OppFi Inc. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that OppFi Inc. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $26.33M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $7.26M | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | ($1.01M) | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | $7.10M | Mar 11, 2025 |
| FY2023 | Dec 31, 2021 | $25.55M | Mar 27, 2024 |
| FY2020 | Dec 31, 2020 | ($8.04M) | Apr 27, 2021 |
Operating Income
Profit from core business operations before interest expense and income taxes (also known as EBIT). Excludes non-operating items, making it a cleaner measure of operational efficiency than net income.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $166.68M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $94.54M | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | $46.36M | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | ($6.34M) | Mar 11, 2025 |
| FY2023 | Dec 31, 2021 | $57.26M | Mar 27, 2024 |
| FY2020 | Dec 31, 2020 | ($191.5K) | Apr 27, 2021 |
| FY2021 | Dec 31, 2019 | $33.00M | Mar 22, 2023 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $401.31M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $323.81M | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | $296.15M | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | $243.30M | Mar 11, 2025 |
| FY2023 | Dec 31, 2021 | $167.35M | Mar 27, 2024 |
| FY2020 | Dec 31, 2020 | ($278.5K) | Apr 27, 2021 |
| FY2021 | Dec 31, 2019 | $148.92M | Mar 22, 2023 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $754.09M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $641.17M | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | $601.54M | Mar 11, 2025 |
| FY2023 | Dec 31, 2022 | $579.84M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $502.11M | Mar 29, 2023 |
| FY2021 | Dec 31, 2020 | $285.84M | Mar 22, 2023 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $445.21M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $406.96M | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | $407.51M | Mar 11, 2025 |
| FY2023 | Dec 31, 2022 | $420.69M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $344.23M | Mar 29, 2023 |
| FY2021 | Dec 31, 2020 | $186.51M | Mar 22, 2023 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $58.48M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $32.77M | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | $10.44M | Mar 11, 2025 |
| FY2023 | Dec 31, 2022 | ($494.0K) | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | ($9.04M) | Mar 29, 2023 |
| FY2020 | Dec 31, 2020 | $5.00M | Apr 27, 2021 |
| FY2020 | Oct 2, 2020 | $6.42M | Apr 27, 2021 |
| FY2020 | Jun 23, 2020 | $0 | Apr 27, 2021 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | ($33.51M) | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | ($55.13M) | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | ($63.59M) | Mar 11, 2025 |
| FY2023 | Dec 31, 2022 | ($63.55M) | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | ($70.72M) | Mar 29, 2023 |
| FY2021 | Dec 31, 2020 | $92.32M | Mar 22, 2023 |
| FY2020 | Oct 2, 2020 | ($1.0K) | Apr 27, 2021 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $49.45M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $61.34M | Mar 12, 2026 |
| FY2024 | Dec 31, 2023 | $31.79M | Mar 11, 2025 |
| FY2023 | Dec 31, 2022 | $16.24M | Mar 27, 2024 |
| FY2022 | Dec 31, 2021 | $25.06M | Mar 29, 2023 |
| FY2021 | Dec 31, 2020 | $25.60M | Mar 22, 2023 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2021 | Dec 31, 2021 | $50.00M | Mar 22, 2023 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 0 | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | 0 | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | 0 | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | 0 | Mar 11, 2025 |
| FY2023 | Dec 31, 2021 | 1 | Mar 27, 2024 |
| FY2022 | Dec 31, 2020 | 0 | Mar 29, 2023 |
| FY2021 | Dec 31, 2019 | 0 | Mar 22, 2023 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 0 | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | 0 | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | 0 | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | 0 | Mar 11, 2025 |
| FY2023 | Dec 31, 2021 | 0 | Mar 27, 2024 |
| FY2022 | Dec 31, 2020 | 0 | Mar 29, 2023 |
| FY2021 | Dec 31, 2019 | 0 | Mar 22, 2023 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2022 | Dec 31, 2021 | 13.63M | Mar 29, 2023 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $6.41M | Mar 12, 2026 |
| FY2025 | Dec 31, 2024 | $2.37M | Mar 12, 2026 |
| FY2025 | Dec 31, 2023 | $0 | Mar 12, 2026 |
| FY2024 | Dec 31, 2022 | $0 | Mar 11, 2025 |