Saturday 17 October 2026 Export OPFI’s income statement to Excel — free account

OppFi Inc.

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.

5.64 0.13 −2.25%

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Market cap: $491.7M
P/E: 1.7×
Fwd P/E: 4.3×
Dividend yield: 0.00%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 1.49

Total sells 2.08

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	14	8	—
Sell	3	1	1	—	1	—	1	3	—	2	1	—

Insider Ownership 18.16%

Capital & Financial Ratios $m

Market Cap 491.65

Revenue 363.60

Net Income 184.03

Free Cash Flow 384.90

Net Debt 184.61

Current Ratio 1.85

Debt/Equity 0.67

P/E ratio 1.67

Fwd P/E 4.31

P/S ratio 1.05

P/B ratio 0.92

Past 5Y EPS Growth 10.17%

This Y EPS Growth (11.64%)

Next Y EPS Growth 36.48%

Next Y revenue growth 60.45%

Next 5Y EPS Growth 15.11%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 7.58%

10-year low 10-year high

P/S against its own 10 years 93.92%

10-year low 10-year high

P/B against its own 10 years 66.46%

10-year low 10-year high

Dividends

Payout Ratio 0.00

Annual Dividend Rate 0.00

Annual Dividend Yield 0.00%

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	74	88	93	92
Receivables	465	476	546	496
Inventory	—	—	—	—
Other	4	3	5	4
	543	567	645	592

	2023	2024	2025	Q'26
Payables	4	1	3	1
ST’ Debt	333	319	321	276
Other	—	—	—	—
	361	352	368	321

Compound Annual Growth %

	10y	5y	3y
Sales	—	13.74%	20.67%
Cash Flow	—	15.87%	18.15%
Earnings	—	(19.42%)	54.80%
Book Value	—	25.47%	24.74%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	87	86	—	—	—
’25	91	100	105	86	381
’24	63	86	91	81	321
’23	57	75	76	66	273
’22	51	65	53	48	217
’21	62	67	73	62	264
’20	—	—	45	—	200

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	91	92	—	—	—
’25	84	96	105	117	401
’24	74	77	78	95	324
’23	66	73	75	83	296
’22	45	58	69	71	243
’21	45	39	35	47	167
’20	—	—	143	(144)	192

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	86	87	—	—	—
’25	79	91	100	112	382
’24	72	75	74	90	311
’23	64	70	73	80	287
’22	41	55	66	68	230
’21	42	36	31	43	153
’20	—	—	135	(136)	181

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.56	0.18	—	—	—
’25	(0.48)	(0.78)	0.77	0.38	0.99
’24	0.10	0.16	0.21	(0.26)	0.36
’23	0.02	0.14	0.13	(0.31)	(0.06)
’22	0.08	0.10	(0.04)	(0.22)	0.05
’21	(0.02)	(0.13)	1.06	0.84	1.93

