| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 107,803 | 31,870 |
| Change in fair value of finance receivables | -142,187 | -91,655 |
| Provision for credit losses on finance receivables | 0 | 0 |
| Depreciation and amortization | 4,395 | 3,262 |
| Debt issuance cost amortization | 2,557 | 1,687 |
| Stock-based compensation expense | 8,280 | 6,352 |
| Loss on disposition of equipment | -2 | -2 |
| Impairment of right of use asset | 155 | 155 |
| Deferred income taxes | 4,418 | 1,328 |
| Tax receivable agreement liability adjustment | -94 | -47 |
| Change in fair value of warrant liabilities | 23,223 | 54,911 |
| Income from equity method investment | 3,562 | 2,197 |
| Distribution received from equity method investment | 3,868 | 2,817 |
| Accrued interest and fees receivable | 6,187 | 2,916 |
| Settlement receivable | -2,036 | 2,001 |
| Operating lease, net | -192 | -120 |
| Other assets | 4,876 | 4,045 |
| Accounts payable | 2,225 | 1,852 |
| Accrued expenses | -1,945 | -5,302 |
| Net cash provided by operating activities | 284,481 | 179,357 |
| Finance receivables originated and acquired | 587,271 | 367,739 |
| Finance receivables repayments | 383,068 | 261,208 |
| Purchases of equipment and capitalized technology | 14,216 | 9,030 |
| Acquisition of equity method investment | 0 | - |
| Net cash used in investing activities | -218,419 | -115,561 |
| Member distributions | 58,260 | 47,863 |
| Borrowings of senior debt - revolving lines of credit | 195,935 | - |
| Payments of senior debt - revolving lines of credit | 163,919 | - |
| Net advances (payments) of senior debt - revolving lines of credit | - | 17,069 |
| Payments of senior debt - term loan | 30,000 | 30,000 |
| Payments of note payable | 0 | 0 |
| Payments for debt issuance costs | 4,913 | 3,197 |
| Proceeds from employee stock purchase plan | 423 | 91 |
| Exercise of warrants | 4 | 4 |
| Exercise of stock options | 1 | 1 |
| Payments of tax withholding on vesting of restricted stock units | 3,619 | 2,469 |
| Payments on tax receivable agreement liability | 1,041 | 1,041 |
| Purchase of treasury stock | 7,354 | 0 |
| Dividend paid on common stock | 6,414 | 6,414 |
| Net cash used in financing activities | -79,157 | -73,819 |
| Net (decrease) increase in cash and restricted cash | -13,095 | -10,023 |
| Cash and cash equivalents at beginning of period | 88,288 | - |
| Cash and cash equivalents at end of period | 75,193 | - |
OppFi Inc. (OPFI)
OppFi Inc. (OPFI)