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 13.2× (Sep '26).
- The dividend yield has risen from 0.7% (Dec '24) to 1.8% (Sep '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?
As of Sep '26, OppFi Inc. traded at a price-to-earnings ratio of about 13.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. 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), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.