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    OPFI

    OppFi Inc.

    Company overview

    Market capitalization
    $534.31M
    Employees
    410
    Latest publication
    2026-09-29
    About OppFi Inc.

    OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ3 20222022-09-30 · USDQ2 20212021-06-30 · USD
    Total Revenue86,171,000USD124,244,000USD78,376,000USD
    Selling General Administrative4,726,000USD7,514,000USD10,015,000USD
    Selling And Marketing Expenses11,403,000USD12,861,000USD11,439,000USD
    General And Administrative Expenses4,726,000USD——
    Total Operating Expenses16,129,000USD110,613,000USD45,695,000USD
    Operating Income24,355,000USD-969,000USD17,987,000USD
    Total Other Income Expense Net1,101,000USD1,323,000USD-15,718,090USD
    Interest Income145,170,000USD——
    Revenue Net Of Interest Expense86,171,000USD——
    Non Interest Expense61,816,000USD——
    Labor And Related Expense16,294,000USD——
    Income Before Tax25,456,000USD354,000USD17,987,000USD
    Income Tax Expense9,844,000USD1,015,000USD—
    Equity Method Income Loss813,000USD——
    Net Income15,612,000USD-571,000USD17,987,000USD
    Minority Interest770,000USD-90,000USD—
    Net Income Applicable To Common Shares15,427,000USD-571,000USD-16,261,727USD
    Cost Of Revenue—14,600,000USD14,694,000USD
    Gross Profit—109,644,000USD63,682,000USD
    Research Development—3,301,000USD—
    Unclassified Operating Expenses—86,937,000USD24,241,000USD
    Interest Expense—8,513,000USD—
    Net Interest Income—-9,095,000USD—
    Tax Provision—1,015,000USD—
    Net Income From Continuing Ops—-661,000USD-16,261,727USD
    Ebit—8,867,000USD23,730,000USD
    Ebitda—12,319,000USD26,143,000USD
    Depreciation And Amortization—3,452,000USD2,413,000USD
    Reconciled Depreciation—3,452,000USD—
    Non Operating Income Net Other—1,323,000USD-15,718,090USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Assets770,729,000USD719,987,000USD754,090,000USD720,615,000USD673,375,000USD640,072,000USD641,171,000USD619,266,000USD
    Cash And Equivalents64,347,000USD—49,451,000USD45,450,000USD45,227,000USD57,954,000USD61,344,000USD44,838,000USD
    Total Liabilities356,474,000USD———————
    Total Stockholder Equity414,255,000USD75,654,000USD58,484,000USD49,423,000USD13,351,000USD22,550,000USD32,774,000USD34,888,000USD
    Total Equity Including Noncontrolling Interest414,255,000USD———————
    Property Plant Equipment Net43,310,000USD40,608,000USD36,462,000USD32,733,000USD29,079,000USD26,337,000USD24,259,000USD22,373,000USD
    Retained Earnings9,730,000USD-5,179,000USD-33,505,000USD-49,795,000USD-91,531,000USD-72,168,000USD-55,127,000USD-50,638,000USD
    Other Current Assets—-502,558,000USD43,812,000USD29,743,000USD33,038,000USD32,814,000USD26,944,000USD29,395,000USD
    Total Liab—377,005,000USD445,214,000USD443,361,000USD455,670,000USD403,308,000USD406,958,000USD398,960,000USD
    Other Current Liab—-1,844,000USD83,209,000USD28,769,000USD25,330,000USD29,106,000USD32,411,000USD25,735,000USD
    Common Stock—3,000USD9,000USD9,000USD9,000USD9,000USD9,000USD9,000USD
    Capital Stock—9,000USD9,000USD9,000USD9,000USD9,000USD9,000USD9,000USD
    Other Assets—584,022,000USD754,090,000USD61,987,000USD565,120,000USD528,181,000USD641,171,000USD619,266,000USD
    Cash—63,865,000USD49,451,000USD45,450,000USD45,227,000USD57,954,000USD61,344,000USD44,838,000USD
    Cash And Short Term Investments—63,865,000USD49,451,000USD45,450,000USD45,227,000USD57,954,000USD61,344,000USD44,838,000USD
    Total Current Assets—63,865,000USD639,499,000USD617,092,000USD573,790,000USD550,636,000USD564,020,000USD540,810,000USD
    Total Current Liabilities—56,184,000USD85,982,000USD72,274,000USD67,371,000USD65,754,000USD59,798,000USD55,555,000USD
    Net Debt—236,962,000USD283,326,000USD287,306,000USD273,053,000USD242,885,000USD270,708,000USD294,453,000USD
    Short Term Debt—56,184,000USD65,910,000USD10,000,000USD12,383,000USD12,841,000USD32,412,000USD13,741,000USD
    Short Long Term Debt Total—300,827,000USD332,777,000USD332,756,000USD318,280,000USD300,839,000USD332,052,000USD339,291,000USD
    Long Term Debt—284,260,000USD321,353,000USD320,844,000USD305,897,000USD287,998,000USD318,758,000USD325,550,000USD
    Long Term Investments—19,145,000USD19,076,000USD18,888,000USD18,574,000USD18,503,000USD19,194,000USD19,429,000USD
    Net Receivables—502,558,000USD546,236,000USD541,899,000USD495,525,000USD459,868,000USD475,732,000USD466,577,000USD
    Accounts Payable—1,844,000USD2,773,000USD3,104,000USD2,731,000USD1,960,000USD879,000USD4,685,000USD
    Property Plant Equipment Gross—105,600,000USD100,863,000USD96,371,000USD91,586,000USD87,344,000USD83,509,000USD79,498,000USD
    Common Stock Shares Outstanding—26,506,458shares26,506,458shares26,610,000shares26,610,000shares23,691,769shares21,442,460shares20,248,004shares
    Non Current Assets Total—72,100,000USD114,591,000USD103,523,000USD99,585,000USD89,436,000USD77,151,000USD78,456,000USD
    Non Current Liabilities Total—320,821,000USD359,232,000USD371,087,000USD388,299,000USD337,554,000USD347,160,000USD343,405,000USD
    Non Current Liabilities Other—35,046,000USD——————
    Non Currrent Assets Other—-19,145,000USD26,406,000USD19,658,000USD17,983,000USD16,996,000USD12,358,000USD14,377,000USD
    Net Working Capital—560,868,000USD553,517,000USD544,818,000USD506,419,000USD484,882,000USD504,222,000USD485,255,000USD
    Unclassified Current Assets—-502,558,000USD—-102,000,000USD————
    Unclassified Non Current Assets—-571,675,000USD-721,443,000USD-88,743,000USD-531,171,000USD-500,581,000USD-619,831,000USD-596,989,000USD
    Unclassified Current Liabilities—-1,844,000USD-65,910,000USD28,704,000USD25,148,000USD19,989,000USD-5,904,000USD11,394,000USD
    Unclassified Equity—80,821,000USD91,971,000USD101,200,000USD104,864,000USD94,700,000USD87,883,000USD85,508,000USD
    Unclassified Non Current Liabilities——37,879,000USD50,243,000USD82,402,000USD49,556,000USD28,402,000USD17,855,000USD
    Intangible Assets———43,000,000USD————
    Good Will———16,000,000USD————
    Current Deferred Revenue———1,697,000USD1,779,000USD1,858,000USD——
    Short Term Investments———70,000,000USD————
    Inventory———32,000,000USD————
    Accumulated Other Comprehensive Income———-2,000,000USD————
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USD
    Total Assets754,090,000USD641,171,000USD601,543,000USD579,839,000USD502,106,000USD285,843,000USD286,628,559USD
    Other Current Assets43,812,000USD26,944,000USD42,152,000USD33,981,000USD37,298,000USD20,056,000USD19,190,095USD
    Total Liab445,214,000USD406,958,000USD407,514,000USD420,689,000USD344,228,000USD186,511,000USD249,181,024USD
    Total Stockholder Equity58,484,000USD32,774,000USD10,440,000USD-494,000USD157,878,000USD99,332,000USD37,447,535USD
    Other Current Liab83,209,000USD32,411,000USD22,006,000USD23,220,000USD29,595,000USD27,026,000USD203,386USD
    Common Stock9,000USD9,000USD11,000USD11,000USD11,000USD217,176,130USD—
    Capital Stock9,000USD9,000USD11,000USD11,000USD11,000USD6,660,000USD—
