M | $16.2M | $25.1M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | — |
| Total debt | $321.4M | $318.8M | $334.1M | $347.1M | $274.0M |
| Total assets | $754.1M | $641.2M | $601.5M | $579.8M | $502.1M |
| Total liabilities | $445.2M | $407.0M | $407.5M | $418.8M | $333.0M |
| Shareholders' equity | $308.9M | $234.2M | $194.0M | $161.0M | $169.1M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology