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 →
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | — | $26M | — | — | $382M | — | $49M |
| 2024 | — | $7M | — | — | $311M | — | $61M |
| 2023 | — | -$1M | — | — | $287M | — | $32M |
| 2022 | — | $7M | — | — | $230M | — | $16M |
| 2021 | — | $26M | — | — | $153M | $50M | $25M |
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | — | $28M | — | — | $86M | — | $64M |
| Dec '25 | — | $17M | — | — | $112M | — | $49M |
| Sep '25 | — | $42M | — | — | $100M | — | $45M |
| Jun '25 | — | -$21M | — | — | $91M | — | $45M |
| Mar '25 | — | -$11M | — | — | $79M | — | $58M |
| Dec '24 | — | -$6M | — | — | $90M | — | $61M |
| Sep '24 | — | $4M | — | — | $74M | — | $45M |
| Jun '24 | — | $3M | — | — | $75M | — | $47M |
| Mar '24 | — | $6M | — | — | $72M | — | $47M |
| Dec '23 | — | -$6M | — | — | $80M | — | $32M |
| Sep '23 | — | $2M | — | — | $73M | — | $31M |
| Jun '23 | — | $2M | — | — | $70M | — | $27M |
| Mar '23 | — | $251000 | — | — | $64M | — | $32M |
| Dec '22 | — | $3M | — | — | $68M | — | $16M |
| Sep '22 | — | -$571000 | — | — | $66M | — | $14M |
| Jun '22 | — | $3M | — | — | $55M | — | $23M |
| Mar '22 | — | $1M | — | — | $41M | — | $27M |
| Dec '21 | — | $11M | — | — | $43M | $50M | $25M |
| Sep '21 | — | $14M | — | — | $31M | $50M | $28M |
| Jun '21 | — | -$16M | — | — | $36M | — | — |
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 risen from 7.6× (Mar '23) to 9.5× (Jun '26).
- The dividend yield has risen from 1.2% (Dec '24) to 2.6% (Jun '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 Jun '26, OppFi Inc. traded at a price-to-earnings ratio of about 9.5× (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.