OppFi (OPFI) Financials

$8.43 +0.10 (+1.24%)

Closing price 04/11/2025 03:59 PM Eastern

Extended Trading

$8.39 -0.04 (-0.51%)

As of 04/11/2025 07:59 PM Eastern

Annual Income Statements for OppFi

This table shows OppFi's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	7.10	-1.01	7.26
Consolidated Net Income / (Loss)	3.34	39	84
Net Income / (Loss) Continuing Operations	3.34	39	84
Total Pre-Tax Income	3.06	42	88
Total Operating Income	-6.34	46	95
Total Gross Profit	391	444	465
Total Revenue	453	509	526
Operating Revenue	453	509	526
Total Cost of Revenue	62	65	61
Operating Cost of Revenue	60	61	60
Other Cost of Revenue	1.94	4.35	0.04
Total Operating Expenses	163	166	166
Selling, General & Admin Expense	25	32	37
Marketing Expense	58	51	49
Depreciation Expense	14	13	9.62
Other Operating Expenses / (Income)	63	71	68
Impairment Charge	3.57	0.00	0.00
Restructuring Charge	0.00	0.00	2.98
Total Other Income / (Expense), net	-225	-236	-211
Interest & Investment Income	0.00	0.00	1.44
Other Income / (Expense), net	-225	-236	-212
Income Tax Expense	-0.28	2.33	4.22
Net Income / (Loss) Attributable to Noncontrolling Interest	-3.76	40	77
Basic Earnings per Share	$0.51	($0.06)	$0.36
Weighted Average Basic Shares Outstanding	13.91M	16.39M	20.15M
Diluted Earnings per Share	$0.05	($0.06)	$0.36
Weighted Average Diluted Shares Outstanding	84.26M	16.39M	20.15M
Weighted Average Basic & Diluted Shares Outstanding	109.79M	110.92M	86.40M
Cash Dividends to Common per Share	-	-	$0.12

This table shows OppFi's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	-1.66	4.22	0.25	2.14	2.17	-5.57	5.54	3.07	4.26	-5.61
Consolidated Net Income / (Loss)	-0.57	-5.29	3.93	18	16	1.94	10	28	32	14
Net Income / (Loss) Continuing Operations	-1.66	-4.20	3.93	18	16	1.94	10	28	32	14
Total Pre-Tax Income	-1.66	-5.22	4.08	19	16	2.98	11	29	34	15
Total Operating Income	-0.97	-9.61	3.73	18	16	8.71	5.28	29	35	25
Total Gross Profit	0.00	216	106	102	118	117	111	110	123	121
Total Revenue	0.00	244	120	122	133	133	127	126	137	136
Operating Revenue	-	-	120	122	133	133	127	126	137	136
Total Cost of Revenue	0.00	29	15	20	15	15	16	16	14	14
Operating Cost of Revenue	-	-	15	16	15	15	16	16	14	14
Other Cost of Revenue	-	-	0.07	3.87	0.20	0.22	0.03	0.00	0.00	0.01
Total Operating Expenses	2.98	88	39	40	45	42	42	41	42	42
Selling, General & Admin Expense	2.98	10	6.83	8.53	8.82	7.49	9.26	8.66	9.30	9.41
Marketing Expense	-	-	11	13	14	13	9.51	13	14	13
Depreciation Expense	-	-	3.39	3.32	3.12	2.91	2.73	2.49	2.28	2.13
Other Operating Expenses / (Income)	-	-	18	15	19	19	18	17	17	17
Restructuring Charge	-	-	0.00	0.00	0.00	-	2.92	-0.03	0.06	0.04
Total Other Income / (Expense), net	1.32	-132	-63	-44	-57	-73	-59	-41	-46	-65
Other Income / (Expense), net	1.32	-140	-63	-44	-57	-73	-59	-41	-47	-66
Income Tax Expense	-	-	0.15	0.69	0.46	1.03	0.40	0.91	2.30	0.60
Net Income / (Loss) Attributable to Noncontrolling Interest	-	-	3.68	16	13	7.51	4.59	25	28	20
Basic Earnings per Share	-	-	$0.02	$0.14	$0.13	($0.35)	$0.29	$0.16	$0.21	($0.30)
Weighted Average Basic Shares Outstanding	13.97M	13.91M	15.04M	15.63M	16.77M	16.39M	19.21M	19.68M	20.25M	20.15M
Diluted Earnings per Share	-	-	$0.02	$0.14	$0.13	($0.35)	$0.10	$0.16	$0.21	($0.11)
Weighted Average Diluted Shares Outstanding	13.97M	84.26M	15.19M	15.87M	17.06M	16.39M	86.24M	19.68M	20.25M	20.15M
Weighted Average Basic & Diluted Shares Outstanding	13.97M	109.79M	219.58M	221.04M	221.34M	110.92M	222.52M	172.51M	172.43M	86.40M

