OppFi Inc.

OPFI

OppFi Inc.

OPFI

Insider Sentiment (TTM):

Last Purchase:-Last Sale:2026-06-15Shares Purchased (TTM):0Shares Sold (TTM):157,460

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:18,248,010Shares Outstanding:26,778,432Institutional Ownership Pct.:68.14%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Variable Interest Entity Primary Beneficiary	-	0	0	-0	0	0	0	-0	0	0	0	-26
Cash And Cash Equivalents At Carrying Value	64	100	93	45	45	58	88	74	81	47	74	66
Restricted Cash And Cash Equivalents	27	36	44	30	33	33	27	29	34	42	42	35
Insurance Settlements Receivable	-	-	0	0	4	5	2	5	2	2	2	3
Financing Receivable Excluding Accrued Interest Af…	-	-	-	-	-	-	0	0	0	0	0	0
Equity Method Investments	20	19	19	19	19	19	19	19	-	-	0	-
Assets Held For Sale Not Part Of Disposal Group	-	-	-	-	-	-	-	-	-	-	0	0
Deferred Finance Costs Net	-	4	5	5	4	5	3	3	4	3	4	4
Property Plant And Equipment Net	35	32	28	23	19	16	14	11	10	10	10	11
Operating Lease Right Of Use Asset	8	8	9	9	10	10	11	11	11	12	12	13
Deferred Income Tax Assets Net	102	31	33	32	34	28	21	22	25	26	26	25
Other Assets	13	22	21	15	14	12	10	11	10	10	10	12
Assets	771	720	754	721	673	640	641	619	573	563	602	601
Liabilities And Stockhold…
Liabilities
Accounts Payable Current And Noncurrent	1	2	3	3	3	2	1	5	2	4	4	4
Accrued Liabilities Current And Noncurrent	43	40	43	30	27	31	32	26	26	20	22	22
Operating Lease Liability	10	11	11	12	12	13	13	14	14	15	15	16
Senior Notes	276	284	321	321	306	288	319	326	302	300	333	342
Secured Debt	-	-	-	-	-	-	-	-	-	-	0	0
Warrants And Rights Outstanding	5	5	26	38	70	37	15	4	3	2	7	1
Other Notes Payable	-	-	-	-	-	-	0	0	0	1	1	2
Liabilities	356	377	445	443	456	403	407	399	371	366	408	411
Members Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	437	112	114	113	111	101	94	92	81	79	76	72
Retained Earnings Accumulated Deficit	10	-5	-34	-50	-92	-72	-55	-51	-57	-58	-64	-59
Treasury Stock Common Value	-33	-31	-22	-13	-6	-6	-6	-6	-5	-2	-2	-2
Stockholders Equity	414	343	309	277	13	23	234	35	19	18	194	190
Minority Interest	0	267	250	228	204	214	201	185	183	179	184	178
Liabilities And Stockholders Equity	771	720	754	721	673	640	641	619	573	563	602	601
Financing Receivable Allowance For Credit Loss Exc…	-	-	-	-	-	-	-	0	0	0	0	2
Financing Receivable Deferred Income	-	-	-	-	-	-	-	-	-	-	-	0
Common Class A	-	85	0	-1	3	25	0	1	0	19	0	1
Common Class B	-	0	0	0	0	0	0	0	0	0	0	0
Class V Voting Stock	-	0	0	-0	-2	61	0	-26	-0	92	0	-1
Preferred Stock Par Or Stated Value Per Share	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Treasury Stock Common Shares	4	4	3	2	2	2	2	2	1	1	1	1

