OppFi Inc
NYSE:OPFI

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OppFi Inc Logo
OppFi Inc
NYSE:OPFI
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Price: 8.34 USD 1.71% Market Closed
Market Cap: $720.2m

Income Statement

Earnings Waterfall
OppFi Inc

Income Statement
OppFi Inc

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Income Statement
Currency: USD
Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Revenue
Interest Expense
21
19
20
22
24
27
29
31
35
39
42
45
47
47
47
46
45
44
42
41
39
Revenue
291
N/A
301
+3%
318
+6%
347
+9%
351
+1%
367
+5%
397
+8%
429
+8%
453
+6%
473
+4%
490
+4%
499
+2%
512
+3%
519
+1%
520
+0%
523
+1%
526
+1%
539
+2%
555
+3%
574
+3%
597
+4%
Gross Profit
Cost of Revenue
(4)
(5)
(6)
(7)
(8)
(8)
(9)
(10)
(10)
(11)
(10)
(11)
(10)
(10)
(9)
(8)
(7)
(7)
(7)
(7)
(7)
Gross Profit
287
N/A
296
+3%
312
+5%
340
+9%
343
+1%
359
+5%
387
+8%
419
+8%
442
+6%
462
+4%
480
+4%
489
+2%
501
+3%
509
+1%
510
+0%
515
+1%
519
+1%
532
+3%
549
+3%
567
+3%
590
+4%
Operating Income
Operating Expenses
(188)
(169)
(180)
(196)
(176)
(231)
(281)
(348)
(410)
(419)
(426)
(415)
(408)
(411)
(402)
(388)
(377)
(358)
(360)
(367)
(386)
Selling, General & Administrative
(91)
(103)
(126)
(158)
(164)
(176)
(182)
(170)
(161)
(157)
(155)
(158)
(160)
(162)
(162)
(161)
(163)
(160)
(161)
(163)
(165)
Depreciation & Amortization
(7)
(8)
(8)
(9)
(10)
(11)
(12)
(13)
(14)
(14)
(14)
(13)
(13)
(12)
(11)
(10)
(10)
(9)
(8)
(7)
(5)
Other Operating Expenses
(91)
(59)
(46)
(28)
(1)
(44)
(87)
(165)
(236)
(249)
(258)
(244)
(236)
(237)
(229)
(217)
(204)
(190)
(192)
(197)
(216)
Operating Income
99
N/A
127
+28%
132
+4%
145
+10%
168
+16%
128
-24%
107
-17%
71
-33%
33
-54%
42
+30%
54
+27%
74
+36%
93
+27%
98
+5%
109
+11%
127
+17%
142
+12%
174
+22%
188
+8%
200
+6%
205
+2%
Pre-Tax Income
Interest Income Expense
(21)
(42)
(54)
(75)
(110)
(91)
(81)
(65)
(35)
(39)
(42)
(45)
(47)
(47)
(47)
(45)
(43)
(41)
(39)
(37)
(34)
Non-Reccuring Items
0
0
0
6
6
0
0
0
(4)
(4)
0
0
0
(3)
(3)
(3)
(3)
1
1
1
1
Total Other Income
0
0
0
13
26
29
32
20
9
7
4
3
(5)
0
(1)
(3)
(8)
(35)
(67)
(34)
(16)
Pre-Tax Income
78
N/A
85
+10%
78
-8%
90
+15%
90
+0%
66
-27%
58
-13%
27
-53%
3
-88%
7
+126%
16
+130%
32
+97%
42
+32%
48
+16%
58
+20%
76
+32%
88
+15%
100
+13%
84
-16%
131
+56%
156
+19%
Net Income
Tax Provision
0
0
0
(1)
(0)
(1)
(1)
(1)
0
1
0
1
(2)
(3)
(3)
(5)
(4)
(5)
(6)
(9)
(10)
Income from Continuing Operations
78
85
78
89
90
65
57
26
3
8
16
32
39
46
55
72
84
94
78
122
146
Income to Minority Interest
0
0
0
(16)
(64)
(21)
(27)
(10)
4
(1)
(11)
(25)
(40)
(41)
(50)
(65)
(77)
(104)
(111)
(118)
(120)
Net Income (Common)
78
N/A
85
+10%
36
-58%
30
-15%
26
-16%
2
-91%
30
+1 268%
15
-49%
7
-54%
6
-11%
5
-22%
8
+57%
(1)
N/A
4
N/A
5
+23%
7
+39%
7
-1%
(10)
N/A
(33)
-247%
4
N/A
26
+580%
EPS (Diluted)
0.7
N/A
0.78
+11%
0.33
-58%
2.26
+585%
1.93
-15%
0.02
-99%
2.06
+10 200%
1.1
-47%
0.08
-93%
0.41
+412%
0.3
-27%
0.45
+50%
-0.06
N/A
0.04
N/A
0.26
+550%
0.36
+38%
0.36
N/A
-0.4
N/A
-1.25
-213%
0.04
N/A
0.99
+2 375%
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