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Balance Sheet
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Income Overview
Revenue
$86,171K
Net Income
$14,842K
Net Profit Margin
17.22%
EPS
$0.18
Unit: Thousand (K) dollars
Revenue Breakdown
Interest on finance receivables
Other revenue
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net revenue
86,171
87,298
85,569
104,557
Salaries and employee benefits
16,294
14,254
14,650
14,513
Direct marketing costs
11,403
10,385
14,198
14,514
Professional fees
13,613
7,264
5,012
6,100
Interest expense and amortized debt issuance costs
8,125
8,510
9,402
10,079
Technology costs
3,525
3,329
2,959
3,131
Payment processing fees
1,634
1,658
1,720
1,712
Depreciation and amortization
1,509
591
764
1,133
Occupancy
987
871
1,028
1,030
Exit costs, net
-
-
0
0
Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment
-
-
0
-
General, administrative and other
4,726
5,074
4,903
3,900
Total expenses
61,816
51,936
54,636
56,112
Income from operations
24,355
35,362
30,933
48,445
Change in fair value of warrant liabilities
-201
-21,295
-11,876
-31,688
Income from equity method investment
813
1,120
1,412
1,365
Other (expense) income, net
-
-
-4,414
-
Other income
87
232
-
82
Income before income taxes
25,456
58,009
39,807
81,580
Income tax expense
9,844
3,971
1,363
5,647
Net income
15,612
54,038
38,444
75,933
Less net income attributable to noncontrolling interest
770
25,637
21,598
34,298
Net income (loss) attributable to oppfi inc
14,842
28,401
16,846
41,635
Basic EPS
0.22
1.06
0.611
1.48
Diluted EPS
0.18
0.56
0.636
0.77
Basic Average Shares
67,512,878
26,778,432
27,560,329
28,163,404
Diluted Average Shares
86,037,151
86,195,269
26,506,458*
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
$143,726K
(1.83%↑ Y/Y)
Other revenue
$1,444K
(11.16%↑ Y/Y)
Interest and other income
$145,170K
(1.91%↑ Y/Y)
Net revenue
$86,171K
(-14.04%↓ Y/Y)
Change in fair value of
finance receivables
-$58,999K
(-39.82%↓ Y/Y)
Income from operations
$24,355K
(-45.65%↓ Y/Y)
Income from equity
method investment
$813K
(-27.48%↓ Y/Y)
Change in fair value of
warrant liabilities
-$201K
(-100.60%↓ Y/Y)
Other income
$87K
(10.13%↑ Y/Y)
Total expenses
$61,816K
(11.50%↑ Y/Y)
Charge-offs, net
-$57,276K
Net change in fair
value
-$1,723K
Income before income
taxes
$25,456K
(100.38%↑ Y/Y)
Salaries and employee
benefits
$16,294K
(-8.22%↓ Y/Y)
Professional fees
$13,613K
(184.08%↑ Y/Y)
Direct marketing costs
$11,403K
(-4.10%↓ Y/Y)
Interest expense and
amortized debt issuance...
$8,125K
(-15.71%↓ Y/Y)
General, administrative
and other
$4,726K
(20.47%↑ Y/Y)
Technology costs
$3,525K
(4.23%↑ Y/Y)
Payment processing fees
$1,634K
(7.01%↑ Y/Y)
Depreciation and
amortization
$1,509K
(0.47%↑ Y/Y)
Occupancy
$987K
(-4.17%↓ Y/Y)
Net income
$15,612K
(35.99%↑ Y/Y)
Income tax expense
$9,844K
(704.25%↑ Y/Y)
Net income (loss)
attributable to oppfi inc
$14,842K
(171.42%↑ Y/Y)
Less net income
attributable to...
$770K
(-97.61%↓ Y/Y)
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OppFi Inc. (OPFI)
OppFi Inc. (OPFI)