This table details how cash moves in and out of OppFi's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	-13	24	14
Net Cash From Operating Activities	243	296	324
Net Cash From Continuing Operating Activities	243	296	324
Net Income / (Loss) Continuing Operations	3.34	39	84
Consolidated Net Income / (Loss)	3.34	39	84
Depreciation Expense	14	13	9.62
Amortization Expense	2.37	2.43	2.41
Non-Cash Adjustments To Reconcile Net Income	229	240	217
Changes in Operating Assets and Liabilities, net	-4.74	1.97	11
Net Cash From Investing Activities	-317	-244	-243
Net Cash From Continuing Investing Activities	-317	-244	-243
Purchase of Property, Plant & Equipment	-13	-8.99	-13
Acquisitions	0.00	0.00	-16
Purchase of Investments	-738	-721	-732
Other Investing Activities, net	434	486	518
Net Cash From Financing Activities	61	-28	-66
Net Cash From Continuing Financing Activities	61	-28	-66
Repayment of Debt	-4.52	-1.71	-21
Repurchase of Common Equity	-2.46	0.00	-3.55
Payment of Dividends	-1.31	-10	-45
Issuance of Debt	71	-13	5.62
Issuance of Common Equity	0.13	0.33	0.29
Other Financing Activities, net	-1.63	-2.80	-2.78
Cash Interest Paid	32	44	43
Cash Income Taxes Paid	0.36	0.07	0.48

This table details how cash moves in and out of OppFi's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-7.17	-0.80	22	-9.27	3.92	7.92	15	-7.88	-6.60	14
Net Cash From Operating Activities	69	71	66	73	75	83	74	77	78	95
Net Cash From Continuing Operating Activities	69	71	66	73	75	83	74	77	78	95
Net Income / (Loss) Continuing Operations	-0.66	-5.20	3.93	18	16	1.94	10	28	32	14
Consolidated Net Income / (Loss)	-0.66	-5.20	3.93	18	16	1.94	10	28	32	14
Depreciation Expense	3.45	3.53	3.39	3.32	3.12	2.91	2.73	2.49	2.28	2.13
Amortization Expense	0.12	0.75	0.76	0.51	0.59	0.56	0.55	0.60	0.61	0.65
Non-Cash Adjustments To Reconcile Net Income	69	73	67	44	56	72	63	41	44	68
Changes in Operating Assets and Liabilities, net	-2.73	-1.10	-9.55	6.96	-0.14	4.70	-2.00	5.12	-1.72	9.31
Net Cash From Investing Activities	-79	-74	-28	-75	-77	-64	-18	-59	-93	-73
Net Cash From Continuing Investing Activities	-79	-74	-28	-75	-77	-64	-18	-59	-93	-73
Purchase of Property, Plant & Equipment	-3.24	-3.10	-2.12	-2.52	-2.25	-2.10	-2.13	-2.59	-3.89	-4.40
Acquisitions	-	-	-	-	-	-	-	-	-	-0.04
Purchase of Investments	-187	-182	-155	-191	-194	-181	-153	-184	-202	-194
Other Investing Activities, net	111	111	129	119	119	119	137	128	128	125
Net Cash From Financing Activities	2.41	1.97	-16	-7.30	5.68	-10	-42	-26	9.09	-7.62
Net Cash From Continuing Financing Activities	2.41	1.97	-16	-7.30	5.68	-10	-42	-26	9.09	-7.62
Repayment of Debt	-0.01	-2.42	-0.22	-13	12	-0.06	0.00	-11	-0.01	-10
Payment of Dividends	-0.15	0.01	-0.01	-7.51	-2.73	0.01	-8.37	-23	-13	-0.34
Issuance of Debt	3.66	5.27	-15	-	-	-9.62	-32	11	24	3.06
Other Financing Activities, net	-0.90	-0.89	-0.81	-1.45	0.12	-0.67	-0.91	-1.28	-0.26	-0.33
Cash Interest Paid	8.10	9.79	10	11	11	11	11	10	11	10
Cash Income Taxes Paid	0.01	0.02	0.01	0.01	0.05	-	0.15	0.25	0.07	0.01

This table presents OppFi's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	580	602	641
Total Current Assets	50	74	88
Cash & Equivalents	16	32	61
Restricted Cash	33	42	27
Plant, Property, & Equipment, net	14	10	14
Total Noncurrent Assets	516	517	539
Long-Term Investments	-	0.00	19
Noncurrent Note & Lease Receivables	458	463	474
Noncurrent Deferred & Refundable Income Taxes	27	26	21
Other Noncurrent Operating Assets	31	28	25
Total Liabilities & Shareholders' Equity	580	602	641
Total Liabilities	421	408	407
Total Current Liabilities	30	26	33
Accounts Payable	6.34	4.44	0.88
Accrued Expenses	23	22	32
Total Noncurrent Liabilities	391	381	374
Long-Term Debt	345	333	319
Noncurrent Deferred & Payable Income Tax Liabilities	26	25	27
Other Noncurrent Operating Liabilities	20	23	28
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	159	194	234
Total Preferred & Common Equity	-0.49	10	33
Preferred Stock	0.00	0.00	0.00
Total Common Equity	-0.49	10	33
Common Stock	66	76	94
Retained Earnings	-64	-64	-55
Treasury Stock	-2.46	-2.46	-6.01
Noncontrolling Interest	160	184	201

This table presents OppFi's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	580	560	577	601	563	573	619
Total Current Assets	50	71	62	66	89	81	74
Cash & Equivalents	14	32	27	31	47	47	45
Restricted Cash	36	39	35	35	42	34	29
Plant, Property, & Equipment, net	15	13	12	11	9.69	9.80	11
Total Noncurrent Assets	515	476	503	523	465	482	534
Long-Term Investments	-	-	-	-	-	-	19
Noncurrent Note & Lease Receivables	462	418	447	467	412	431	461
Noncurrent Deferred & Refundable Income Taxes	24	27	26	25	26	25	22
Other Noncurrent Operating Assets	29	31	30	32	27	27	30
Total Liabilities & Shareholders' Equity	580	560	577	601	563	573	619
Total Liabilities	415	396	400	411	366	371	399
Total Current Liabilities	27	21	27	25	24	28	30
Accounts Payable	6.68	3.71	4.06	3.57	3.98	2.40	4.69
Accrued Expenses	20	17	23	22	20	26	26
Total Noncurrent Liabilities	388	375	374	385	342	343	369
Long-Term Debt	340	331	332	342	300	302	326
Noncurrent Deferred & Payable Income Tax Liabilities	24	26	24	24	25	25	25
Other Noncurrent Operating Liabilities	24	19	17	19	17	17	18
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	165	164	177	190	197	202	220
Total Preferred & Common Equity	-3.24	1.44	7.45	11	18	19	35
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	-3.24	1.44	7.45	11	18	19	35
Common Stock	66	67	71	72	79	81	92
Retained Earnings	-67	-63	-61	-59	-58	-57	-51
Treasury Stock	-2.46	-2.46	-2.46	-2.46	-2.46	-4.99	-6.01
Noncontrolling Interest	169	163	170	178	179	183	185

