OPFI - NYSE
OppFi Inc.
$8.00
-4.3%OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.
At a Glance
Live SnapshotOppFi Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Profitability Insight
Interest or tax burden: Strong operational performance but thin net margins indicate high interest expenses or unfavorable tax position eating into profits.
OppFi Inc. Income Statement
OPFI • NYSE
| OppFi Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 |
|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||
597.1M | 526M | 508.9M | 452.9M | 350.6M | 291M | 229.1M | 54.4M | |
GROSS PROFIT | ||||||||
(29.3M) | (105.2M) | (107.4M) | (95.1M) | (89.2M) | (44.2M) | (23.7M) | (0.0) | |
567.7M | 420.8M | 401.5M | 357.7M | 261.4M | 246.8M | 205.4M | 54.4M | |
OPERATING INCOME | ||||||||
(374.5M) | (326.2M) | (355.2M) | (364.1M) | (204.1M) | (169.3M) | (173.7M) | (44.6M) | |
(87.6M) | (89.9M) | (86.7M) | (87.5M) | (88.9M) | (38.1M) | (47.9M) | (31.2M) | |
(0.0) | (21.2M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (4.9M) | |
193.2M | 94.5M | 46.4M | -6.3M | 57.3M | 77.5M | 33M | 20.8M | |
PRE-TAX INCOME | ||||||||
(39.4M) | (182.2M) | (46.8M) | (35.2M) | (137K) | (19.3M) | (0.0) | (0.0) | |
557.7M | -182.2M | -46.8M | -35.2M | -137K | -21.2M | 0.0 | 0.0 | |
(286.9M) | (215.2M) | (268.5M) | (276.5M) | (115.2M) | (131.2M) | (125.8M) | (0.0) | |
-37.1M | -6.5M | -4.5M | 9.4M | 32.8M | 0.0 | 0.0 | -11M | |
156.1M | 88.1M | 41.8M | 3.1M | 90.1M | 77.5M | 33M | 9.7M | |
NET INCOME | ||||||||
(9.9M) | (4.2M) | (2.3M) | -277K | (311K) | (0.0) | (0.0) | (0.0) | |
26.3M | 7.3M | -1M | 7.1M | 25.6M | 77.5M | 33M | 9.7M |
SEC Filings
OPFI - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 06, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 28, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 28, 2026 | June 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 16, 2026 | April 10, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 11, 2026 | March 11, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 29, 2025 | October 29, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 02, 2025 | September 29, 2025 | 2025 |
Related Guides
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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