    Retained Earnings-33,505,000USD-55,127,000USD-63,591,000USD-63,546,000USD-70,723,000USD92,320,000USD30,579,589USD
    Other Assets754,090,000USD641,171,000USD1USD460,489,000USD436USD7,384,738USD263,269,590USD
    Cash49,451,000USD61,344,000USD31,791,000USD16,239,000USD25,064,000USD25,601,000USD16,788,608USD
    Cash And Equivalents49,451,000USD61,344,000USD31,791,000USD49,670,000USD25,064,000USD25,600,860USD16,788,610USD
    Cash And Short Term Investments49,451,000USD61,344,000USD31,791,000USD16,239,000USD25,064,000USD25,601,000USD16,788,608USD
    Total Current Assets639,499,000USD564,020,000USD539,277,000USD510,159,000USD450,472,000USD267,900,000USD16,788,608USD
    Total Current Liabilities85,982,000USD59,798,000USD51,473,000USD55,183,000USD58,138,000USD44,431,000USD15,353,884USD
    Net Debt283,326,000USD270,708,000USD317,386,000USD347,379,000USD248,957,000USD132,504,000USD207,107,180USD
    Short Term Debt65,910,000USD0USD1,449,000USD18,930,000USD22,443,000USD16,025,000USD0USD
    Short Long Term Debt Total332,777,000USD332,052,000USD349,177,000USD363,618,000USD296,464,000USD174,129,980USD223,895,790USD
    Long Term Debt321,353,000USD318,758,000USD334,116,000USD274,021,000USD274,021,000USD142,080,000USD223,895,790USD
    Long Term Investments19,076,000USD19,194,000USD0USD——243,380,833USD—
    Net Receivables546,236,000USD475,732,000USD465,334,000USD459,939,000USD388,110,000USD222,243,000USD237,014,217USD
    Accounts Payable2,773,000USD879,000USD4,442,000USD6,338,000USD6,100,000USD1,380,000USD4,750,363USD
    Property Plant Equipment Net36,462,000USD24,259,000USD22,472,000USD27,626,000USD14,643,000USD10,558,000USD6,570,361USD
    Property Plant Equipment Gross100,863,000USD83,509,000USD72,528,000USD65,006,000USD39,357,000USD24,998,000USD—
    Common Stock Shares Outstanding26,506,458shares20,145,606shares16,391,199shares84,256,084shares13,227,049shares127,287,218shares12,977,690shares
    Non Current Assets Total114,591,000USD77,151,000USD62,266,000USD69,680,000USD51,634,000USD17,943,000USD269,839,951USD
    Non Current Liabilities Total359,232,000USD347,160,000USD356,041,000USD365,506,000USD286,090,000USD142,080,000USD233,827,140USD
    Non Currrent Assets Other26,406,000USD12,358,000USD12,113,000USD15,296,000USD11,398,000USD7,385,000USD263,269,590USD
    Net Working Capital553,517,000USD504,222,000USD487,804,000USD480,601,000USD392,334,000USD223,469,000USD—
    Unclassified Non Current Assets-721,443,000USD-619,831,000USD27,680,999USD-433,731,000USD25,592,564USD-250,765,571USD-263,269,590USD
    Unclassified Current Liabilities-65,910,000USD26,508,000USD23,576,000USD6,695,000USD-22,443,000USD-16,025,000USD10,400,135USD
    Unclassified Non Current Liabilities37,879,000USD28,402,000USD21,925,000USD48,683,000USD-70,903,000USD-29,274,093USD2,966,559USD
    Unclassified Equity91,971,000USD87,883,000USD74,009,000USD63,030,000USD228,579,000USD—6,867,946USD
    Short Term Investments——42,152,000USD——243,381USD—
    Inventory——-42,152,000USD————
    Accumulated Other Comprehensive Income——0USD0USD—-217,176,130USD0USD
    Unclassified Current Assets——-42,152,000USD———-256,204,312USD
    Deferred Long Term Liab———4,049,000USD1,525,000USD2,597,582USD1,987,188USD
    Other Liab———27,513,000USD70,207,000USD4,240,408USD4,977,603USD
    Non Current Liabilities Other———11,240,000USD11,240,000USD22,436,103USD—
    Net Tangible Assets———-9,040,000USD157,878,000USD222,175,232USD30,787,721USD
    Short Long Term Debt————22,443,000USD16,025,000USD—
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow YTD

