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OppFi Inc. (OPFI)
Financial Services · Credit Services · NYSE
OppFi Inc. revenue & earnings — last 7 fiscal years
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $452.86M | $508.95M | $525.96M | $597.05M |
| Gross profit | — | — | — | $357.72M | $401.52M | $420.78M | $496.99M |
| Net income | $32.99M | $77.52M | $25.55M | $7.10M | $-1.00M | $7.26M | $26.33M |
| Net margin | — | — | — | 1.6% | -0.2% | 1.4% | 4.4% |
Source: OppFi Inc. SEC filings (10-K).
What growth is priced into OPFI stock?
At today's market cap of $1.17B, OppFi Inc. is priced for free-cash-flow growth of about -20.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $382.19M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 16.1%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 7 years of OppFi Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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OppFi Inc. financial history by metric
About OppFi Inc.
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
OppFi Inc. — frequently asked questions
What is OppFi Inc.'s revenue?
OppFi Inc. (OPFI) reported revenue of $597.05M for fiscal year 2025, up 13.5% from the prior year, according to its SEC filings.
Is OppFi Inc. profitable?
Yes. OPFI earned net income of $26.33M in fiscal 2025, a net margin of 4.4%.
What is OPFI's P/E ratio?
OppFi Inc. trades at a price-to-earnings ratio of about 4.0 based on the latest data in our nightly-refreshed cache.
How much debt does OppFi Inc. have?
As of fiscal year 2025, OPFI carried roughly $321.35M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is OppFi Inc.'s gross margin?
OPFI's gross margin was 83.2% in fiscal 2025 — gross profit of $496.99M on revenue of $597.05M.
What is OppFi Inc.'s market cap?
OppFi Inc. (OPFI) has a market capitalization of about $1.17B, based on the latest data in our nightly-refreshed cache.
When does OppFi Inc.'s fiscal year end?
OPFI's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into OPFI stock?
At today's market cap of $1.17B, OppFi Inc. is priced for free-cash-flow growth of about -20.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $382.19M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 16.1%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from OppFi Inc.'s official SEC filings (10-K and 10-Q), covering 7 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.