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-14.16%	-6.17%	-8.80%	-	-	-	-	-	-	-	-	-
2025	9.13%	25.84%	-2.93%	-1.35%	16.91%	-1.64%	4.76%	17.78%	4.87%	-9.40%	14.58%	2.29%
2024	4.19%	9.35%	34.52%	21.37%	24.17%	28.50%	25.54%	17.69%	94.46%	-10.21%	11.23%	41.92%
2023	-	-	-	-	-	-	54.20%	115.13%	43.70%	25.23%	21.88%	36.53%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Per Share Metrics
Diluted EPS TTM	1.11	0.70	0.99	0.04	-0.24	0.74	0.36	3.12	2.37	0.53	2.41	1.18
Free Cash Flow Per Share TTM	5.59	14.51	14.42	9.98	9.57	13.42	15.43	14.87	15.26	15.41	17.52	16.37
Dividend Per Share TTM	0.00	0.24	0.24	0.23	0.24	0.10	0.12	0.12	0.12	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	83.58%	83.80%	84.08%	83.93%	83.53%	83.31%	81.19%	79.99%	78.60%	77.74%	77.79%	77.09%
Operating Profit Margin TTM	38.26%	42.25%	43.73%	42.62%	40.51%	37.74%	29.41%	25.64%	20.30%	17.16%	16.97%	10.95%
Net Profit Margin TTM	26.29%	15.88%	6.91%	0.86%	-1.74%	5.02%	2.26%	20.60%	16.02%	16.36%	14.45%	7.88%
Growth Metrics
Net Revenue Growth (1Y)	0.15%	8.19%	18.57%	22.85%	24.79%	25.02%	17.68%	19.75%	24.94%	24.97%	25.91%	11.07%
Net Income Growth (1Y)	-1,610.49%	242.39%	262.76%	-94.85%	-113.58%	-61.65%	-81.62%	213.09%	1,073.90%	303.36%	456.20%	-21.15%
EPS Growth (1Y)	-695.36%	202.93%	175.71%	-96.30%	-110.04%	-68.91%	-85.04%	159.35%	832.64%	215.82%	372.13%	-34.31%
Valuation Metrics
P/E TTM	7.01	3.44	10.53	98.21	-58.82	12.19	20.61	1.47	1.39	0.98	1.98	1.95
P/B TTM	1.62	0.60	0.90	1.15	27.88	9.47	0.64	2.66	3.47	2.46	0.40	0.21
P/S TTM	1.84	0.55	0.73	0.85	1.03	0.61	0.47	0.30	0.22	0.16	0.29	0.15
Market Cap	670.40M	206.46M	277.26M	319.09M	372.28M	213.58M	149.59M	92.84M	64.66M	44.63M	78.01M	39.29M
Enterprise Value	882.51M	390.80M	505.35M	594.49M	632.95M	443.63M	380.06M	344.16M	285.59M	297.75M	336.73M	315.43M
Calculated Values
Free Cash Flow TTM	377.58M	388.47M	382.19M	281.02M	254.76M	317.85M	310.80M	301.15M	300.23M	295.93M	287.16M	274.64M
Net Debt	212.11M	184.34M	228.09M	275.39M	260.67M	230.04M	230.47M	251.32M	220.94M	253.12M	258.72M	276.15M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-15Sale

Owner: Moore, Jocelyn

Title: -

Shares: 39,076

Price/Share: $8.32

Value: $325,112.32

Shares Owned: 16,843

Relationship: Director

Ownership: Direct

2026-06-12Sale

Owner: Mckay, Christopher J.

