OppFi Inc.
OPFI Financial Credit Services
OppFi Inc.’s revenue for fiscal 2025 (year ended December 2025) was $381.2 million, up 18.6% from fiscal 2024. In the quarter to June 2026, revenue fell 14.0%, EPS grew 128.2%, free cash flow fell 3.92% and total debt fell 9.63%, each against the same quarter a year earlier. Revenue growth for three consecutive years, operating cash flow growth for three; insiders bought in the last twelve months.
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An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | |
|---|---|---|---|---|---|---|---|
Revenue |
381.18 | 321.48 | 273.18 | 216.96 | 263.68 | 200.23 | 114.87 |
Revenue Growth |
18.57% | 17.68% | 25.91% | (17.72%) | 31.69% | 74.31% | (42.63%) |
Cost of Revenue |
50.89 | 49.21 | 50.56 | 58.29 | 52.46 | 18.64 | 11.35 |
Gross Profit |
330.29 | 272.27 | 222.62 | 158.67 | 211.22 | 181.58 | 103.52 |
SG&A Expenses |
77.29 | 75.53 | 74.32 | 71.84 | 78.91 | 54.00 | 31.56 |
Operating Income |
166.68 | 94.54 | 46.36 | (6.34) | 57.26 | 77.52 | 33.00 |
Interest Expense (Operating) |
39.37 | 44.71 | 46.75 | 35.16 | 24.26 | 21.23 | 22.44 |
Non-operating Income/Expense |
(10.55) | (6.48) | (4.54) | 9.41 | 32.85 | 7.85 | — |
| 156.13 | 88.05 | 41.81 | 3.06 | 90.11 | 77.52 | 33.00 | |
Income Tax Provision |
9.89 | 4.22 | 2.33 | (0.28) | 0.31 | 0.00 | 0.00 |
Income after Tax |
146.25 | 83.84 | 39.48 | 3.34 | 89.80 | 77.52 | 33.00 |
Dividends (Preferred) |
0.00 | 0.00 | 0.00 | 0.00 | — | 0.00 | — |
Non-Controlling Interest |
119.92 | 76.58 | 40.48 | (3.76) | 64.24 | — | — |
Net Income Common |
26.33 | 7.26 | (1.00) | 7.10 | 25.55 | 77.52 | 33.00 |
EPS (Basic) |
0.99 | 0.36 | (0.06) | 0.51 | 1.93 | (0.01) | — |
EPS (Diluted) |
0.99 | 0.36 | (0.06) | 0.05 | 1.93 | 0.61 | — |
Shares (Basic, Weighted) |
26.51 | 20.15 | 16.39 | 13.91 | 13.22 | 127.29 | — |
Shares (Diluted, Weighted) |
26.51 | 20.15 | 16.39 | 84.26 | 84.47 | 127.29 | — |
Gross Margin |
86.65% | 84.69% | 81.49% | 73.13% | 80.10% | 90.69% | 90.12% |
EBIT Margin |
54.05% | 43.31% | 34.08% | 13.28% | 30.91% | 49.32% | 48.26% |
EBT margin |
40.96% | 27.39% | 15.30% | 1.41% | 34.17% | 38.71% | 28.72% |
Net Profit Margin |
6.91% | 2.26% | (0.37%) | 3.27% | 9.69% | 38.71% | 28.72% |
Free Cash Flow Margin |
100.26% | 96.68% | 105.11% | 106.03% | 58.01% | 90.59% | 123.86% |
EBITDA |
214.53 | 151.27 | 108.27 | 45.24 | 94.11 | 107.42 | 61.50 |
EBIT |
206.05 | 139.24 | 93.11 | 28.82 | 81.51 | 98.74 | 55.43 |
Income from Continuous Operations |
146.25 | 83.84 | 39.48 | 3.34 | 89.80 | 77.52 | 33.00 |
Consolidated Net Income/Loss |
146.25 | 83.84 | 39.48 | 3.34 | 89.80 | 77.52 | 33.00 |
EPS (Basic, from Continuous Ops) |
5.52 | 4.16 | 2.41 | 0.24 | 6.79 | (1.15) | — |
EPS (Basic, Consolidated) |
5.52 | 4.16 | 2.41 | 0.24 | 6.79 | (1.15) | — |
EPS (Diluted, from Cont. Ops) |
5.52 | 4.16 | 2.41 | 0.04 | 1.06 | (1.15) | — |
Shares (Diluted, Average) |
26.51 | 20.15 | 16.39 | 84.26 | 13.23 | — | — |
EPS (Diluted, Consolidated) |
5.52 | 4.16 | 2.41 | 0.04 | 1.06 | (1.15) | — |
EBITDA Margin |
56.28% | 47.06% | 39.63% | 20.85% | 35.69% | 53.65% | 53.54% |
Operating Cash Flow Margin |
105.28% | 100.72% | 108.41% | 112.14% | 63.47% | 95.95% | 129.64% |