This table displays calculated financial ratios and metrics derived from OppFi's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	29.18%	12.39%	3.34%
EBITDA Growth	-1,384.16%	18.84%	39.35%
EBIT Growth	-5,669.13%	17.88%	37.85%
NOPAT Growth	-112.12%	732.93%	105.64%
Net Income Growth	-96.28%	1,082.01%	112.36%
EPS Growth	-89.58%	-220.00%	700.00%
Operating Cash Flow Growth	45.39%	21.72%	9.34%
Free Cash Flow Firm Growth	67.50%	149.77%	111.74%
Invested Capital Growth	23.11%	-0.48%	-1.60%
Revenue Q/Q Growth	16.32%	-17.95%	0.54%
EBITDA Q/Q Growth	-117.64%	32.69%	17.31%
EBIT Q/Q Growth	-102.52%	31.09%	16.24%
NOPAT Q/Q Growth	-204.06%	56.15%	21.97%
Net Income Q/Q Growth	-93.33%	22.42%	16.76%
EPS Q/Q Growth	0.00%	0.00%	200.00%
Operating Cash Flow Q/Q Growth	10.83%	4.05%	3.83%
Free Cash Flow Firm Q/Q Growth	0.00%	167.71%	11.07%
Invested Capital Q/Q Growth	-0.04%	-2.84%	-1.48%
Profitability Metrics	-	-	-
Gross Margin	86.33%	87.22%	88.49%
EBITDA Margin	-47.46%	-34.28%	-20.12%
Operating Margin	-1.40%	9.11%	17.97%
EBIT Margin	-50.99%	-37.26%	-22.40%
Profit (Net Income) Margin	0.74%	7.76%	15.94%
Tax Burden Percent	109.04%	94.42%	95.21%
Interest Burden Percent	-1.33%	-22.05%	-74.73%
Effective Tax Rate	-9.04%	5.58%	4.79%
Return on Invested Capital (ROIC)	-1.68%	9.64%	20.04%
ROIC Less NNEP Spread (ROIC-NNEP)	2.36%	8.10%	17.41%
Return on Net Nonoperating Assets (RNNOA)	3.78%	12.71%	19.11%
Return on Equity (ROE)	2.11%	22.36%	39.15%
Cash Return on Invested Capital (CROIC)	-22.39%	10.12%	21.66%
Operating Return on Assets (OROA)	-42.68%	-32.10%	-18.96%
Return on Assets (ROA)	0.62%	6.68%	13.49%
Return on Common Equity (ROCE)	-0.06%	0.63%	3.95%
Return on Equity Simple (ROE_SIMPLE)	-676.11%	378.15%	255.80%
Net Operating Profit after Tax (NOPAT)	-6.92	44	90
NOPAT Margin	-1.53%	8.60%	17.11%
Net Nonoperating Expense Percent (NNEP)	-4.04%	1.55%	2.63%
Return On Investment Capital (ROIC_SIMPLE)	-1.37%	8.31%	16.28%
Cost of Revenue to Revenue	13.67%	12.78%	11.51%
SG&A Expenses to Revenue	5.48%	6.22%	6.96%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	36.07%	32.65%	31.65%
Earnings before Interest and Taxes (EBIT)	-231	-190	-118
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-215	-174	-106
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.00	104.09	40.30
Price to Tangible Book Value (P/TBV)	0.00	104.09	40.30
Price to Revenue (P/Rev)	0.95	2.14	2.51
Price to Earnings (P/E)	60.70	0.00	181.98
Dividend Yield	0.00%	0.00%	1.57%
Earnings Yield	1.65%	0.00%	0.55%
Enterprise Value to Invested Capital (EV/IC)	1.95	3.38	3.89
Enterprise Value to Revenue (EV/Rev)	1.96	3.00	3.30
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	34.93	19.26
Enterprise Value to Operating Cash Flow (EV/OCF)	3.64	5.16	5.35
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	33.28	17.82
Leverage & Solvency	-	-	-
Debt to Equity	2.17	1.71	1.36
Long-Term Debt to Equity	2.17	1.71	1.36
Financial Leverage	1.60	1.57	1.10
Leverage Ratio	3.41	3.35	2.90
Compound Leverage Factor	-0.05	-0.74	-2.17
Debt to Total Capital	68.46%	63.16%	57.64%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	68.46%	63.16%	57.64%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	31.64%	34.86%	36.43%
Common Equity to Total Capital	-0.10%	1.98%	5.93%
Debt to EBITDA	-1.61	-1.91	-3.01
Net Debt to EBITDA	-1.38	-1.48	-2.00
Long-Term Debt to EBITDA	-1.61	-1.91	-3.01
Debt to NOPAT	-49.95	7.60	3.54
Net Debt to NOPAT	-42.77	5.91	2.35
Long-Term Debt to NOPAT	-49.95	7.60	3.54
Altman Z-Score	-0.03	1.35	2.14
Noncontrolling Interest Sharing Ratio	103.01%	97.18%	89.91%
Liquidity Ratios	-	-	-
Current Ratio	1.68	2.80	2.65
Quick Ratio	0.55	1.20	1.84
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-92	46	97
Operating Cash Flow to CapEx	1,836.20%	3,293.80%	2,488.90%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00
Efficiency Ratios	-	-	-
Asset Turnover	0.84	0.86	0.85
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	31.58	41.84	43.89
Accounts Payable Turnover	9.96	12.06	22.75
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	36.66	30.25	16.05
Cash Conversion Cycle (CCC)	-36.66	-30.25	-16.05
Capital & Investment Metrics	-	-	-
Invested Capital	455	453	445
Invested Capital Turnover	1.10	1.12	1.17
Increase / (Decrease) in Invested Capital	85	-2.17	-7.26
Enterprise Value (EV)	886	1,529	1,734
Market Capitalization	431	1,087	1,321
Book Value per Share	$0.00	$0.05	$0.19
Tangible Book Value per Share	$0.00	$0.05	$0.19
Total Capital	505	527	553
Total Debt	345	333	319
Total Long-Term Debt	345	333	319
Net Debt	296	259	211
Capital Expenditures (CapEx)	13	8.99	13
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-30	-26	-33
Debt-free Net Working Capital (DFNWC)	20	47	55
Net Working Capital (NWC)	20	47	55
Net Nonoperating Expense (NNE)	-10	4.29	6.17
Net Nonoperating Obligations (NNO)	296	259	211
Total Depreciation and Amortization (D&A)	16	15	12
Debt-free, Cash-free Net Working Capital to Revenue	-6.53%	-5.20%	-6.33%
Debt-free Net Working Capital to Revenue	4.44%	9.33%	10.46%
Net Working Capital to Revenue	4.44%	9.33%	10.46%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$0.51	($0.06)	$0.36
Adjusted Weighted Average Basic Shares Outstanding	13.91M	16.39M	20.15M
Adjusted Diluted Earnings per Share	$0.05	($0.06)	$0.36
Adjusted Weighted Average Diluted Shares Outstanding	84.26M	16.39M	20.15M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	109.79M	110.92M	86.40M
Normalized Net Operating Profit after Tax (NOPAT)	-1.94	44	93
Normalized NOPAT Margin	-0.43%	8.60%	17.65%
Pre Tax Income Margin	0.68%	8.22%	16.74%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00
Payout Ratios	-	-	-
Dividend Payout Ratio	39.19%	25.91%	53.40%
Augmented Payout Ratio	112.84%	25.91%	57.63%

