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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OppFi Inc. (OPFI) Piotroski F-score
OppFi Inc.'s Piotroski F-score for fiscal 2025 is 8 out of 9: 8 of nine tests of profitability, leverage and efficiency passed, unchanged from fiscal 2024.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 8 | 0.00 |
| FY2024 | 8 | 2.00 |
| FY2023 | 6 | 2.00 |
| FY2022 | 4 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 3.77% | 1.17% | Pass | 1 |
| Positive operating cash flow | 401.31m | 323.81m | Pass | 1 |
| Rising return on assets | 3.77% | 1.17% | Pass | 1 |
| Cash flow above net income | 374.98m | 316.55m | Pass | 1 |
| Falling long-term leverage | 0.00 | 0.00 | Pass | 1 |
| Rising current ratio | 1.75 | 1.61 | Pass | 1 |
| No new shares issued | 26,506,000 | 20,146,000 | Fail | 0 |
| Rising gross margin | 86.65% | 84.69% | Pass | 1 |
| Rising asset turnover | 0.55 | 0.52 | Pass | 1 |
| Piotroski F-score | Strong — most fundamentals improved | 8 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover