OppFi Inc
NYSE:OPFI
Income Statement
Earnings Waterfall
OppFi Inc
Revenue
|
511.9m
USD
|
Cost of Revenue
|
-10.4m
USD
|
Gross Profit
|
501.5m
USD
|
Operating Expenses
|
-408.4m
USD
|
Operating Income
|
93.1m
USD
|
Other Expenses
|
-94.1m
USD
|
Net Income
|
-1m
USD
|
Income Statement
OppFi Inc
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 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||
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%
|
|
Gross Profit | ||||||||||||||
Cost of Revenue |
(4)
|
(5)
|
(6)
|
(7)
|
(8)
|
(8)
|
(9)
|
(10)
|
(10)
|
(11)
|
(10)
|
(11)
|
(10)
|
|
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%
|
|
Operating Income | ||||||||||||||
Operating Expenses |
(188)
|
(169)
|
(180)
|
(196)
|
(176)
|
(231)
|
(281)
|
(348)
|
(410)
|
(419)
|
(426)
|
(415)
|
(408)
|
|
Selling, General & Administrative |
(91)
|
(103)
|
(126)
|
(158)
|
(164)
|
(176)
|
(182)
|
(170)
|
(161)
|
(157)
|
(155)
|
(158)
|
(160)
|
|
Depreciation & Amortization |
(7)
|
(8)
|
(8)
|
(9)
|
(10)
|
(11)
|
(12)
|
(13)
|
(14)
|
(14)
|
(14)
|
(13)
|
(13)
|
|
Other Operating Expenses |
(91)
|
(59)
|
(46)
|
(28)
|
(1)
|
(44)
|
(87)
|
(165)
|
(236)
|
(249)
|
(258)
|
(244)
|
(236)
|
|
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%
|
|
Pre-Tax Income | ||||||||||||||
Interest Income Expense |
(21)
|
(42)
|
(54)
|
(75)
|
(110)
|
(91)
|
(81)
|
(65)
|
(35)
|
(39)
|
(42)
|
(45)
|
(47)
|
|
Non-Reccuring Items |
0
|
0
|
0
|
6
|
6
|
0
|
0
|
0
|
(4)
|
(4)
|
0
|
0
|
0
|
|
Total Other Income |
0
|
0
|
0
|
13
|
26
|
29
|
32
|
20
|
9
|
7
|
4
|
3
|
(5)
|
|
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%
|
|
Net Income | ||||||||||||||
Tax Provision |
0
|
0
|
0
|
(1)
|
(0)
|
(1)
|
(1)
|
(1)
|
0
|
1
|
0
|
1
|
(2)
|
|
Income from Continuing Operations |
78
|
85
|
78
|
89
|
90
|
65
|
57
|
26
|
3
|
8
|
16
|
32
|
39
|
|
Income to Minority Interest |
0
|
0
|
0
|
(16)
|
(64)
|
(21)
|
(27)
|
(10)
|
4
|
(1)
|
(11)
|
(25)
|
(40)
|
|
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
|
|
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
+413%
|
0.3
-27%
|
0.45
+50%
|
-0.06
N/A
|