OppFi Inc. (OPFI)
OppFi Inc. brought in $351.8M of revenue over the twelve months to September 30, 2026, down 6.5% from a year earlier. Net income was $94.6M, a net margin of 26.9%. Operating cash flow minus capital spending left $382.2M of free cash flow in fiscal 2025. At September 30, 2026 it held $102.7M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about OppFi Inc.
- Net worth
- OppFi Inc. has a market value (market cap) of $509.5M at the latest share price, and shareholders' equity of $443.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $381.2M (+18.6% year on year), with net income of $26.3M. Over the 12 months to September 30, 2026: revenue $351.8M, net income $94.6M.
- Cash flow
- In fiscal 2025 operations brought in $401.3M of cash; after $19.1M of capital spending, free cash flow was $382.2M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- OppFi Inc.'s next report is expected around March 10, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- OppFi Inc. declared dividends of $0.25 per share in fiscal 2025, a yield of 4.18% at the current price.
What OppFi Inc. does
OppFi Inc. is registered with the SEC under industry code SIC 6199 (Finance Services). Its shares trade on NYSE under the ticker OPFI.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $381.2M | $26.3M | $0.99 | $382.2M |
| 2024 | $321.5M | $7.3M | $0.36 | $310.8M |
| 2023 | $273.2M | -$1M | -$0.06 | $287.2M |
| 2022 | $217M | $7.1M | $0.05 | $230M |
| 2021 | $263.7M | $25.6M | $0.48 | $153M |
| 2020 | $200.2M | $77.5M | $0.00 | $181.4M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where OPFI ranks in Finance
Dividends
OppFi Inc. declared $0.25 per share in fiscal 2025. At the current price that is a yield of 4.18%. It paid out $6.4M in cash dividends, 24% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.25 | $6.4M | 24% |
| 2024 | $0.12 | $2.4M | 33% |
| 2023 | n/a | $0 | n/a |
| 2022 | n/a | $0 | 0% |
Latest SEC filings
What OppFi Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 11% to $92.8M versus the same quarter last year; diluted EPS $0.40 versus $0.77.
- November 3, 2026
- October 28, 2026
- September 21, 2026New debt 8-K
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 13, 2026Passive stake changed SCHEDULE 13G/A
- August 13, 2026Passive stake changed SCHEDULE 13G/A
- August 10, 2026Quarterly report 10-Q · period to June 30, 2026Revenue fell 14% to $86.2M versus the same quarter last year; diluted EPS $0.18 versus -$0.78.
- August 10, 2026
What is OPFI worth? A DCF from its reported cash flow
Insider trades
What the people running OppFi Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $1.1M and sold $832.1K worth of shares in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 1, 2026 | Johnson Pamela D.CFO | Shares withheld for tax | 1,974 | $11.9K |
| October 1, 2026 | Johnson Pamela D.CFO | Shares withheld for tax | 1,715 | $10.3K |
| October 1, 2026 | Johnson Pamela D.CFO | Shares withheld for tax | 496 | $3K |
| October 1, 2026 | McKay Christopher J.Chief Risk & Analytics Officer | Shares withheld for tax | 1,970 | $11.9K |
| October 1, 2026 | McKay Christopher J.Chief Risk & Analytics Officer | Shares withheld for tax | 1,369 | $8.3K |
| October 1, 2026 | McKay Christopher J.Chief Risk & Analytics Officer | Shares withheld for tax | 396 | $2.4K |
| October 1, 2026 | Schwartz Todd G.Chief Executive Officer, Director, 10% owner | Shares withheld for tax | 2,643 | $15.9K |
| October 1, 2026 | Schwartz Todd G.Chief Executive Officer, Director, 10% owner | Shares withheld for tax | 4,497 | $27.1K |
Who owns OPFI
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Todd G. Schwartz13D, may seek influence with 7 related filers | 32.03% | April 30, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 145 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Wellington Management Group Llp | 3,019,250 | +389,082 |
| Vanguard Capital Management LLC | 2,216,792 | +1,030,639 |
| BlackRock, Inc. | 2,047,243 | +111,860 |
| Citadel Advisors LLC | 1,066,428 | +555,452 |
| Corsair Capital Management, L.P. | 1,053,379 | +1,023,699 |
| Geode Capital Management, LLC | 742,860 | +131,676 |
| Two Sigma Investments, LP | 669,257 | -427,011 |
| Dimensional Fund Advisors LP | 646,233 | +220,144 |
| Nuveen, LLC | 641,376 | -11,220 |
| LB Partners LLC | 632,500 | +132,500 |
| State Street Corp | 564,617 | +28,399 |
| Renaissance Technologies LLC | 533,008 | -97,300 |
| Goldman Sachs Group Inc | 454,143 | +125,619 |
| Ameriprise Financial Inc | 448,142 | +323,314 |
| Morgan Stanley | 415,829 | -294,479 |
| UBS Group AG | 355,108 | +25,892 |
| Millennium Management LLC | 333,114 | -108,673 |
| Globeflex Capital L P | 326,313 | -8,128 |
| Northern Trust Corp | 300,944 | +105,234 |
| PL Capital Advisors, LLC | 300,000 | new |
Insiders
8 insiders reported holding 6,349,568 shares in total, about $38M at the last price.
| Holder | Shares |
|---|---|
| Schwartz Theodore GDirector, 10% owner | 3,029,7503,000,000 held indirectly |
| McKay Christopher J.Chief Risk & Analytics Officer | 1,427,744 |
| Schwartz Todd G.Chief Executive Officer, Director, 10% owner | 936,468641,898 held indirectly |
| Vennettilli DavidDirector | 438,935284,501 held indirectly |
| Favilla Christina MDirector | 186,487156,737 held indirectly |
| Zeeman Gregory TDirector | 166,487 |
| Johnson Pamela D.CFO | 146,854 |
| Moore JocelynDirector | 16,843 |
Questions about OPFI
What does OppFi Inc. do?
OppFi Inc. is a company in the Finance sector, listed on NYSE as OPFI. Its shares trade on NYSE under the ticker OPFI.
What is OppFi Inc.'s net worth?
OppFi Inc. has a market value (market cap) of $509.5M at the latest share price, and shareholders' equity of $443.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is OppFi Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $94.6M on revenue of $351.8M, a net margin of 26.9%.
How much revenue does OppFi Inc. make?
Over the twelve months to September 30, 2026 OppFi Inc. reported revenue of $351.8M. That is 6.5% less than a year earlier.
When did OppFi Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is OppFi Inc.'s next earnings report?
OppFi Inc.'s next report is expected around March 10, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does OppFi Inc. pay a dividend?
Yes. OppFi Inc. declared dividends of $0.25 per share in fiscal 2025, a yield of 4.18% at the current price.
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Where the numbers come from
Financial figures are the values OppFi Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.