OppFi Inc. Class A (OPFI) Financials

$7.42

$0.10 (1.37%)

As on 04-Sep-2026 16:02EDT

Market cap

$624 Mln

Revenue (TTM)

$544 Mln

P/E Ratio

2.4

P/B Ratio

1.4

Div. Yield

0 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	544.27	597.05	525.96	508.95	452.86	350.57
Cost of Revenue	-7.73	29.34	105.18	107.43	95.14	89.17
Gross Profit	619.12	567.71	420.78	401.52	357.72	261.40
Operating Expenses	415.33	374.46	326.24	355.16	364.06	204.14
Operating Profit (EBIT)	203.80	193.25	94.54	46.36	-6.34	57.26
Other Income	--	--	--	--	32.85	32.85
Profit before Tax	204.85	156.13	88.05	41.81	3.06	90.11
Provision for Tax	20.83	9.89	4.22	2.33	-0.28	0.31
Profit after Tax (Net Income)	101.72	26.33	7.26	-1.01	7.10	25.55
Minority Interest	-81.53	-119.92	-76.58	-24.64	64.24	64.24
Consolidated Profit	58.48	26.33	7.26	-1.01	25.55	25.55

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	414.26	58.48	32.77	10.44	-0.49	157.88
Minority Interest	-81.53	--	--	--	166.92	166.92
Non-Current Liabilities	355.35	359.23	347.16	356.04	365.51	286.09
Current Liabilities	1.13	85.98	59.80	51.47	55.18	58.14
Total Liabilities	771.86	754.09	641.17	601.54	579.84	502.11

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	145.72	114.59	77.15	62.27	69.68	51.63
Current Assets	64.35	639.50	564.02	539.28	510.16	450.47
Total Assets	835.08	754.09	641.17	601.54	579.84	502.11
Total Debt*	293.59	332.78	332.05	349.18	363.62	296.46
Net Current Assets	--	553.52	504.22	487.80	480.60	392.33

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	401.31	323.81	296.15	243.30	167.35
Cash Flow from Investing Activities	--	-307.80	-243.44	-244.29	-199.47	-199.47
Cash from Financing Activities	--	-88.53	-66.02	-27.58	61.26	48.83
Net Cash Inflow / Outflow	--	--	--	--	16.71	16.71

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	3.44	0.99	0.34	-0.06	0.42	1.91
Cash EPS ($)	3.04	1.19	0.79	0.68	1.23	2.68
Adjusted Book Value ($)	4.86	2.21	1.53	0.58	--	11.81
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	15.14	15.10	16.37	14.44	12.52
Free Cash Flow per Share ($)	--	14.42	14.49	15.88	13.65	11.45

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	6.96	2.00	-0.28	1.74	7.02
ROE (%)	8.54	57.70	33.59	-20.21	9.02	19.87
ROA (%)	12.91	3.77	1.17	-0.17	1.31	6.49
EBIT Margin (%)	21.43	32.74	56.84	54.58	51.05	25.74
Net Margin (%)	18.69	4.41	1.38	-0.20	1.46	6.66
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	-1.94	0.14	0.03	0.12	0.29	0.20
EBIT Growth (%)	-65.60	-34.61	7.63	20.15	156.18	-6.77
Net Profit Growth (%)	113.94	262.76	822.19	-114.16	-72.22	-67.03
EPS Growth (%)	362.53	1.93	7.09	-1.13	-0.78	-0.68
Book Value Growth (%)	859.65	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	2.41	10.53	22.63	-92.15	4.87	2.37
Price / Book Value	1.41	4.74	5.01	8.87	-69.93	0.38
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	2.06	2.79	1.41	1.27	1.56	3.30
Close Price ($)	9.93	10.46	7.66	5.12	2.05	4.54
High Price ($)	14.97	17.73	8.54	5.34	6.68	11.60
Low Price ($)	7.36	6.81	2.35	1.70	1.87	4.11
Market Cap ($ Cr)	623.72	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	--	5.69	10.13	33.45	-736.07	1.88
Short term debt to equity ratio	0.00	1.13	--	0.14	-38.32	0.14
Current Ratio	57.15	7.44	9.43	10.48	9.24	7.75
Quick Ratio	57.15	--	--	11.30	--	--
Interest Coverage	6.67	4.97	1.64	5.94	6.57	658.71

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	91.19	91.49	90.45	91.43	101.56	110.71
Asset Turnover	0.69	0.86	0.85	0.86	0.84	0.89
Receivable days	--	312.60	326.76	332.01	341.99	317.96
Inventory Days	--	--	-146.37	-143.31	--	--
Payable days	--	22.73	9.24	18.33	23.88	15.32
Cash Conversion Cycle	--	--	171.14	170.38	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.