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	9.78	4.11	1.87	1.70	2.35	6.81	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	10.47	11.60	6.68	5.34	8.54	17.73
People
People	Employees	—	—	—	—	3	573	465	445	445	410
	Revenue/emp, $m	—	—	—	0.00	66.74	0.46	0.47	0.61	0.72	0.93
Income, $m
Income, $m	Revenue	—	—	—	115	200	264	217	273	321	381
	Gross margin, %	—	—	—	90.12	90.69	80.10	73.13	81.49	84.69	86.65
	EBT	—	—	—	33	78	90	3	42	88	156
	EBT margin, %	—	—	—	28.72	38.71	34.17	1.41	15.30	27.39	40.96
	Net income	—	0	—	33	78	90	3	39	84	146
	Depreciation	—	—	—	6	9	13	16	15	12	8
Per share, $
Per share, $	Revenue	—	—	—	0.00	1.57	19.95	15.59	16.67	15.96	14.38
	Earnings	—	—	—	—	(0.01)	1.93	0.51	(0.06)	0.36	0.99
	Cash flow	—	—	—	0.00	1.51	12.66	17.49	18.07	16.07	15.14
	Capex	—	—	—	0.00	(0.08)	(1.09)	(0.95)	(0.55)	(0.65)	(0.72)
	Free cash flow	—	—	—	0.00	1.43	11.57	16.53	17.52	15.43	14.42
	Book value	—	—	—	0.00	0.78	11.94	11.44	11.84	11.63	11.65
	Shares, m	—	—	—	—	127	13	14	16	20	27
Valuation, ×
Valuation, ×	P/E	—	—	—	0.00	0.00	2.59	3.88	0.00	19.15	12.60
	P/S	—	—	—	0.00	0.00	0.23	0.13	0.28	0.48	0.73
	P/B	—	—	—	43,233.76	5.83	0.38	0.18	0.40	0.66	0.90
	EV/Sales	—	—	—	0.00	0.00	0.95	1.49	1.23	1.20	1.33
	EV/FCF	—	—	—	0.00	0.00	1.63	1.40	1.17	1.24	1.32
Cash, $m
Cash, $m	Operating cash flow	—	—	—	149	192	167	243	296	324	401
	Capex	—	—	—	(7)	(11)	(14)	(13)	(9)	(13)	(19)
	Free cash flow	—	—	—	142	181	153	230	287	311	382
Balance, $m
Balance, $m	Working capital	—	—	—	—	99	142	137	183	215	277
	Total debt	—	—	—	—	142	252	345	333	319	321
	Net debt	—	—	—	—	96	189	295	259	230	228
	Shareholders’ equity	—	—	—	—	99	158	159	194	234	309
Returns, %
Returns, %	ROA	—	—	—	0.00	54.24	6.49	1.31	(0.17)	1.17	3.77
	ROIC	—	—	—	0.00	24.75	10.31	(0.87)	6.40	12.72	19.40
	ROE	—	—	—	0.00	185.37	20.40	4.48	(0.57)	3.39	9.70

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
WRLD World Acceptance Corporation	$803.8M	20.3×	15.2×	+4.85% (above 0%: growing)	+432.00% (above 0%: growing)	+9.97% (above 0%: growing)	100.00%	13.88%	Compare
PRAA PRA Group, Inc.	$751.1M	— (loss-making)	6.0×	+29.37% (above 0%: growing)	+40.74% (above 0%: growing)	−172.63% (below 0%: shrinking)	100.00%	41.19%	Compare
LU Lufax Holding Ltd. Sponsored ADR	$740.9M	— (loss-making)	2.4×	−4.84% (below 0%: shrinking)	n/m	−225.59% (below 0%: shrinking)	100.00%	68.30%	Compare
QFIN Qfin Holdings Inc. - Sponsored ADR	$709.5M	1.3×	3.6×	−27.81% (below 0%: shrinking)	−72.53% (below 0%: shrinking)	−55.53% (below 0%: shrinking)	81.04%	36.17%	Compare
GDOT Green Dot Corporation	$698.6M	— (loss-making)	11.6×	+18.19% (above 0%: growing)	n/m	+61.21% (above 0%: growing)	100.00%	(0.13%)	Compare
OPFI OppFi Inc.	$491.7M	1.7×	4.3×	−14.04% (below 0%: shrinking)	n/m	−3.92% (below 0%: shrinking)	86.77%	37.69%
OPRT Oportun Financial Corporation	$423.5M	22.7×	4.6×	−0.48% (below 0%: shrinking)	+13.33% (above 0%: growing)	+5.05% (above 0%: growing)	82.02%	0.00%	Compare
FINV PPDAI Group Inc. Sponsored ADR	$410.6M	2.8×	4.1×	+0.42% (above 0%: growing)	−31.71% (below 0%: shrinking)	−7,180.65% (below 0%: shrinking)	78.46%	17.42%	Compare
RM Regional Management Corp.	$318.0M	6.8×	6.4×	+6.71% (above 0%: growing)	−14.95% (below 0%: shrinking)	+1.86% (above 0%: growing)	100.00%	19.97%	Compare
Median of peers	$704.1M	6.8×	5.3×	+2.64%	−0.81%	−26.84%	100.00%	18.70%

All 55 Credit Services stocks →

OppFi Inc. (OPFI) key facts

Strength: OppFi Inc.’s revenue for fiscal 2025 (year ended December 2025) was $381.2 million, up 18.6% from fiscal 2024.
OppFi Inc. (OPFI) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, OPFI traded at $5.64, a market capitalization of $491.7 million.
Return on equity was 9.70% and debt-to-equity 0.67.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.