Title: Chief Risk & Analytics Officer

Shares: 23,683

Price/Share: $8.35

Value: $197,753.05

Shares Owned: 1,513,063

Relationship: Officer

Ownership: Direct

2026-06-08Sale

Owner: Favilla, Christina M

Title: -

Shares: 30,000

Price/Share: $8.14

Value: $244,200.00

Shares Owned: 156,737

Relationship: Director

Ownership: Indirect

2026-05-04Sale

Owner: Vennettilli, David

Title: -

Shares: 10,000

Price/Share: $10.00

Value: $100,000.00

Shares Owned: 132,389

Relationship: Director

Ownership: Direct

2026-03-12Sale

Owner: Moore, Jocelyn

Title: -

Shares: 8,190

Price/Share: $8.53

Value: $69,860.70

Shares Owned: 39,076

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-15	Moore, Jocelyn	Director	-	Direct	Sale	39,076	8.32	$325,112.32	16,843	4
2026-06-12	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	23,683	8.35	$197,753.05	1,513,063	4
2026-06-08	Favilla, Christina M	Director	-	Indirect	Sale	30,000	8.14	$244,200.00	156,737	4
2026-05-04	Vennettilli, David	Director	-	Direct	Sale	10,000	10.00	$100,000.00	132,389	4
2026-03-12	Moore, Jocelyn	Director	-	Direct	Sale	8,190	8.53	$69,860.70	39,076	4
2026-01-05	Johnson, Pamela D.	Officer	CFO	Direct	Sale	5,084	10.24	$52,060.16	143,484	4
2025-12-11	Moore, Jocelyn	Director	-	Direct	Sale	4,464	10.91	$48,702.24	47,266	4
2025-11-21	Moore, Jocelyn	Director	-	Direct	Sale	20,200	9.23	$186,446.00	51,730	4
2025-11-03	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	1,107	9.85	$10,903.95	171,022	4
2025-11-03	Johnson, Pamela D.	Officer	CFO	Direct	Sale	1,129	10.00	$11,290.00	153,392	4
2025-10-02	Johnson, Pamela D.	Officer	CFO	Direct	Sale	5,497	11.21	$61,621.37	154,521	4
2025-10-02	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	9,030	11.21	$101,226.30	172,129	4
2025-08-13	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	44,716	10.78	$482,038.48	0	4
2025-08-12	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	102,325	10.80	$1,105,110.00	0	4
2025-08-04	Johnson, Pamela D.	Officer	CFO	Direct	Sale	1,130	10.43	$11,785.90	163,440	4
2025-08-04	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	1,106	10.43	$11,535.58	184,260	4
2025-07-14	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	128,188	12.05	$1,544,665.40	0	4
2025-07-02	Johnson, Pamela D.	Officer	CFO	Direct	Sale	5,495	13.41	$73,687.95	164,570	4
2025-07-02	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	9,030	13.41	$121,092.30	185,366	4
2025-06-17	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	122,531	11.81	$1,447,091.11	0	4
2025-06-13	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	96,948	12.24	$1,186,643.52	0	4
2025-06-11	Zeeman, Gregory T	Director	-	Direct	Sale	50,000	13.98	$699,000.00	149,644	4
2025-06-11	Johnson, Pamela D.	Officer	CFO	Direct	Sale	35,890	13.97	$501,383.30	173,018	4
2025-06-06	Moore, Jocelyn	Director	-	Direct	Sale	40,049	13.91	$557,081.59	59,023	4
2025-05-27	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	35,001	12.93	$452,562.93	93,334	4
2025-05-15	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	185,086	11.59	$2,145,146.74	0	4
2025-05-13	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	110,335	12.47	$1,375,877.45	0	4
2025-05-02	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	1,107	9.55	$10,571.85	195,180	4
2025-04-24	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	76,184	9.22	$702,416.48	0	4
2025-04-22	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	43,903	8.27	$363,077.81	0	4
2025-04-17	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	37,520	8.34	$312,916.80	0	4
2025-04-16	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	34,941	8.29	$289,660.89	0	4
2025-04-14	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	49,799	8.39	$417,813.61	0	4
2025-04-10	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	10,380	8.40	$87,192.00	196,287	4
2025-04-08	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	10,377	8.29	$86,025.33	217,044	4
2025-04-04	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	10,377	7.74	$80,317.98	237,798	4
2025-03-27	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	124,788	9.32	$1,163,024.16	0	4
2025-03-25	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	103,437	10.85	$1,122,291.45	0	4
2025-03-21	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	58,764	9.60	$564,134.40	0	4
2025-03-19	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	105,606	9.57	$1,010,649.42	0	4
2025-03-17	Schwartz, Theodore G	Director,TenPercentOwner	-	Indirect	Sale	79,559	9.13	$726,373.67	0	4
2025-03-11	Vennettilli, David	Director	-	Direct	Sale	30,762	9.09	$279,626.58	90,762	4
2024-12-02	Vennettilli, David	Director	-	Direct	Sale	22,301	7.68	$171,271.68	121,524	4
2024-11-11	Moore, Jocelyn	Director	-	Direct	Sale	23,149	6.70	$155,098.30	99,072	4
2024-11-08	Vennettilli, David	Director	-	Indirect	Sale	100,000	6.45	$645,000.00	0	4
2024-08-09	Vennettilli, David	Director	-	Direct	Sale	38,886	4.34	$168,765.24	94,497	4
2024-06-10	Moore, Jocelyn	Director	-	Direct	Sale	32,488	3.14	$102,012.32	72,893	4
2023-11-22	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	962	3.33	$3,203.46	45,782	4
2023-11-22	Johnson, Pamela D.	Officer	CFO	Direct	Sale	578	3.33	$1,924.74	29,242	4
2023-11-21	Mckay, Christopher J.	Officer	Chief Risk & Analytics Officer	Direct	Sale	886	3.62	$3,207.32	42,894	4
2023-11-21	Johnson, Pamela D.	Officer	CFO	Direct	Sale	532	3.62	$1,925.84	28,779	4
2023-11-13	Vennettilli, David	Director	-	Direct	Sale	5,212	2.48	$12,925.76	146,133	4
2023-07-20	Moore, Jocelyn	Director	-	Direct	Sale	21,028	1.95	$41,004.60	105,381	4
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Institutional Ownership

