For the quarter ending 2025-09-30, OPFI-WT had -$13,095K decrease in cash & cash equivalents over the period. $270,265K in free cash flow.
| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 107,803 |
| Change in fair value of finance receivables | -142,187 |
| Provision for credit losses on finance receivables | 0 |
| Depreciation and amortization | 4,395 |
| Debt issuance cost amortization | 2,557 |
| Stock-based compensation expense | 8,280 |
| Loss on disposition of equipment | -2 |
| Impairment of right of use asset | 155 |
| Deferred income taxes | 4,418 |
| Tax receivable agreement liability adjustment | -94 |
| Change in fair value of warrant liabilities | 23,223 |
| Income from equity method investment | 3,562 |
| Distribution received from equity method investment | 3,868 |
| Accrued interest and fees receivable | 6,187 |
| Settlement receivable | -2,036 |
| Operating lease, net | -192 |
| Other assets | 4,876 |
| Accounts payable | 2,225 |
| Accrued expenses | -1,945 |
| Net cash provided by operating activities | 284,481 |
| Finance receivables originated and acquired | 587,271 |
| Finance receivables repayments | 383,068 |
| Purchases of equipment and capitalized technology | 14,216 |
| Acquisition of equity method investment | 0 |
| Net cash used in investing activities | -218,419 |
| Member distributions | 58,260 |
| Borrowings of senior debt - revolving lines of credit | 195,935 |
| Payments of senior debt - revolving lines of credit | 163,919 |
| Payments of senior debt - term loan | 30,000 |
| Payments of note payable | 0 |
| Payments for debt issuance costs | 4,913 |
| Proceeds from employee stock purchase plan | 423 |
| Exercise of warrants | 4 |
| Exercise of stock options | 1 |
| Payments of tax withholding on vesting of restricted stock units | 3,619 |
| Payments on tax receivable agreement liability | 1,041 |
| Purchase of treasury stock | 7,354 |
| Dividend paid on common stock | 6,414 |
| Net cash used in financing activities | -79,157 |
| Net (decrease) increase in cash and restricted cash | -13,095 |
| Cash and cash equivalents at beginning of period | 88,288 |
| Cash and cash equivalents at end of period | 75,193 |
OppFi Inc. (OPFI-WT)
OppFi Inc. (OPFI-WT)