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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
-$8,074K
Free Cash flow
$87,407K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Finance receivables repayments
Borrowings of senior debt - revo...
Net income
Others
Negative Cash Flow Breakdown
Finance receivables acquired
Payments of senior debt - revolv...
Payments on tax receivable agree...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
15,612
54,038
38,444
75,933
Change in fair value of finance receivables
-58,999
-64,583
-73,681
-50,532
Provision for credit losses on finance receivables
-
-
0
0
Depreciation and amortization
1,509
591
764
1,133
Debt issuance cost amortization
730
605
616
870
Stock-based compensation expense
3,080
1,669
1,708
1,928
Loss on disposition of equipment
0
0
0
0
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
0
0
0
0
Deferred income taxes
2,139
467
484
4,418
Tax receivable agreement liability adjustment
0
146
-1,072
-47
Change in fair value of warrant liabilities
-201
-21,295
-11,876
-31,688
Gain on forgiveness of debt
-
-
0
-
Income from equity method investment
813
1,120
1,412
1,365
Distributions received from equity method investment
0
1,051
1,224
1,051
Noncash litigation expense
-
-
4,500
-
Accrued interest receivable
328
4,616
-6,470
3,271
Settlement receivable
0
0
0
-4,037
Operating lease, net
-86
-85
-84
-72
Other assets
-8,772
402
-1,632
831
Accounts payable
-718
-929
-331
373
Accrued expenses
3,338
-3,632
-68
3,357
Net cash provided by operating activities
92,033
90,779
116,824
105,124
Finance receivables acquired
329,367
226,088
690,674
219,532
Finance receivables repayments
276,948
209,799
606,186
121,860
Purchases of equipment and capitalized technology
4,626
5,147
4,897
5,186
Acquisition of equity method investment
-
-
0
0
Net cash used in investing activities
-57,045
-21,436
-89,385
-102,858
Member distributions
12,446
10,368
240
10,397
Payments of secured borrowing payable
-
-
0
-
Borrowings of senior debt - revolving lines of credit
46,956
44,567
57,339
195,935
Payments of senior debt - revolving lines of credit
54,763
81,660
56,830
163,919
Payments of senior debt - term loan
0
0
0
0
Payments of notes payable
-
-
0
0
Payments for debt issuance costs
142
61
494
1,716
Proceeds from employee stock purchase plan
0
253
0
332
Exercise of warrants
0
0
1
0
Exercise of stock options
0
-
0
0
Payments of tax withholding on vesting of restricted stock units
1,010
877
982
1,150
Payments on tax receivable agreement liability
20,408
4,595
0
0
Purchase of treasury stock
1,249
9,945
8,163
7,354
Dividend paid on common stock
0
-
0
0
Net cash used in financing activities
-43,062
-62,686
-9,369
-5,338
Net decrease in cash and restricted cash
-8,074
6,657
18,070
-3,072
Beginning
99,920
93,263
75,193
88,288
Ending
91,846
99,920
93,263
75,193
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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Cash Flow
Change in fair value of
finance receivables
-$58,999K
(35.63%↑ Y/Y)
Net income
$15,612K
(-51.01%↓ Y/Y)
Other assets
-$8,772K
(-316.86%↓ Y/Y)
Accrued expenses
$3,338K
(162.96%↑ Y/Y)
Stock-based compensation
expense
$3,080K
(-51.51%↓ Y/Y)
Deferred income taxes
$2,139K
(61.07%↑ Y/Y)
Depreciation and
amortization
$1,509K
(-53.74%↓ Y/Y)
Debt issuance cost
amortization
$730K
(-56.73%↓ Y/Y)
Net cash provided by
operating activities
$92,033K
(-48.69%↓ Y/Y)
Canceled cashflow
$2,146K
Net decrease in cash
and restricted cash
-$8,074K
(19.45%↑ Y/Y)
Canceled cashflow
$92,033K
Finance receivables
repayments
$276,948K
(6.03%↑ Y/Y)
Borrowings of senior debt -
revolving lines of credit
$46,956K
Income from equity
method investment
$813K
(-62.99%↓ Y/Y)
Accounts payable
-$718K
(-138.77%↓ Y/Y)
Accrued interest
receivable
$328K
(-88.75%↓ Y/Y)
Change in fair value of
warrant liabilities
-$201K
(-100.37%↓ Y/Y)
Operating lease, net
-$86K
(28.33%↑ Y/Y)
Net cash used in
investing activities
-$57,045K
(50.64%↑ Y/Y)
Canceled cashflow
$276,948K
Net cash used in
financing activities
-$43,062K
(41.67%↑ Y/Y)
Canceled cashflow
$46,956K
Finance receivables
acquired
$329,367K
(-10.43%↓ Y/Y)
Purchases of equipment and
capitalized technology
$4,626K
(-48.77%↓ Y/Y)
Payments of senior debt -
revolving lines of credit
$54,763K
Payments on tax
receivable agreement...
$20,408K
(1860.42%↑ Y/Y)
Member distributions
$12,446K
(-74.00%↓ Y/Y)
Purchase of treasury
stock
$1,249K
Payments of tax
withholding on vesting of...
$1,010K
(-59.09%↓ Y/Y)
Payments for debt
issuance costs
$142K
(-95.56%↓ Y/Y)
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OppFi Inc. (OPFI)
OppFi Inc. (OPFI)