No data available for chart

2026-03-31

68.14%

Inst. Shares: 18,248,010

Shares Outstanding: 26,778,432

2025-12-31

79.17%

Inst. Shares: 20,986,220

Shares Outstanding: 26,506,458

2025-09-30

68.58%

Inst. Shares: 19,313,492

Shares Outstanding: 28,163,404

2025-06-30

53.38%

Inst. Shares: 14,204,394

Shares Outstanding: 26,610,330

2025-03-31

46.20%

Inst. Shares: 10,946,741

Shares Outstanding: 23,691,769

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	18,248,010	26,778,432	68.14%
2025-12-31	20,986,220	26,506,458	79.17%
2025-09-30	19,313,492	28,163,404	68.58%
2025-06-30	14,204,394	26,610,330	53.38%
2025-03-31	10,946,741	23,691,769	46.20%
2024-12-31	11,267,996	20,145,606	55.93%
2024-09-30	8,493,228	20,248,004	41.95%
2024-06-30	7,221,902	19,675,934	36.70%
2024-03-31	6,159,218	19,205,427	32.07%
2023-12-31	5,442,107	16,391,199	33.20%
2023-09-30	3,755,557	16,772,275	22.39%
2023-06-30	3,524,873	15,632,120	22.55%
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OppFi Inc. (OPFI) — SEC Financial Statements & Analysis

OppFi Inc. (OPFI) is a finance services company. OppFi Inc. trades on NYSE as: OPFI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), OppFi Inc. reported a 0.15% year-over-year revenue growth, a Gross Profit Margin of 83.58% (TTM), a Price-to-Sales (P/S) ratio of 1.84x (TTM), a Price-to-Book (P/B) ratio of 1.62x (TTM), at a market cap of $670.40M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 0.15%
Gross Profit Margin TTM: 83.58%
P/S TTM: 1.84x
P/B TTM: 1.62x
Market Cap: $670.40M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is OppFi Inc. in?

OppFi Inc. (OPFI) operates in the Finance Services industry.

What is OPFI's market cap?

OppFi Inc. (OPFI) has a market capitalization of $670.40M as of 2026-06-30.

What is OPFI's P/E ratio?

OppFi Inc. (OPFI)'s trailing twelve month P/E ratio is 7.01x as of 2026-06-30.

What exchange does OPFI trade on?

OppFi Inc. (OPFI) trades on the NYSE.

OppFi Inc.

Financial Statements

Custom Table

Interactive Financial Visualizations

Earnings Market Reaction

Performance and Valuation Metrics

Insider Transactions

Institutional Ownership

OppFi Inc. (OPFI) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Finance Services

Wall Street's data.
Main Street's price.

OppFi Inc. (OPFI) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Finance Services

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.