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NYSE · FINANCE SERVICES · MID CAP

OppFi Inc. OPFI

7 fiscal years on record · USD · FY2025 reported · SEC filings only
$381.2M
▲ 18.6% YoY
$26.3M
▲ 262.8% YoY
$382.2M
▲ 23.0% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

OppFi operates a lending platform that its bank partners use to provide loan products to consumers, with OppFi facilitating the process and the loan products funded directly by the bank. It manages many aspects of the loan life cycle on behalf of its bank partners, including customer acquisition, underwriting and loan servicing. Its bank partners are FinWise Bank, First Electronic Bank and Capital Community Bank, which began originating loans on the OppFi platform in January 2018, May 2020 and October 2020, respectively. The average installment loan for a new borrower facilitated with the OppLoans platform is approximately $1,950, payable in installments and with an average contractual term of 11 months. Installment loans through the platform carry no origination, late or insufficient funds fees. From inception through December 31, 2025, the company had facilitated more than $8.6 billion in gross loan issuance covering more than 4.7 million loans. As of December 31, 2025, it had served more than 1.6 million unique customers since its inception. The registrant changed its name to OppFi Inc. when the Business Combination was consummated, and the company is headquartered in Chicago, Illinois.

Written from the business description in OppFi Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 12 March 2026. Every sentence was checked against that document before publication.

Growth

USD 381.2M
Revenue, FY2025 · full 7-year series below
Revenue $M Net income $M
FY2025 · Revenue 381.2 · Net income 26.3
150M300M
201920222025
Compound annual growth
+20.7%
+13.7%
+54.8%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +13.7% a year over the five years to FY2025.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

38 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 43.7% · Net 38.4%
20%40%
201920222025
ROE
FY2025 · ROE 57.7%
20%40%
201920222025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 58 cents of profit this year.

Cash & shareholders

USD 21.9M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 382.2
150M300M
201920222025
Net buybacks $M Dividends $M
FY2025 · Dividends 6.4 · Net buybacks 15.5
10M20MDividendsNet buybacks
202020212022202320242025

USD 6.4M in dividends and USD 15.5M in buybacks — 83% of the year's profit went back to shareholders.

Total assetsUSD 754.1M
EquityUSD 58.5M
CashUSD 49.5M

Equity funds 8% of total assets.

The 7-year record

7 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
OPFI, 7-year financial record
Metric 2025202420232022202120202019
Revenue $B0.40.30.30.20.30.20.1
Operating income $B0.20.10.0−0.00.10.10.0
EBITDA $B◌◌0.10.00.10.10.0
Income tax $B0.00.00.0−0.00.00.00.0
Net income $B0.00.0−0.00.00.00.10.0
Free cash flow $B0.40.30.30.20.20.20.1
EPS, diluted $0.990.36−0.060.050.480.000.00
Dividend / sh $0.250.12◌◌◌◌◌
Payout %2433−00———
ROE %57.733.6———◌◌
Shares out B◌◌◌◌0.01◌◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 19 reconciliationsAUDITED

Reconciled in 7 of the 7 fiscal years we could check. 26 checks were skipped: the balance sheet is not tagged before 2020. 12 checks were skipped: EPS is not tagged before 2019.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityFinance Services
Listed onNYSE
Incorporated innot stated in the filings
Fiscal year endsDecember 31
Data on record since2019

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