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USD
    Depreciation2,100,000USD
    Stock Based Compensation4,749,000USD
    Deferred Income Tax2,606,000USD
    Change To Liabilities-1,941,000USD
    Change In Working Capital6,723,000USD
    Operating Cash Flow182,812,000USD
    Capital Expenditures-9,773,000USD
    Unclassified Investing Cash Flow-68,708,000USD
    Investing Cash Flow-78,481,000USD
    Common Stock Issuance253,000USD
    Net Common Stock Issuance-13,081,000USD
    Common Dividends Paid0USD
    Unclassified Financing Cash Flow-92,920,000USD
    Financing Cash Flow-105,748,000USD
    Change In Cash-1,417,000USD
    End Cash Flow91,846,000USD
    SourceDisclosureDeterministicFinal

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income54,038,000USD38,444,000USD75,933,000USD11,480,000USD20,390,000USD13,973,000USD61,261,000USD27,676,000USD
    Depreciation591,000USD764,000USD1,133,000USD1,502,000USD1,760,000USD2,126,000USD2,280,000USD2,490,000USD
    Stock Based Compensation1,669,000USD6,799,000USD1,928,000USD5,091,000USD1,261,000USD1,088,000USD1,086,000USD2,092,000USD
    Other Non Cash Items43,678,000USD66,677,000USD19,400,000USD76,077,000USD72,953,000USD66,784,000USD15,756,000USD41,598,000USD
    Change To Account Receivables-4,616,000USD6,470,000USD766,000USD-1,174,000USD-3,743,000USD4,335,000USD76,000USD-1,905,000USD
    Change In Working Capital-9,664,000USD7,619,000USD3,593,000USD517,000USD-13,049,000USD8,709,000USD-3,206,000USD2,503,000USD
    Total Cash From Operating Activities90,779,000USD121,737,000USD105,124,000USD95,617,000USD83,740,000USD94,507,000USD77,567,000USD77,305,000USD
    Capital Expenditures-5,147,000USD-4,897,000USD-5,186,000USD-4,640,000USD-4,390,000USD-4,403,000USD-3,886,000USD-2,592,000USD
    Free Cash Flow85,632,000USD116,840,000USD99,938,000USD90,977,000USD79,350,000USD90,104,000USD73,681,000USD74,713,000USD
    Total Cashflows From Investing Activities-21,436,000USD-89,385,000USD-102,858,000USD-81,320,000USD-34,241,000USD-72,835,000USD-93,263,000USD-59,339,000USD
    Net Borrowings-37,093,000USD509,000USD14,947,000USD17,899,000USD-30,830,000USD-6,939,000USD23,667,000USD—
    Total Cash From Financing Activities-62,686,000USD-14,282,000USD-5,338,000USD-26,800,000USD-47,019,000USD-7,617,000USD9,092,000USD-25,850,000USD
    Dividends Paid-10,368,000USD-240,000USD-10,397,000USD-43,026,000USD-11,251,000USD-341,000USD-13,459,000USD-22,593,000USD
    Sale Purchase Of Stock-9,945,000USD-8,163,000USD-7,354,000USD-1,621,000USD-848,000USD-331,000USD-1,018,000USD-2,533,000USD
    Change In Cash6,657,000USD18,070,000USD-3,072,000USD-12,503,000USD2,480,000USD14,055,000USD-6,604,000USD-7,884,000USD
    Begin Period Cash Flow93,263,000USD75,193,000USD78,265,000USD90,768,000USD88,288,000USD74,233,000USD80,837,000USD88,721,000USD
    End Period Cash Flow99,920,000USD93,263,000USD75,193,000USD78,265,000USD90,768,000USD88,288,000USD74,233,000USD80,837,000USD
    Other Cashflows From Investing Activities-16,289,000USD-84,745,000USD-97,672,000USD-76,680,000USD-29,851,000USD-68,395,000USD-102,039,000USD-56,747,000USD
    Other Cashflows From Financing Activities-5,533,000USD-977,000USD-2,534,000USD-1,673,000USD-4,938,000USD-337,000USD-98,000USD-3,897,000USD
    Unclassified Operating Cash Flow—1,434,000USD3,137,000USD——1,827,000USD——
    Unclassified Financing Cash Flow—-5,411,000USD—1,621,000USD———3,173,000USD
    Investments——-102,858,000USD-81,320,000USD-34,241,000USD-72,835,000USD-93,263,000USD-59,339,000USD
