Friday 6 November 2026 Export OPFI’s income statement to Excel — free account

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.

Revenue: −11.3%
EPS: −72.3%
Free cash flow: −18.4%
Total debt: +8.97%

Quarter to September 2026, against a year earlier

6.21 0.06 −0.96%

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Market cap: $534.3M
P/E: 2.7×
Fwd P/E: 3.3×
Dividend yield: 0.00%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

	Dec '17	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
Piotroski F-Score Full definition →	—	—	—	—	4	6	8	8
P/E ratio Full definition →	—	0.00	0.00	2.59	3.88	0.00	19.15	12.60
P/S ratio Full definition →	—	0.00	0.00	0.23	0.13	0.28	0.48	0.76
P/FCF ratio Full definition →	—	0.00	0.00	0.39	0.12	0.27	0.50	0.75
P/Operating CF Full definition →	—	8.74	(9.02)	1.27	0.40	0.94	1.63	2.46
P/B ratio Full definition →	—	43,233.76	5.83	0.38	0.18	0.40	0.66	0.93
Price to Tangible BV Full definition →	—	43,233.76	5.83	0.38	0.18	0.40	0.66	0.93
EV/Sales Full definition →	—	0.00	0.00	0.95	1.49	1.23	1.20	1.33
EV/EBITDA Full definition →	—	0.00	0.00	2.65	7.14	3.10	2.54	2.36
EV/Operating CF Full definition →	—	0.00	0.00	1.49	1.33	1.13	1.19	1.26
EV/FCF Full definition →	—	0.00	0.00	1.63	1.40	1.17	1.24	1.32
Quick Ratio Full definition →	—	—	1.56	1.45	1.35	1.50	1.60	1.74
Current Ratio Full definition →	—	—	1.57	1.46	1.36	1.51	1.61	1.75
Net Debt/EBITDA Full definition →	—	0.00	0.90	2.01	6.52	2.39	1.52	1.06
Debt/Assets Full definition →	0.00%	0.00%	49.71%	50.10%	59.45%	55.30%	49.71%	42.61%
Debt/Equity Full definition →	—	0.00	1.43	1.59	2.17	1.71	1.36	1.04
Asset Turnover Full definition →	—	0.00	1.40	0.67	0.40	0.46	0.52	0.55
Operating CF/Net income Full definition →	—	4.51	2.48	6.55	34.28	(294.67)	44.61	15.24
Capex/Depreciation Full definition →	—	(1.09)	(1.24)	(1.14)	(0.81)	(0.59)	(1.08)	(2.25)
Interest Coverage Full definition →	—	2.47	4.65	3.36	0.82	1.99	3.11	5.23
ROE Full definition →	—	0.00%	185.37%	20.40%	4.48%	(0.57%)	3.39%	9.70%
ROA Full definition →	—	0.00%	54.24%	6.49%	1.31%	(0.17%)	1.17%	3.77%
ROIC Full definition →	—	0.00%	24.75%	10.31%	(0.87%)	6.40%	12.72%	19.40%
Return on Tangible Assets Full definition →	—	0.00%	71.02%	16.28%	4.70%	(0.52%)	3.18%	8.64%
Average Days of Receivables Full definition →	—	0.00	405.13	537.24	773.77	621.74	540.14	523.05
Research and Development Expense of Revenue Full definition →	—	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	—	27.47%	26.97%	29.93%	33.11%	27.21%	23.49%	20.28%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	—	0.06%	0.07%	1.14%	1.55%	1.49%	1.64%	2.62%
Graham Net Nets Full definition →	—	0.00	(0.02)	1.80	3.31	1.75	1.04	0.69
Graham Number Full definition →	—	0.00	0.00	21.69	11.57	0.00	10.23	14.48
Earnings Yield Full definition →	—	(0.10%)	(0.10%)	38.55%	25.74%	(0.42%)	5.22%	7.93%
Free Cash Flow Yield Full definition →	—	0.00%	0.00%	254.91%	818.49%	371.17%	201.40%	132.78%
Revenue per Share Full definition →	—	0.00	1.57	19.95	15.59	16.67	15.96	14.38
Operating CF per Share Full definition →	—	0.00	1.51	12.66	17.49	18.07	16.07	15.14
Capex per Share Full definition →	—	0.00	(0.08)	(1.09)	(0.95)	(0.55)	(0.65)	(0.72)
Free Cash Flow per Share Full definition →	—	0.00	1.43	11.57	16.53	17.52	15.43	14.42
Cash per Share Full definition →	—	—	0.36	4.72	3.57	4.51	4.38	3.52
Shareholders Equity per Share Full definition →	—	0.00	0.78	11.94	11.44	11.84	11.63	11.65
Interest Debt per Share Full definition →	—	—	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	—	0.00	0.78	11.94	11.44	11.84	11.63	11.65
Free Cash Flow Full definition →	—	142.28	181.39	152.97	230.05	287.16	310.80	382.19
Working Capital Full definition →	—	—	98.58	142.28	137.04	182.55	214.70	277.01
Capital Expenditures Full definition →	—	(6.64)	(10.72)	(14.37)	(13.25)	(8.99)	(13.01)	(19.11)
Net Current Asset Value Full definition →	—	0.00	83.99	107.77	92.97	135.60	159.79	199.32
EV/EBIT Full definition →	—	0.00	0.00	3.06	11.21	3.61	2.76	2.45
Capex to Sales Full definition →	—	0.06	0.05	0.05	0.06	0.03	0.04	0.05
Price to Operating Income Full definition →	—	0.00	0.00	1.05	0.00	1.67	1.63	1.73
Other line items
Depreciation/Fixed assets Full definition →	—	0.00	0.82	0.86	1.17	1.47	0.88	0.31
Cash ROIC Full definition →	—	0.00%	63.19%	32.42%	41.56%	47.81%	48.47%	52.83%
Accounts Receivable Turnover Full definition →	—	0.00	0.66	0.86	0.51	0.59	0.68	0.75
Accounts Payable Turnover Full definition →	—	0.00	4.98	14.03	9.37	9.38	18.50	27.87
Inventory Turnover Full definition →	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	—	0.00	27.02	42.44	39.68	32.07	6.52	19.89
Days of Inventory on Hand Full definition →	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	—	—	305.18	305.18	424.02	462.64	470.53	510.98
Average Payables Full definition →	—	—	3.74	3.74	6.22	5.39	2.66	1.83
Average Assets Full definition →	—	0.00	142.92	393.97	540.97	590.69	621.36	697.63
Average Common Equity Full definition →	—	—	41.82	125.28	158.51	176.59	214.12	271.54

Show all line items

Columns are period end dates · fundamentals updated 5 Nov 2026

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