OppFi Inc.
NYSE:OPFI
10.69 (USD) • At close July 30, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2001 Q3 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 140.268 | 135.723 | 136.593 | 126.304 | 127.343 | 132.924 | 133.165 | 122.486 | 120.374 | 120.03 | 124.244 | 107.875 | 100.71 | 95.958 | 91.977 | 78.376 | 84.257 | 92.321 | 62.759 | 44.732 | 39.441 | 91.977 |
| Cost of Revenue
| 24.025 | 25.476 | 25.088 | 27.191 | 27.428 | 64.979 | 17.902 | 27.356 | 25.892 | 16.56 | 17.901 | 18.601 | 16.833 | 21.556 | 17.326 | 17.116 | 14.272 | 25.872 | 8.933 | 0 | 0 | 0 |
| Gross Profit
| 116.243 | 110.247 | 111.505 | 99.113 | 99.915 | 67.945 | 115.263 | 95.13 | 94.482 | 103.47 | 106.343 | 89.274 | 83.877 | 74.402 | 74.651 | 61.26 | 69.985 | 66.449 | 53.826 | 44.732 | 39.441 | 91.977 |
| Gross Profit Ratio
| 0.829 | 0.812 | 0.816 | 0.785 | 0.785 | 0.511 | 0.866 | 0.777 | 0.785 | 0.862 | 0.856 | 0.828 | 0.833 | 0.775 | 0.812 | 0.782 | 0.831 | 0.72 | 0.858 | 1 | 1 | 1 |
| Reseach & Development Expenses
| 0 | 0 | 0 | 5.363 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.218 | 0 | 0 |
| General & Administrative Expenses
| 9.102 | 10.447 | 10.308 | 9.699 | 10.203 | 8.597 | 9.925 | 9.637 | 7.942 | 8.525 | 7.514 | 7.387 | 6.281 | 6.986 | 14.653 | 10.015 | 5 | 6.389 | 4.666 | 6.053 | 6.375 | 21.456 |
| Selling & Marketing Expenses
| 10.288 | 13.318 | 13.57 | 12.808 | 9.512 | 12.559 | 14.075 | 13.4 | 10.528 | 12.466 | 12.861 | 19.079 | 13.888 | 17.96 | 15.58 | 11.439 | 7.483 | 13.197 | 2.17 | 0.804 | 2.472 | 15.633 |
| SG&A
| 19.39 | 23.765 | 23.878 | 22.507 | 19.715 | 21.156 | 24 | 23.037 | 18.47 | 20.991 | 20.375 | 26.466 | 20.169 | 24.946 | 30.233 | 21.454 | 12.483 | 19.586 | 6.836 | 16.327 | 17.812 | 37.089 |
| Other Expenses
| 54.361 | 61.809 | 52.535 | 0.079 | 0.08 | 0.231 | 0.1 | 0.079 | 0.193 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses
| 73.751 | 85.574 | 76.413 | 29.607 | 30.529 | 26.958 | 30.303 | 32.753 | 27.487 | 27.093 | 27.616 | 32.84 | 29.065 | 30.854 | 37.785 | 25.582 | 18.604 | 45.644 | 29.831 | 19.613 | 22.544 | 37.089 |
| Operating Income
| 42.492 | 24.673 | 35.092 | 29.487 | 5.284 | 8.71 | 15.581 | 18.334 | 3.73 | -9.614 | -0.969 | 6.402 | -2.161 | 3.374 | 11.512 | 17.987 | 24.384 | 16.158 | 19.342 | 26.826 | 20.232 | 11.512 |
| Operating Income Ratio
| 0.303 | 0.182 | 0.257 | 0.233 | 0.041 | 0.066 | 0.117 | 0.15 | 0.031 | -0.08 | -0.008 | 0.059 | -0.021 | 0.035 | 0.125 | 0.229 | 0.289 | 0.175 | 0.308 | 0.6 | 0.513 | 0.125 |
| Total Other Income Expenses Net
| -20.451 | -10.1 | -0.738 | -0.897 | 5.251 | -5.735 | 0.414 | 0.43 | 0.346 | 2.381 | 1.323 | 3.297 | 2.404 | 13.266 | 19.583 | 0 | 0 | -2.549 | -1.577 | -1.707 | -3.335 | 19.583 |
| Income Before Tax
| 22.041 | 14.573 | 34.354 | 28.59 | 10.535 | 3.027 | 16.015 | 18.764 | 4.076 | -7.233 | 0.354 | 9.699 | 0.243 | 16.64 | 31.095 | 17.987 | 24.384 | 16.158 | 19.342 | 25.119 | 16.897 | 31.095 |
| Income Before Tax Ratio
| 0.157 | 0.107 | 0.252 | 0.226 | 0.083 | 0.023 | 0.12 | 0.153 | 0.034 | -0.06 | 0.003 | 0.09 | 0.002 | 0.173 | 0.338 | 0.229 | 0.289 | 0.175 | 0.308 | 0.562 | 0.428 | 0.338 |
| Income Tax Expense
| 1.651 | 0.6 | 2.297 | 0.914 | 0.404 | 1.034 | 0.463 | 0.688 | 0.146 | -2.034 | 1.015 | 0.202 | 0.54 | -0.392 | 0.703 | 0 | 0 | 0 | 0 | 0 | 0 | 0.703 |
| Net Income
| -11.372 | -5.609 | 4.264 | 3.066 | 5.537 | -5.567 | 2.169 | 2.142 | 0.251 | 3.135 | -0.571 | 3.458 | 1.076 | 11.429 | 14.125 | 17.987 | 24.384 | 16.158 | 19.342 | 25.119 | 16.897 | 30.392 |
| Net Income Ratio
| -0.081 | -0.041 | 0.031 | 0.024 | 0.043 | -0.042 | 0.016 | 0.017 | 0.002 | 0.026 | -0.005 | 0.032 | 0.011 | 0.119 | 0.154 | 0.229 | 0.289 | 0.175 | 0.308 | 0.562 | 0.428 | 0.33 |
| EPS
| -0.48 | -2.19 | 1.58 | 0.16 | 0.29 | -0.31 | 0.13 | 0.14 | 0.02 | 0.22 | -0.04 | 0.26 | 0.08 | 0.85 | 1.06 | 1.39 | 1.88 | 1.25 | 1.49 | 1.94 | 1.3 | 0.23 |
| EPS Diluted
| -0.48 | -2.19 | 1.58 | 0.16 | 0.1 | -0.31 | 0.13 | 0.14 | 0.02 | -0.04 | -0.04 | 0.1 | 0 | 0.19 | 0.29 | 1.39 | 1.88 | 1.25 | 1.49 | 0 | 0.41 | 0.002 |
| EBITDA
| 93.71 | 116.468 | 35.092 | 41.965 | 24.61 | -13.243 | 31.111 | 33.233 | 18.792 | 10.551 | 12.901 | 20.508 | 10.929 | 26.482 | 33.777 | 26.143 | 30.635 | 22.268 | 25.32 | -1.707 | -3.335 | 11.512 |
| EBITDA Ratio
| 0.668 | 0.858 | 0.257 | 0.332 | 0.193 | -0.1 | 0.234 | 0.271 | 0.156 | 0.088 | 0.104 | 0.19 | 0.109 | 0.276 | 0.367 | 0.334 | 0.364 | 0.241 | 0.403 | -0.038 | -0.085 | 0.125 |