    Unclassified Investing Cash Flow——102,858,000USD81,320,000USD34,241,000USD72,798,000USD105,925,000USD59,339,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Net Income146,247,000USD83,837,000USD-1,005,000USD3,340,000USD89,795,000USD77,516,000USD32,995,000USD9,732,868USD
    Depreciation5,159,000USD9,621,000USD12,735,000USD13,581,000USD10,282,000USD6,732,000USD4,281,000USD2,420,996USD
    Stock Based Compensation9,988,000USD5,270,000USD4,100,000USD3,354,000USD3,012,000USD144,000USD66,000USD—
    Other Non Cash Items236,329,000USD214,751,000USD280,529,000USD232,956,000USD60,860,000USD1,945,000USD1,785,000USD59,317,124USD
    Change To Account Receivables2,319,000USD-417,000USD-2,162,000USD-2,000,000USD-2,751,000USD5,892,000USD-5,057,000USD-4,114,173USD
    Change In Working Capital-1,320,000USD6,810,000USD-2,043,000USD-9,345,000USD3,941,000USD14,988,000USD-4,462,000USD-8,436,480USD
    Total Cash From Operating Activities401,305,000USD323,806,000USD296,146,000USD243,297,000USD167,346,000USD192,112,000USD148,919,000USD63,034,508USD
    Capital Expenditures-19,113,000USD-13,010,000USD-8,991,000USD-13,250,000USD-14,373,000USD-10,720,000USD-6,642,000USD-4,103,535USD
    Free Cash Flow382,192,000USD310,796,000USD287,155,000USD230,047,000USD152,973,000USD181,392,000USD142,277,000USD58,930,973USD
    Total Cashflows From Investing Activities-307,804,000USD-243,442,000USD-244,292,000USD-199,470,000USD-199,470,000USD-98,312,000USD-214,150,000USD-123,614,371USD
    Net Borrowings2,525,000USD-15,834,000USD-15,746,000USD90,000USD90,000USD-65,973,000USD89,807,000USD77,408,892USD
    Total Cash From Financing Activities-88,526,000USD-66,019,000USD-27,581,000USD61,255,000USD48,829,000USD-84,122,000USD78,011,000USD72,827,327USD
    Dividends Paid-64,914,000USD-2,374,000USD-10,230,000USD-1,309,000USD-51,024,000USD-15,776,000USD-9,485,000USD-2,346,646USD
    Sale Purchase Of Stock-15,517,000USD-3,551,000USD-280,000USD-2,460,000USD200,000USD0USD——
    Change In Cash4,975,000USD14,345,000USD24,273,000USD-12,692,000USD16,705,000USD9,678,000USD12,780,000USD12,247,464USD
    Begin Period Cash Flow88,288,000USD73,943,000USD49,670,000USD62,362,000USD45,657,000USD35,979,000USD23,199,000USD10,951,676USD
    End Period Cash Flow93,263,000USD88,288,000USD73,943,000USD49,670,000USD62,362,000USD45,657,000USD35,979,000USD23,199,140USD
    Other Cashflows From Investing Activities-288,691,000USD-230,432,000USD-235,301,000USD-303,994,000USD-185,097,000USD-9,905,000USD-14,870,000USD-119,510,836USD
    Other Cashflows From Financing Activities-5,637,000USD-44,260,000USD-1,992,000USD88,338,000USD103,853,000USD3,981,000USD87,496,000USD75,173,973USD
    Unclassified Operating Cash Flow4,902,000USD3,517,000USD———90,787,000USD114,254,000USD—
    Unclassified Financing Cash Flow-4,983,000USD——-23,404,000USD-4,290,000USD-6,354,000USD-89,807,000USD-77,408,892USD
    Investments—-243,442,000USD-253,782,000USD-185,097,000USD-185,097,000USD-98,312,000USD-214,150,000USD—
    Unclassified Investing Cash Flow—243,442,000USD253,782,000USD302,871,000USD185,097,000USD20,625,000USD21,512,000USD—
    Change To Inventory——-96,000USD2,751,000USD2,751,000USD-5,892,000USD5,057,000USD—
    Change To Liabilities———11,661,000USD11,661,000USD-3,370,000USD1,144,000USD326,692USD
    Cash And Cash Equivalents Changes———16,705,000USD16,705,000USD———
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    No revenue breakdown is currently published for this company.

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.