Financial insights of OPFI

MyFinsight

For the quarter ending 2025-09-30, OPFI made $104,557K in revenue. $41,635K in net income. Net profit margin of 39.82%.

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

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Net revenue	104,557	100,246	90,810	91,165
Salaries and employee benefits	14,513	17,754	13,778	13,803
Direct marketing costs	14,514	11,890	10,288	13,570
Technology costs	-	-	-	3,041
Interest expense and amortized debt issuance costs	10,079	9,639	10,247	11,285
Professional fees	6,100	4,792	4,199	5,714
Technology costs	3,131	3,382	2,961	-
Payment processing fees	1,712	1,527	1,630	1,725
Depreciation and amortization	1,133	1,502	1,760	2,280
Occupancy	1,030	1,030	1,039	1,005
Exit costs, net	0	-1	-1,448	61
General, administrative and other	3,900	3,923	3,864	3,589
Total expenses	56,112	55,438	48,318	56,073
Income from operations	48,445	44,808	42,492	35,092
Change in fair value of warrant liabilities	-31,688	33,304	21,607	1,445
Income from equity method investment	1,365	1,121	1,076	627
Other income	82	79	80	80
Income before income taxes	81,580	12,704	22,041	34,354
Income tax expense	5,647	1,224	1,651	2,297
Net income	75,933	11,480	20,390	32,057
Less net income attributable to noncontrolling interest	34,298	32,260	31,762	27,793
Net income attributable to oppfi inc	41,635	-20,780	-11,372	4,264

Basic (in dollars per share)	1.48	-0.78	-0.48	0.21
Basic (in shares)	28,163,404	26,610,330	23,691,769	20,248,004
Diluted (in dollars per share)	0.77	-0.78	-0.48	0.21
Diluted (in shares)	88,236,591	26,610,330	23,691,769	20,248,004