opfi: the income statement

MyFinsight

OppFi Inc. (OPFI)

For the quarter ending 2025-06-30, OPFI made $101,445K in revenue. -$20,780K in net income. Net profit margin of -20.48%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30	2025-03-31	2024-09-30	2024-06-30
Charge-offs, net	-	-48,512	-	-
Net change in fair value	-	-946	-	-
Net revenue	100,246	90,810	91,165	86,281
Technology costs	-	-	3,041	2,963
Professional fees	4,792	4,199	5,714	4,798
Occupancy	1,030	1,039	1,005	1,042
Direct marketing costs	11,890	10,288	13,570	12,808
Salaries and employee benefits	17,754	13,778	13,803	16,227
General, administrative and other	3,923	3,864	3,589	3,859
Depreciation and amortization	1,502	1,760	2,280	2,490
Exit costs, net	-1	-1,448	61	-33
Technology costs	3,382	2,961	-	-
Payment processing fees	1,527	1,630	1,725	1,676
Interest expense and amortized debt issuance costs	9,639	10,247	11,285	10,964
Total expenses	55,438	48,318	56,073	56,794
Income from operations	44,808	42,492	35,092	29,487
Income from equity method investment	1,121	1,076	627	-
Change in fair value of warrant liabilities	33,304	21,607	1,445	976
Other income	79	80	80	79
Income before income taxes	12,704	22,041	34,354	28,590
Income tax expense	1,224	1,651	2,297	914
Net income	11,480	20,390	32,057	27,676
Less net income attributable to noncontrolling interest	32,260	31,762	27,793	24,610
Net (loss) income attributable to oppfi inc	-20,780	-11,372	4,264	3,066

Basic (in dollars per share)	-0.78	-0.48	0.21	0.16
Basic (in shares)	26,610,330	23,691,769	20,248,004	19,675,934
Diluted (in dollars per share)	-0.78	-0.48	0.21	0.16
Diluted (in shares)	26,610,330	23,691,769	20,248,004	19,675,934

Unit: Thousand (K) dollars (except for numbers of shares and EPS)