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Balance Sheet
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Income Overview
Revenue
$87,298K
Net Income
$28,401K
Net Profit Margin
32.53%
EPS
$0.56
Unit: Thousand (K) dollars
Revenue Breakdown
Interest on finance receivables
Other revenue
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Page 1
Quarterly
123
Page 1
Income Statement
2026-03-31
2025-12-31
2025-09-30
Net revenue
87,298
67,511*
104,557
Salaries and employee benefits
14,254
17,156*
14,513
Direct marketing costs
10,385
7,348*
14,514
Interest expense and amortized debt issuance costs
8,510
9,130*
10,079
Professional fees
7,264
1,803*
6,100
Technology costs
3,329
3,040*
3,131
Payment processing fees
1,658
1,453*
1,712
Occupancy
871
1,037*
1,030
Exit costs, net
-
-1,449*
0
Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment
-
0*
-
Depreciation and amortization
591
1,760*
1,133
General, administrative and other
5,074
4,890*
3,900
Total expenses
51,936
46,168*
56,112
Income from operations
35,362
21,343*
48,445
Change in fair value of warrant liabilities
-21,295
109,787*
-31,688
Income from equity method investment
1,120
879*
1,365
Other (expense) income, net
-
-1,043*
-
Other income
232
-
82
Income before income taxes
58,009
-88,608*
81,580
Income tax expense
3,971
-7,056*
5,647
Net income
54,038
-81,552*
75,933
Less net income attributable to noncontrolling interest
25,637
17,024*
34,298
Net income (gain) attributable to oppfi inc
28,401
-98,576
41,635
Basic EPS
1.06
-3.967
1.48
Diluted EPS
0.56
2.799
0.77
Basic Average Shares
26,778,432
24,849,512
28,163,404
Diluted Average Shares
86,195,269
-35,223,675
88,236,591
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest on finance
receivables
$150,526K
Other revenue
$1,355K
Interest and other income
$151,881K
Net revenue
$87,298K
Change in fair value of
finance receivables
-$64,583K
Income from operations
$35,362K
Change in fair value of
warrant liabilities
-$21,295K
Income from equity
method investment
$1,120K
Other income
$232K
Total expenses
$51,936K
Charge-offs, net
-$64,485K
Net change in fair
value
-$98K
Income before income
taxes
$58,009K
Salaries and employee
benefits
$14,254K
Direct marketing costs
$10,385K
Interest expense and
amortized debt issuance...
$8,510K
Professional fees
$7,264K
General, administrative
and other
$5,074K
Technology costs
$3,329K
Payment processing fees
$1,658K
Occupancy
$871K
Depreciation and
amortization
$591K
Net income
$54,038K
Income tax expense
$3,971K
Net income (gain)
attributable to oppfi inc
$28,401K
Less net income
attributable to...
$25,637K
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OppFi Inc. (OPFI-WT)
OppFi Inc. (OPFI-WT)