This table displays calculated financial ratios and metrics derived from OppFi's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-100.00%	35.15%	19.53%	13.54%	0.00%	-45.58%	5.79%	3.12%	2.57%	2.11%
EBITDA Growth	-56.35%	-399.77%	-20.80%	23.92%	-1,057.57%	58.33%	8.37%	61.11%	76.57%	36.61%
EBIT Growth	-93.80%	-358.21%	-19.80%	22.11%	-11,768.64%	57.21%	9.27%	54.79%	71.68%	35.70%
NOPAT Growth	-106.03%	-299.46%	36.16%	181.75%	2,330.57%	184.44%	41.29%	61.62%	116.43%	316.30%
Net Income Growth	-101.88%	-112.77%	1,423.23%	90.33%	2,820.14%	136.70%	157.79%	53.11%	106.39%	619.89%
EPS Growth	0.00%	0.00%	0.00%	40.00%	0.00%	0.00%	400.00%	14.29%	61.54%	68.57%
Operating Cash Flow Growth	97.09%	50.32%	46.74%	25.62%	7.98%	16.22%	13.39%	6.00%	3.39%	14.47%
Free Cash Flow Firm Growth	49.86%	0.00%	89.40%	103.19%	102.87%	108.53%	146.48%	244.71%	992.25%	293.71%
Invested Capital Growth	48.07%	23.11%	12.18%	0.54%	2.39%	-0.48%	-3.45%	-5.40%	-2.96%	-1.60%
Revenue Q/Q Growth	-100.00%	0.00%	-50.72%	1.75%	8.72%	-0.18%	-4.20%	-0.82%	8.15%	-0.64%
EBITDA Q/Q Growth	113.93%	-3,799.49%	62.21%	60.92%	-75.28%	-60.98%	16.90%	83.41%	-5.59%	-335.60%
EBIT Q/Q Growth	101.09%	-42,335.31%	60.51%	57.18%	-63.40%	-54.89%	16.28%	78.66%	-2.35%	-251.68%
NOPAT Q/Q Growth	-110.82%	-892.16%	153.44%	391.10%	-14.33%	-62.44%	-10.58%	461.74%	14.72%	-27.75%
Net Income Q/Q Growth	-106.01%	-826.27%	174.31%	359.95%	-14.07%	-87.50%	421.95%	173.18%	15.83%	-56.41%
EPS Q/Q Growth	0.00%	0.00%	0.00%	600.00%	-7.14%	-369.23%	128.57%	60.00%	31.25%	-152.38%
Operating Cash Flow Q/Q Growth	19.68%	2.24%	-7.60%	11.11%	2.87%	10.05%	-9.85%	3.87%	0.34%	21.84%
Free Cash Flow Firm Q/Q Growth	69.01%	37.93%	53.98%	136.06%	-72.13%	84.36%	150.88%	167.39%	-11.68%	-33.55%
Invested Capital Q/Q Growth	2.41%	-0.04%	-6.91%	5.50%	4.30%	-2.84%	-9.69%	3.36%	7.00%	-1.48%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	0.00%	88.23%	87.88%	83.68%	88.77%	88.35%	87.42%	87.15%	89.89%	89.35%
EBITDA Margin	0.00%	-59.46%	-45.60%	-17.51%	-28.23%	-45.53%	-39.49%	-6.60%	-6.45%	-28.27%
Operating Margin	0.00%	-3.94%	3.10%	14.97%	11.70%	6.55%	4.15%	23.35%	25.69%	18.18%
EBIT Margin	0.00%	-61.21%	-49.05%	-20.64%	-31.02%	-48.13%	-42.07%	-9.05%	-8.56%	-30.31%
Profit (Net Income) Margin	0.00%	-2.17%	3.26%	14.76%	11.66%	1.46%	7.96%	21.91%	23.47%	10.30%
Tax Burden Percent	34.46%	101.28%	96.42%	96.33%	97.11%	65.24%	96.17%	96.80%	93.31%	95.88%
Interest Burden Percent	-468.08%	3.49%	-6.90%	-74.23%	-38.72%	-4.65%	-19.67%	-250.15%	-293.67%	-35.42%
Effective Tax Rate	0.00%	0.00%	3.58%	3.67%	2.89%	34.76%	3.83%	3.20%	6.69%	4.12%
Return on Invested Capital (ROIC)	0.00%	-3.03%	3.53%	15.76%	15.30%	4.79%	4.95%	27.02%	27.32%	20.41%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	-2.46%	3.66%	15.92%	15.45%	3.44%	7.09%	26.67%	27.05%	16.29%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-3.94%	5.49%	25.50%	24.60%	5.41%	9.24%	34.56%	33.50%	17.88%
Return on Equity (ROE)	0.00%	-6.96%	9.01%	41.26%	39.90%	10.20%	14.19%	61.58%	60.82%	38.29%
Cash Return on Invested Capital (CROIC)	0.00%	-22.39%	-11.61%	2.07%	3.73%	10.12%	14.41%	18.48%	19.08%	21.66%
Operating Return on Assets (OROA)	0.00%	-51.24%	-43.22%	-17.40%	-32.60%	-41.47%	-38.64%	-8.18%	-7.35%	-25.66%
Return on Assets (ROA)	0.00%	-1.81%	2.88%	12.44%	12.26%	1.26%	7.31%	19.80%	20.13%	8.71%
Return on Common Equity (ROCE)	0.00%	0.21%	-0.21%	0.42%	0.92%	0.29%	0.77%	4.24%	6.87%	3.86%
Return on Equity Simple (ROE_SIMPLE)	-1,542.69%	0.00%	526.22%	216.81%	282.56%	0.00%	251.32%	296.76%	205.82%	0.00%
