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OppFi Inc.

OPFI Clue Score74
United States Fiscal year ends December CIK 0001818502
$5.93 -2.63% Close, 9 Oct 2026
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Price $5.93 −20.72% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 20 Nov 2020. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Operating incomeNet income
Fiscal year 2019Operating income33.0Net income33.0EPS, diluted0.00Fiscal year 2020Operating income77.5Net income77.5 +134.9%EPS, diluted0.00Fiscal year 2021Operating income57.3Net income25.6 −67.0%EPS, diluted0.48Fiscal year 2022Operating income−6.3Net income7.1 −72.2%EPS, diluted0.05Fiscal year 2023Operating income46.4Net income−1.0 −114.2%EPS, diluted−0.06Fiscal year 2024Operating income94.5Net income7.3EPS, diluted0.36Fiscal year 2025Operating income166.7Net income26.3 +262.8%EPS, diluted0.99
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating income 33.0 77.5 57.3 −6.3 46.4 94.5 166.7
Net income 33.0 77.5 25.6 7.1 −1.0 7.3 26.3
Growth +134.9% −67.0% −72.2% −114.2% +262.8%
EPS, diluted 0.00 0.00 0.48 0.05 −0.06 0.36 0.99

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2019Operating cash flow148.9Capital expenditure−6.6Free cash flow142.3Fiscal year 2020Operating cash flow192.1Capital expenditure−10.7Free cash flow181.4 +27.5%Buybacks0.0Fiscal year 2021Operating cash flow167.3Capital expenditure−14.4Free cash flow153.0 −15.7%Buybacks0.0Fiscal year 2022Operating cash flow243.3Capital expenditure−13.3Free cash flow230.0 +50.4%Buybacks−2.5Dividends paid0.0Fiscal year 2023Operating cash flow296.1Capital expenditure−9.0Free cash flow287.2 +24.8%Buybacks0.0Dividends paid0.0Fiscal year 2024Operating cash flow323.8Capital expenditure−13.0Free cash flow310.8 +8.2%Buybacks−3.6Dividends paid−2.4Fiscal year 2025Operating cash flow401.3Capital expenditure−19.1Free cash flow382.2 +23.0%Buybacks−15.5Dividends paid−6.4
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 148.9 192.1 167.3 243.3 296.1 323.8 401.3
Capital expenditure −6.6 −10.7 −14.4 −13.3 −9.0 −13.0 −19.1
Free cash flow 142.3 181.4 153.0 230.0 287.2 310.8 382.2
Growth +27.5% −15.7% +50.4% +24.8% +8.2% +23.0%
Buybacks n/a 0.0 0.0 −2.5 0.0 −3.6 −15.5
Dividends paid n/a n/a n/a 0.0 0.0 −2.4 −6.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2019Cash36.0Fiscal year 2020Cash25.6Shareholders’ equity5.0Fiscal year 2021Cash25.1Total debt50.0Net cash (debt)−24.9Shareholders’ equity−9.0Fiscal year 2022Cash16.2Shareholders’ equity−0.5Fiscal year 2023Cash31.8Shareholders’ equity10.4Fiscal year 2024Cash61.3Shareholders’ equity32.8Fiscal year 2025Cash49.5Shareholders’ equity58.5
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 36.0 25.6 25.1 16.2 31.8 61.3 49.5
Total debt n/a n/a 50.0 n/a n/a n/a n/a
Net cash (debt) n/a n/a −24.9 n/a n/a n/a n/a
Shareholders’ equity n/a 5.0 −9.0 −0.5 10.4 32.8 58.5

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
0.0% 0.0% 0.3% −9.0% 5.6% 4.8% 6.3%
Returns
n/a 1,550.3% n/a n/a −9.6% 22.1% 45.0%
n/a 27.1% 5.1% 1.2% −0.2% 1.1% 3.5%
Balance and payout
n/a 65.2% 68.6% 72.6% 67.7% 63.5% 59.0%
n/a n/a n/a 0.0% n/a 32.7% 24.4%
n/a 0.0% 0.0% 1.1% 0.0% 1.9% 5.7%