OppFi (OPFI) Financial Statements & Analysis

OppFi (OPFI) Income Statement

OppFi reported revenue of $597.05M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 13.5% from $525.96M a year earlier. Net income was $26.33M, up 262.8% year over year, a net margin of 4.4%. Gross margin was 83.2% and operating margin 64.1%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $145.17M, up 1.9% from the same quarter a year earlier.

OppFi Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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OppFi Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Revenue & Gross Profit
Revenue	597.05	525.96	508.95	452.86	350.57	291.01	107.30
Cost of Revenue	100.06	105.18	107.43	95.14	89.17	44.20	0.00
Gross Profit	496.99	420.78	401.52	357.72	261.40	246.82	107.30
Operating Expenses
Research & Development	0.00	21.17	0.00	0.00	0.00	0.00	8.38
Selling, General & Administrative	91.71	89.87	86.66	87.54	88.94	38.11	29.34
Operating Expenses	114.44	121.80	123.75	126.53	118.05	169.30	74.30
Operating Income	382.55	298.98	277.77	231.19	143.35	77.52	32.99
Other Income/Expense
Interest Income	597.05	0.00	0.00	0.00	0.00	0.00	0.00
Interest Expense	39.37	182.23	46.75	32.79	0.14	19.28	0.00
Other Income/Expense	-226.41	-210.93	-235.96	-228.13	-53.11	0.00	0.00
Income
Income Before Tax	156.13	88.05	41.81	3.06	90.11	77.52	32.99
Income Tax Expense	9.89	4.22	2.33	-0.28	0.31	0.00	0.00
Net Income	26.33	7.26	-1.01	7.10	25.55	77.52	32.99
Net Income - Continuous Operations	146.25	83.84	39.48	3.34	89.80	77.52	32.99
Net Income - Discontinued Operations	-	-	-	-	-	-	-
EBITDA	387.71	308.60	290.51	244.77	100.53	103.53	4.28
EBIT	382.55	298.98	277.77	231.19	90.24	77.52	-
Depreciation & Amortization	5.16	9.62	12.74	13.58	10.28	6.73	4.28
Earnings Per Share
Basic EPS	1.00	-	-	1.00	2.00	6.00	3.00
Diluted EPS	1.00	-	-	-	-	6.00	3.00
Basic Shares Outstanding	26.51	20.15	16.39	13.91	13.22	12.98	12.98
Diluted Shares Outstanding	26.51	20.15	16.39	84.26	84.47	12.98	12.98

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About OppFi Financial Statements

What was OppFi's revenue in fiscal 2025?

OppFi reported revenue of $597.05M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 13.5% from $525.96M a year earlier.

Is OppFi profitable?

Yes. OppFi earned net income of $26.33M in fiscal 2025, a net margin of 4.4%. In fiscal 2024 it earned $7.26M.

What is OppFi's operating margin?

OppFi's operating income was $382.55M on revenue of $597.05M in fiscal 2025, an operating margin of 64.1%, compared with 56.8% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition