| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 555.03M | 525.96M | 508.95M | 452.86M | 350.57M | 188.17M |
| Gross Profit | 474.03M | 420.78M | 388.98M | 344.67M | 239.42M | 188.17M |
| EBITDA | 190.44M | 308.60M | 100.86M | 55.32M | 118.20M | 103.53M |
| Net Income | -33.50M | 7.26M | -1.00M | 7.10M | 25.55M | 77.52M |
Balance Sheet | ||||||
| Total Assets | 673.38M | 641.17M | 601.54M | 579.84M | 502.11M | 285.84M |
| Cash, Cash Equivalents and Short-Term Investments | 45.23M | 61.34M | 31.79M | 49.67M | 25.06M | 25.60M |
| Total Debt | 322.19M | 332.05M | 349.18M | 363.62M | 274.02M | 158.10M |
| Total Liabilities | 455.67M | 406.96M | 407.51M | 420.69M | 344.23M | 186.51M |
| Stockholders Equity | 13.35M | 32.77M | 10.44M | -494.00K | -9.04M | 99.33M |
Cash Flow | ||||||
| Free Cash Flow | 334.11M | 310.80M | 287.15M | 230.05M | 152.97M | 181.39M |
| Operating Cash Flow | 351.43M | 323.81M | 296.15M | 243.30M | 167.35M | 192.11M |
| Investing Cash Flow | -281.66M | -243.44M | -244.29M | -317.24M | -199.47M | -98.31M |
| Financing Cash Flow | -72.34M | -66.02M | -27.58M | 61.26M | 48.83M | -84.12M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $187.09M | 13.76 | 22.69% | ― | 2.37% | ― | |
| ― | $888.78M | ― | -209.49% | ― | 6.79% | -593.75% | |
| ― | $239.45M | ― | -22.60% | ― | -6.88% | 15.83% | |
| ― | $299.65M | -3.01 | -24.21% | ― | -48.61% | -2291.48% | |
| ― | $611.58M | ― | -75.71% | ― | -5.06% | -2318.18% |
On September 29, 2025, OppFi Inc. announced the closure of a new $150 million revolving credit facility, replacing a prior facility. This new agreement, which has a four-year term, is expected to significantly reduce financing costs, with a lowered interest rate from SOFR + 7.5% to SOFR + 6.0%. The facility aims to support OppFi’s ongoing growth in finance receivables and further its mission of providing credit access to underserved Americans. A portion of the proceeds was used to repay the outstanding borrowings under the previous credit agreement, which was terminated without incurring early termination penalties. The new facility is seen as a testament to the strength and durability of OppFi’s business model, enhancing its industry positioning and operational growth.
The most recent analyst rating on (OPFI) stock is a Buy with a $14.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.
On August 26, 2025, OppFi Inc. announced an increase in its share repurchase program, authorizing an additional $20 million for the repurchase of its Class A common stock, bringing the total authorization to $40 million. This move reflects the company’s confidence in its long-term growth prospects and commitment to returning value to shareholders, with repurchases to be made based on market conditions and other factors. The repurchase program, which does not obligate the company to buy a specific amount, will expire in April 2027.
The most recent analyst rating on (OPFI) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.
On August 21, 2025, OppFi Inc. announced the publication of supplemental information regarding its outstanding warrants to purchase shares of its Class A common stock. This move aims to provide stockholders and potential investors with insights into the potential positive impacts of the warrants on OppFi’s capital structure, including the possibility of a significant capital infusion to support strategic initiatives if the warrants are exercised. This information is accessible on the company’s Investor Relations page and through a Current Report on Form 8-K filed with the SEC.
The most recent analyst rating on (OPFI) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.
OppFi Inc. is a tech-enabled digital finance platform that collaborates with banks to offer financial products and services to underserved Americans, focusing on financial inclusion and customer satisfaction. In its latest earnings report, OppFi announced record quarterly revenue and adjusted net income, alongside an increase in full-year revenue and adjusted net income guidance. The company reported a 12.8% increase in total revenue to $142.4 million and a 59.0% rise in adjusted net income to $39.4 million, marking record highs for any quarter. Despite a 58.5% decrease in GAAP net income to $11.5 million, OppFi’s strategic operational improvements and credit enhancements have driven significant growth. The company also reported a decrease in net charge-off rates and an increase in average yield, indicating improved financial health. Looking forward, OppFi has raised its full-year revenue guidance to between $578 million and $605 million and adjusted net income guidance to between $125 million and $130 million, reflecting confidence in its ongoing growth and value creation strategies.
The recent earnings call for OppFi Inc. painted a picture of robust financial health and growth, underpinned by technological advancements and improved credit metrics. Despite some concerns over macroeconomic risks and a notable drop in GAAP net income due to noncash charges, the call was largely positive, emphasizing the company’s successful initiatives and financial achievements.
On August 6, 2025, OppFi Inc. announced its financial results for the second quarter ending June 30, 2025, reporting a record quarterly revenue of $142.4 million, a 12.8% increase year over year. Despite a decrease in GAAP net income by 58.5% to $11.5 million, the company achieved a record adjusted net income of $39.4 million, marking a 59.0% increase. The company also raised its full-year revenue guidance to $578 million to $605 million and adjusted net income guidance to $125 million to $130 million, citing operational improvements and a strong customer satisfaction rate as key drivers for these positive results.
The most recent analyst rating on (OPFI) stock is a Buy with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.