OppFi Inc.OPFINYSE

Revenue (LTM)

$597M

+13.5% YoY

Net Income (LTM)

$26M

+262.8% YoY

Free Cash Flow

$382M

Revenue CAGR (5Y)

+15.5%

Marginsimproving

FCF$0.4B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	351	453↑29.2%	509↑12.4%	526↑3.3%	597↑13.5%
Gross Profit	261	358↑36.8%	402↑12.2%	421↑4.8%	568↑34.9%
Operating Income	57	-6↓111.1%	46↑830.9%	95↑103.9%	193↑104.4%
Net Income	26	7↓72.2%	-1↓114.2%	7↑822.2%	26↑262.8%
EBITDA	101	245↑143.5%	291↑18.7%	309↑6.2%	201↓35.0%
EPS Diluted	0.48	0.05↓89.5%	-0.06↓221.6%	0.36↑687.3%	0.99↑175.0%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	25	16↓35.2%	32↑95.8%	61↑93.0%	93↑52.0%
Total Current Assets	450	510↑13.2%	539↑5.7%	564↑4.6%	639↑13.4%
Total Assets	502	580↑15.5%	602↑3.7%	641↑6.6%	754↑17.6%
Total Current Liabilities	58	55↓5.1%	51↓6.7%	60↑16.2%	86↑43.8%
Total Liabilities	344	421↑22.2%	408↓3.1%	407↓0.1%	445↑9.4%
Total Equity	-9	-0↑94.5%	10↑2213.4%	33↑213.9%	58↑78.4%
Total Debt	274	364↑32.7%	349↓4.0%	332↓4.9%	339↑2.2%
Net Debt	249	347↑39.5%	317↓8.6%	271↓14.7%	246↓9.1%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	167	243↑45.4%	296↑21.7%	324↑9.3%	401↑23.9%
Capital Expenditure	-14	-13↑7.8%	-9↑32.1%	-13↓44.7%	-19↓46.9%
Free Cash Flow	153	230↑50.4%	287↑24.8%	311↑8.2%	382↑23.0%
Stock-Based Comp	3	3↑12.9%	4↑20.6%	5↑28.5%	10↑89.5%
Net Change in Cash	17	-13↓176.0%	24↑291.2%	14↓40.9%	5↓65.3%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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