Growth & profitability
- Free cash flow has grown 25.7% per year over the past 4 years.
Shareholder returns
- Dividends have been paid for 2 consecutive years, consuming 24.4% of earnings and 1.7% of free cash flow.
OPFI Financials OppFi Inc.
5 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $26M | — | — | 45.0% | 3.5% | $382M | — | $49M |
| 2024 | — | $7M | — | — | 22.1% | 1.1% | $311M | — | $61M |
| 2023 | — | -$1M | — | — | -9.6% | -0.2% | $287M | — | $32M |
| 2022 | — | $7M | — | — | -1436.8% | 1.2% | $230M | — | $16M |
| 2021 | — | $26M | — | — | -282.7% | 5.1% | $153M | $50M | $25M |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $15M | — | — | 3.6% | 1.9% | $87M | — | $64M |
| Mar '26 | — | $28M | — | — | 37.5% | 3.9% | $86M | — | $64M |
| Dec '25 | — | $17M | — | — | 28.8% | 2.2% | $112M | — | $49M |
| Sep '25 | — | $42M | — | — | 84.2% | 5.8% | $100M | — | $45M |
| Jun '25 | — | -$21M | — | — | -155.6% | -3.1% | $91M | — | $45M |
| Mar '25 | — | -$11M | — | — | -50.4% | -1.8% | $79M | — | $58M |
| Dec '24 | — | -$6M | — | — | -17.1% | -0.9% | $90M | — | $61M |
| Sep '24 | — | $4M | — | — | 12.2% | 0.7% | $74M | — | $45M |
| Jun '24 | — | $3M | — | — | 16.5% | 0.5% | $75M | — | $47M |
| Mar '24 | — | $6M | — | — | 30.5% | 1.0% | $72M | — | $47M |
| Dec '23 | — | -$6M | — | — | -53.3% | -0.9% | $80M | — | $32M |
| Sep '23 | — | $2M | — | — | 19.0% | 0.4% | $73M | — | $31M |
| Jun '23 | — | $2M | — | — | 28.8% | 0.4% | $70M | — | $27M |
| Mar '23 | — | $251000 | — | — | 17.5% | 0.0% | $64M | — | $32M |
| Dec '22 | — | $3M | — | — | -634.6% | 0.5% | $68M | — | $16M |
| Sep '22 | — | -$571000 | — | — | 17.6% | -0.1% | $66M | — | $14M |
| Jun '22 | — | $3M | — | — | -87.0% | 0.6% | $55M | — | $23M |
| Mar '22 | — | $1M | — | — | -12.3% | 0.2% | $41M | — | $27M |
| Dec '21 | — | $11M | — | — | -126.4% | 2.3% | $43M | $50M | $25M |
| Sep '21 | — | $14M | — | — | -60.9% | 3.2% | $31M | $50M | $28M |
Valuation over time
How the market has priced OPFI against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has fallen from 13.5× (Mar '23) to 10.1× (Nov '26).
- The dividend yield has risen from 0.7% (Dec '24) to 2.4% (Nov '26).
P/E
Dividend yield %
Frequently asked questions
Is OPFI growing its revenue and profit?
See the revenue and net-income charts above for OppFi Inc.'s multi-year trend.
How much debt does OPFI have?
As of FY2025, OppFi Inc. reported — of total debt against $49M of cash.
What is OPFI's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is OPFI's P/E ratio?
OppFi Inc.'s P/E (TTM) is 2.62 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the OPFI stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 10.1× as of Nov '26) can differ. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.