OppFi Inc. (OPFI) — Financial statements
Income statement, balance sheet, and cash flow for OppFi Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 597↑13.5% | 526↑3.3% | 509↑12.4% | 453↑29.2% | 351 | |
| Cost of Revenue | 29↓72.1% | 105↓2.1% | 107↑12.9% | 95↑6.7% | 89 | |
| Gross Profit | 568↑34.9% | 421↑4.8% | 402↑12.2% | 358↑36.8% | 261 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00↓100.0% | 21 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 37↓9.7% | 41↑12.6% | 36↑23.4% | 29↓19.8% | 36 | |
| Selling & Marketing Expenses | 51↑3.4% | 49↓2.7% | 51↓13.3% | 58↑11.1% | 52 | |
| SG&A Expenses | 88↓2.5% | 90↑3.7% | 87↓1.0% | 88↓1.6% | 89 | |
| Other Expenses | 287↑33.3% | 215↓19.8% | 269↓2.9% | 277↑140.0% | 115 | |
| Operating Expenses | 374↑14.8% | 326↓8.1% | 355↓2.4% | 364↑78.3% | 204 | |
| Total Costs & Expenses | 404↓6.4% | 431↓6.7% | 463↑0.7% | 459↑56.6% | 293 | |
| Operating Results | ||||||
| Operating Income | 193↑104.4% | 95↑103.9% | 46↑830.9% | -6↓111.1% | 57 | |
| Depreciation & Amortization | 5↓46.4% | 10↓24.5% | 13↓6.2% | 14↑32.1% | 10 | |
| EBITDA | 201↓35.0% | 309↑6.2% | 291↑18.7% | 245↑143.5% | 101 | |
| EBIT | 195↓34.6% | 299↑7.6% | 278↑20.2% | 231↑156.2% | 90 | |
| Interest & Other Income | ||||||
| Net Interest Income | 558↑406.0% | -182↓289.8% | -47↓33.0% | -35↓25565.7% | -0.14 | |
| Interest Income | 597 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Interest Expense | 39↓78.4% | 182↑289.8% | 47↑33.0% | 35↑25565.7% | 0.14 | |
| Non-Operating Income | -2↑98.9% | -204↑11.7% | -231↑2.6% | -238↓620.1% | -33 | |
| Other Income / Expenses | -37↓472.4% | -6↓42.7% | -5↓148.3% | 9↓71.4% | 33 | |
| Income Before Tax | 156↑77.3% | 88↑110.6% | 42↑1265.0% | 3↓96.6% | 90 | |
| Income Tax Expense | 10↑134.5% | 4↑80.8% | 2↑941.5% | -0.28↓189.1% | 0.31 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 146↑74.4% | 84↑112.4% | 39↑1082.0% | 3↓96.3% | 90 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 26↑262.8% | 7↑822.2% | -1↓114.2% | 7↓72.2% | 26 | |
| Bottom-Line Net Income | 26↑262.8% | 7↑822.2% | -1↓123.7% | 4↓89.4% | 40 | |
| EPS (Basic) | 0.99↑175.0% | 0.36↑687.3% | -0.06↓112.0% | 0.51↓73.6% | 1.93 | |
| EPS (Diluted) | 0.99↑175.0% | 0.36↑687.3% | -0.06↓221.6% | 0.05↓89.5% | 0.48 | |
| Weighted Average Shares | 27↑31.6% | 20↑22.9% | 16↑17.8% | 14↑5.3% | 13 | |
| Weighted Average Diluted Shares | 27↑31.6% | 20↑22.9% | 16↓80.5% | 84↓0.3% | 84 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.