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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
OppFi Inc. Cash Flow Statement
OPFI • NYSE
| OppFi Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 |
|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||
146.2M | 83.8M | -1M | 3.3M | 89.8M | 77.5M | 33M | 9.7M | |
5.2M | 9.6M | 12.7M | 13.6M | 10.3M | 6.7M | 4.3M | 2.4M | |
4.9M | 3.5M | 1.8M | -589K | -248K | 0.0 | 114.3M | 0.0 | |
10M | 5.3M | 4.1M | 3.4M | 3M | 144K | 66K | 0.0 | |
236.3M | 214.8M | 280.5M | 232.9M | 60.6M | 92.7M | 1.8M | 59.3M | |
(6.1M) | (475K) | (73K) | (356K) | (0.0) | (0.0) | (0.0) | (0.0) | |
-1.3M | 6.8M | -2M | -9.3M | 3.9M | 15M | -4.5M | -8.4M | |
401.3M | 323.8M | 296.1M | 243.3M | 167.3M | 192.1M | 148.9M | 63M | |
INVESTING ACTIVITIES | ||||||||
(0.0) | -13M | -9M | -13.3M | -14.4M | -10.7M | -6.6M | -4.1M | |
(0.0) | (0.0) | (0.0) | -1.3M | (0.0) | (0.0) | (0.0) | (0.0) | |
-307.8M | -230.4M | -235.3M | -302.7M | -185.1M | -87.6M | -207.5M | -119.5M | |
-307.8M | -243.4M | -244.3M | -317.2M | -199.5M | -98.3M | -214.2M | -123.6M | |
FINANCING ACTIVITIES | ||||||||
-15.1M | -3.6M | 387K | -2.5M | 0.0 | 0.0 | 0.0 | 0.0 | |
-2.9M | -15.8M | -15.7M | 69.4M | 123.4M | -66M | 0.0 | 0.0 | |
-64.9M | -2.4M | -10.2M | -1.3M | -51M | -15.8M | -9.5M | -2.3M | |
-15.5M | -3.6M | (0.0) | -2.5M | (0.0) | (0.0) | (0.0) | (0.0) | |
-5.6M | -44.3M | -2M | -4.4M | -23.5M | -2.4M | 87.5M | 75.2M | |
-88.5M | -66M | -27.6M | 61.3M | 48.8M | -84.1M | 78M | 72.8M | |
CASH FLOW SUMMARY | ||||||||
5M | 14.3M | 24.3M | -12.7M | 16.7M | 9.7M | 12.8M | 12.2M | |
88.3M | 73.9M | 49.7M | 62.4M | 45.7M | 36M | 23.2M | 11M | |
93.3M | 88.3M | 73.9M | 49.7M | 62.4M | 45.7M | 36M | 23.2M | |
382.2M | 310.8M | 287.2M | 230M | 153M | 181.4M | 142.3M | 58.9M |
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
Continue your OPFI research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.