Net Operating Profit after Tax (NOPAT)	-0.68	-6.73	3.60	18	15	5.68	5.08	29	33	24
NOPAT Margin	0.00%	-2.76%	2.99%	14.42%	11.36%	4.28%	3.99%	22.60%	23.97%	17.43%
Net Nonoperating Expense Percent (NNEP)	-0.05%	-0.57%	-0.14%	-0.15%	-0.14%	1.35%	-2.14%	0.35%	0.27%	4.12%
Return On Investment Capital (ROIC_SIMPLE)	-	-1.33%	-	-	-	1.08%	-	-	-	4.28%
Cost of Revenue to Revenue	0.00%	11.77%	12.12%	16.32%	11.23%	11.65%	12.58%	12.85%	10.11%	10.65%
SG&A Expenses to Revenue	0.00%	4.22%	5.68%	6.96%	6.62%	5.63%	7.27%	6.85%	6.81%	6.93%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	0.00%	36.15%	32.35%	32.75%	34.04%	31.42%	32.93%	32.12%	30.95%	30.72%
Earnings before Interest and Taxes (EBIT)	0.35	-150	-59	-25	-41	-64	-54	-11	-12	-41
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	3.93	-145	-55	-21	-38	-61	-50	-8.34	-8.81	-38
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	150.08	57.68	46.80	104.09	14.63	40.49	23.39	40.30
Price to Tangible Book Value (P/TBV)	0.00	0.00	150.08	57.68	46.80	104.09	14.63	40.49	23.39	40.30
Price to Revenue (P/Rev)	1.24	0.95	0.46	0.88	0.86	2.14	0.52	1.45	1.56	2.51
Price to Earnings (P/E)	29.74	60.70	34.40	86.65	60.81	0.00	62.11	144.93	111.77	181.98
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.54%	2.54%	1.57%
Earnings Yield	3.36%	1.65%	2.91%	1.15%	1.64%	0.00%	1.61%	0.69%	0.89%	0.55%
Enterprise Value to Invested Capital (EV/IC)	2.07	1.95	1.51	1.94	2.12	3.38	1.61	2.74	2.73	3.89
Enterprise Value to Revenue (EV/Rev)	2.42	1.96	1.35	1.78	1.59	3.00	1.27	2.23	2.36	3.30
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	141.54	0.00	0.00	74.81	35.27	34.93	14.48	20.61	16.71	19.26
Enterprise Value to Operating Cash Flow (EV/OCF)	4.29	3.64	2.41	3.11	3.47	5.16	2.15	3.74	3.95	5.35
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	94.07	57.61	33.28	10.95	14.42	14.08	17.82
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.06	2.17	2.02	1.88	1.80	1.71	1.52	1.50	1.48	1.36
Long-Term Debt to Equity	2.06	2.17	2.02	1.88	1.80	1.71	1.52	1.50	1.48	1.36
Financial Leverage	1.51	1.60	1.50	1.60	1.59	1.57	1.30	1.30	1.24	1.10
Leverage Ratio	3.36	3.41	3.34	3.37	3.32	3.35	3.11	3.04	2.97	2.90
Compound Leverage Factor	-15.72	0.12	-0.23	-2.50	-1.29	-0.16	-0.61	-7.60	-8.73	-1.03
Debt to Total Capital	67.28%	68.46%	66.83%	65.22%	64.32%	63.16%	60.35%	59.94%	59.64%	57.64%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	67.28%	68.46%	66.83%	65.22%	64.32%	63.16%	60.35%	59.94%	59.64%	57.64%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	33.37%	31.64%	32.87%	33.32%	33.54%	34.86%	36.00%	36.36%	33.97%	36.43%
Common Equity to Total Capital	-0.64%	-0.10%	0.29%	1.46%	2.15%	1.98%	3.65%	3.70%	6.39%	5.93%
Debt to EBITDA	-3.44	-1.61	-1.47	-1.52	-1.32	-1.91	-1.77	-1.93	-2.54	-3.01
Net Debt to EBITDA	-2.93	-1.38	-1.16	-1.24	-1.07	-1.48	-1.25	-1.41	-1.81	-2.00
Long-Term Debt to EBITDA	-3.44	-1.61	-1.47	-1.52	-1.32	-1.91	-1.77	-1.93	-2.54	-3.01
Debt to NOPAT	51.18	-49.95	-668.33	28.58	12.21	7.60	6.62	5.37	4.41	3.54
Net Debt to NOPAT	43.58	-42.77	-524.10	23.23	9.85	5.91	4.67	3.93	3.14	2.35
Long-Term Debt to NOPAT	51.18	-49.95	-668.33	28.58	12.21	7.60	6.62	5.37	4.41	3.54
Altman Z-Score	1.26	0.43	0.77	1.27	1.53	2.04	1.03	2.03	1.98	2.54
Noncontrolling Interest Sharing Ratio	0.00%	103.01%	102.28%	98.99%	97.70%	97.18%	94.57%	93.11%	88.71%	89.91%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.88	1.68	3.47	2.31	2.59	2.80	3.69	2.89	2.44	2.65
Quick Ratio	0.52	0.55	1.56	1.00	1.22	1.20	1.97	1.67	1.47	1.84
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-148	-92	-42	15	4.26	7.85	20	53	47	31
Operating Cash Flow to CapEx	2,146.40%	2,291.42%	3,103.40%	2,896.31%	3,328.39%	3,923.86%	3,495.87%	2,982.45%	1,996.06%	2,146.42%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.76	0.84	0.88	0.84	1.05	0.86	0.92	0.90	0.86	0.85
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	27.26	31.58	33.77	36.20	48.02	41.84	45.95	47.77	46.51	43.89
Accounts Payable Turnover	13.01	9.96	11.22	8.86	15.28	12.06	17.27	19.42	14.91	22.75
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	28.07	36.66	32.52	41.18	23.89	30.25	21.13	18.80	24.47	16.05
Cash Conversion Cycle (CCC)	-28.07	-36.66	-32.52	-41.18	-23.89	-30.25	-21.13	-18.80	-24.47	-16.05
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	455	455	423	447	466	453	409	423	452	445
Invested Capital Turnover	1.02	1.10	1.18	1.09	1.35	1.12	1.24	1.20	1.14	1.17
Increase / (Decrease) in Invested Capital	148	85	46	2.38	11	-2.17	-15	-24	-14	-7.26
Enterprise Value (EV)	941	886	638	869	989	1,529	657	1,158	1,233	1,734
Market Capitalization	482	431	216	430	534	1,087	266	754	816	1,321
Book Value per Share	($0.01)	$0.00	$0.01	$0.03	$0.05	$0.05	$0.16	$0.08	$0.20	$0.19
Tangible Book Value per Share	($0.01)	$0.00	$0.01	$0.03	$0.05	$0.05	$0.16	$0.08	$0.20	$0.19
Total Capital	506	505	495	509	532	527	498	503	546	553
Total Debt	340	345	331	332	342	333	300	302	326	319
Total Long-Term Debt	340	345	331	332	342	333	300	302	326	319
Net Debt	290	296	259	270	276	259	212	221	232	211
Capital Expenditures (CapEx)	3.24	3.10	2.12	2.52	2.25	2.10	2.13	2.59	3.89	4.40
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-27	-30	-21	-27	-25	-26	-24	-28	-30	-33
Debt-free Net Working Capital (DFNWC)	24	20	51	35	41	47	65	53	44	55
Net Working Capital (NWC)	24	20	51	35	41	47	65	53	44	55
Net Nonoperating Expense (NNE)	-0.11	-1.44	-0.33	-0.41	-0.40	3.74	-5.05	0.87	0.69	9.68
Net Nonoperating Obligations (NNO)	290	296	259	270	276	259	212	221	232	211
Total Depreciation and Amortization (D&A)	3.57	4.27	4.16	3.83	3.71	3.46	3.28	3.09	2.89	2.78
Debt-free, Cash-free Net Working Capital to Revenue	-6.89%	-6.53%	-4.36%	-5.51%	-4.11%	-5.20%	-4.65%	-5.39%	-5.81%	-6.33%
Debt-free Net Working Capital to Revenue	6.07%	4.44%	10.75%	7.24%	6.54%	9.33%	12.54%	10.17%	8.37%	10.46%
Net Working Capital to Revenue	6.07%	4.44%	10.75%	7.24%	6.54%	9.33%	12.54%	10.17%	8.37%	10.46%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.04)	$0.00	$0.02	$0.14	$0.13	($0.35)	$0.29	$0.16	$0.21	($0.30)
Adjusted Weighted Average Basic Shares Outstanding	13.97M	13.91M	15.04M	15.63M	16.77M	16.39M	19.21M	19.68M	20.25M	20.15M
Adjusted Diluted Earnings per Share	($0.04)	$0.00	$0.02	$0.14	$0.13	($0.35)	$0.10	$0.16	$0.21	($0.11)
Adjusted Weighted Average Diluted Shares Outstanding	13.97M	84.26M	15.19M	15.87M	17.06M	16.39M	86.24M	19.68M	20.25M	20.15M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	219.17M	109.79M	219.58M	221.04M	221.34M	110.92M	222.52M	172.51M	172.43M	86.40M
Normalized Net Operating Profit after Tax (NOPAT)	-0.68	-6.73	3.60	18	15	5.68	7.89	29	33	24
Normalized NOPAT Margin	0.00%	-2.76%	2.99%	14.42%	11.36%	4.28%	6.19%	22.57%	24.01%	17.46%
Pre Tax Income Margin	0.00%	-2.14%	3.39%	15.32%	12.01%	2.24%	8.27%	22.64%	25.15%	10.74%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	2.66%	39.19%	9.61%	47.42%	31.73%	25.91%	40.71%	60.94%	61.85%	53.40%
Augmented Payout Ratio	2.66%	112.84%	9.61%	49.32%	31.73%	25.91%	40.71%	65.52%	66.80%	57.63%

Frequently Asked Questions About OppFi's Financials

When does OppFi's fiscal year end?

According to the most recent income statement we have on file, OppFi's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has OppFi's net income changed over the last 2 years?

OppFi's net income appears to be on an upward trend, with a most recent value of $83.84 million in 2024, rising from $3.34 million in 2022. The previous period was $39.48 million in 2023.

What is OppFi's operating income?

OppFi's total operating income in 2024 was $94.54 million, based on the following breakdown:

Total Gross Profit: $465.45 million
Total Operating Expenses: $166.47 million

How has OppFi revenue changed over the last 2 years?

Over the last 2 years, OppFi's total revenue changed from $452.86 million in 2022 to $525.96 million in 2024, a change of 16.1%.

How much debt does OppFi have?

OppFi's total liabilities were at $406.96 million at the end of 2024, a 0.1% decrease from 2023, and a 3.3% decrease since 2022.

How much cash does OppFi have?

In the past 2 years, OppFi's cash and equivalents has ranged from $16.24 million in 2022 to $61.34 million in 2024, and is currently $61.34 million as of their latest financial filing in 2024.

How has OppFi's book value per share changed over the last 2 years?

Over the last 2 years, OppFi's book value per share changed from 0.00 in 2022 to 0.19 in 2024, a change of -8,365.2%.

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This page (NYSE:OPFI) was last updated on 4/13/2025 by MarketBeat.com Staff

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OppFi (OPFI) Financials

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OppFi (OPFI) Financials

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