OPFI
OppFi Inc.
NYSE · Technology · Software - Application · US
$6.37
+9.08%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 605.5M | 597.0M | 526.0M | 508.9M | 452.9M |
| Cost of Revenue | 80.7M | 100.1M | 105.2M | 107.4M | 95.1M |
| Gross Profit | 524.8M | 497.0M | 420.8M | 401.5M | 357.7M |
| Operating Expenses | |||||
| R&D Expense | — | — | 21.2M | — | — |
| SG&A Expense | 79.5M | 91.7M | 89.9M | 86.7M | 87.5M |
| General & Admin Expense | 43.5M | 40.8M | 40.7M | 36.1M | 29.2M |
| Selling & Marketing Expense | 36.0M | 50.9M | 49.2M | 50.6M | 58.3M |
| Other Expenses | 108.9M | 22.7M | 215.2M | 268.5M | 276.5M |
| Total Operating Expenses | 188.3M | 114.4M | 326.2M | 355.2M | 364.1M |
| Cost and Expenses | 269.1M | 214.5M | 431.4M | 462.6M | 459.2M |
| Operating Income (EBIT) | 336.5M | 382.5M | 94.5M | 46.4M | (6.3M) |
| Non-Operating | |||||
| Interest Income | 149.2M | — | — | — | — |
| Interest Expense | 8.7M | — | 182.2M | 46.8M | 35.2M |
| Net Interest Income | 140.6M | — | (182.2M) | (46.8M) | (35.2M) |
| Other Non-Op Income/Expense | (172.4M) | (226.4M) | (6.5M) | (4.5M) | 9.4M |
| Non-Operating Income (excl Interest) | (860.0K) | — | (204.4M) | (231.4M) | (237.5M) |
| EBT (Pre-Tax Income) | 164.0M | 156.1M | 88.1M | 41.8M | 3.1M |
| Income Tax Expense | 21.4M | 9.9M | 4.2M | 2.3M | (277.0K) |
| Bottom Line | |||||
| Net Income | 94.6M | 26.3M | 7.3M | (1.0M) | 7.1M |
| Earnings from Cont. Ops | 142.6M | 146.2M | 83.8M | 39.5M | 3.3M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 114.1M | 26.3M | 7.3M | (1.0M) | 4.2M |
| Per Share | |||||
| Basic EPS | $2.30 | $0.99 | $0.36 | ($0.06) | $0.51 |
| Diluted EPS | $1.33 | $0.99 | $0.36 | ($0.06) | $0.05 |
| Revenue Per Share | $7.12 | $22.52 | $26.11 | $31.05 | $32.55 |
| Shares | |||||
| Basic Shares Outstanding | 85.1M | 26.5M | 20.1M | 16.4M | 13.9M |
| Diluted Shares Outstanding | 85.6M | 26.5M | 20.1M | 16.4M | 84.3M |
| Profitability Metrics | |||||
| EBITDA | 342.1M | 387.7M | 308.6M | 290.5M | 244.8M |
| D&A | 4.8M | 5.2M | 9.6M | 12.7M | 13.6M |
| EBIT | 337.3M | 382.5M | 299.0M | 277.8M | 231.2M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026