For the year ending 2025-12-31, OPFI had $4,975K increase in cash & cash equivalents over the period. $382,192K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 146,247 |
| Change in fair value of finance receivables | -215,868 |
| Provision for credit losses on finance receivables | 0 |
| Depreciation and amortization | 5,159 |
| Debt issuance cost amortization | 3,173 |
| Stock-based compensation expense | 9,988 |
| Loss on disposition of equipment | -2 |
| Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment | 0 |
| Impairment of right of use asset | 155 |
| Tax receivable agreement liability adjustment | -1,166 |
| Deferred income taxes | 4,902 |
| Change in fair value of warrant liabilities | 11,347 |
| Gain on forgiveness of debt | 0 |
| Income from equity method investment | 4,974 |
| Distributions received from equity method investment | 5,092 |
| Noncash litigation expense | 4,500 |
| Accrued interest receivable | -283 |
| Settlement receivable | -2,036 |
| Operating lease, net | -276 |
| Other assets | 3,244 |
| Accounts payable | 1,894 |
| Accrued expenses | -2,013 |
| Net cash provided by operating activities | 401,305 |
| Finance receivables acquired and originated | 1,277,945 |
| Finance receivables repayments | 989,254 |
| Purchases of equipment and capitalized technology | 19,113 |
| Acquisition of equity method investment | 0 |
| Net cash used in investing activities | -307,804 |
| Member distributions | 58,500 |
| Payments of secured borrowing payable | 0 |
| Borrowings of senior debt - revolving lines of credit | 253,274 |
| Payments of senior debt - revolving lines of credit | 220,749 |
| Payments of senior debt - term loan | 30,000 |
| Payments of notes payable | 0 |
| Payments for debt issuance costs | 5,407 |
| Proceeds from employee stock purchase plan | 423 |
| Exercise of warrants | 5 |
| Exercise of stock options | 1 |
| Payments of tax withholdings on vesting of restricted stock units | 4,601 |
| Payments on tax receivable agreement liability | 1,041 |
| Purchase of treasury stock | 15,517 |
| Dividend paid on common stock | 6,414 |
| Net cash used in financing activities | -88,526 |
| Net increase in cash and restricted cash | 4,975 |
| Beginning | 88,288 |
| Ending | 93,263 |
OppFi Inc. (OPFI)
OppFi Inc. (OPFI)