OPFINYSEFinance ServicesFiscal year ends December 31
OppFi Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$5.56−0.09 (-1.59%)
Close on Oct 19, 2026
- Market cap
- $478.37M
- P/E (TTM)
- 5.6
- Dividend yield
- 4.50%
Margins
Share of revenue, fiscal years 2018 to 2025
Operating margin
43.7%+5.0 pts over 5 years
Net margin
6.9%
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +18.6% | +20.7% | +13.7% | – | |
| Operating income | +76.3% | – | +16.5% | – | |
| Net income | +262.8% | +54.8% | – | – | |
| EPS, diluted | +175.0% | +170.5% | – | – | |
| Free cash flow | +23.0% | +18.4% | +16.1% | – | |
| Dividend per share | +108.3% | – | – | – |
Returns and balance sheet
8 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2018 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 57.7% | |
| Return on assets | – | – | 3.8% | |
| Interest coverage | – | 4.1× | – | |
| Capex to revenue | – | 5.4% | 5.0% | |
| Diluted shares | – | 0M | 27M |
Where the cash went
Fiscal 2021 to 2025, five years combined
OppFi generated $1.43B from operations and spent $99.05M on capital expenditure, dividends and share buybacks. 69% of that went back into the business.
Generated
$1.43B
Used
$99.05M
Capital expenditure$68.74M69%Dividends$8.79M9%Share buybacks$21.53M22%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin6.9%
×Asset turnover0.55×
×Equity multiplier15.29×
=Return on equity, FY202557.7%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 6.9% | 0.55× | 15.29× | 57.7% |
| FY2024 | 2.3% | 0.52× | 28.76× | 33.6% |
| FY2023 | -0.4% | 0.46× | 118.78× | -20.2% |
| FY2022 | 3.3% | 0.40× | -113.48× | -148.9% |
| FY2021 | 9.7% | 0.67× | -195.04× | -1265.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$26.33M
- Cash generatingOperating cash flow above zero$401.31M
- Return on assets improvedROA up on the prior year1.2% → 4.1%
- Earnings backed by cashOperating cash flow above net income$401.31M vs $26.33M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise20M → 27M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.53 → 0.59