OppFi (OPFI) | Financial Analysis & Statements

OppFi Inc. | Small-cap | Financial Services

$14.23

3.72%

OppFi vs Visa OppFi vs Mastercard OppFi vs Federal Agricultural OppFi vs Federal Agricultural OppFi vs Navient OppFi vs S&P 500 | Market

Overview Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

Financial Overview

Latest Annual: 2024

Income Metrics

Revenue 526.0M

Gross Profit 420.8M 80.00%

Operating Income 299.0M 56.84%

Net Income 83.8M 15.94%

EPS (Diluted) $0.36

Balance Sheet Metrics

Total Assets 641.2M

Total Liabilities 407.0M

Shareholders Equity 234.2M

Debt to Equity 1.74

Cash Flow Metrics

Operating Cash Flow 305.5M

Free Cash Flow 310.8M

Revenue & Profitability Trend

OppFi Income Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Revenue	526.0M	508.9M	452.9M	350.6M	291.0M
Cost of Goods Sold	105.2M	107.4M	95.1M	89.2M	44.2M
Gross Profit	420.8M	401.5M	357.7M	261.4M	246.8M
Operating Expenses	112.1M	106.7M	111.0M	106.8M	59.7M
Operating Income	299.0M	277.8M	231.2M	143.4M	98.7M
Pre-tax Income	88.1M	41.8M	3.1M	90.1M	77.5M
Income Tax	4.2M	2.3M	-277.0K	311.0K	0
Net Income	83.8M	39.5M	3.3M	89.8M	77.5M
EPS (Diluted)	$0.36	-$0.06	$0.51	$0.48	$5.97

Income Statement Trend

OppFi Balance Sheet From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Assets
Current Assets	564.0M	539.3M	510.2M	450.5M	267.9M
Non-Current Assets	77.2M	62.3M	69.7M	51.6M	17.9M
Total Assets	641.2M	601.5M	579.8M	502.1M	285.8M
Liabilities
Current Liabilities	59.8M	51.5M	55.2M	35.7M	44.4M
Non-Current Liabilities	347.2M	356.0M	365.5M	308.5M	142.1M
Total Liabilities	407.0M	407.5M	420.7M	344.2M	186.5M
Equity
Total Shareholders Equity	234.2M	194.0M	159.2M	157.9M	99.3M

Balance Sheet Composition

OppFi Cash Flow Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Operating Activities
Net Income	83.8M	39.5M	3.3M	89.8M	77.5M
Operating Cash Flow	305.5M	284.2M	248.2M	186.8M	94.1M
Investing Activities
Capital Expenditures	-13.0M	-9.0M	-13.2M	-14.4M	-10.7M
Investing Cash Flow	-243.4M	-244.3M	-317.2M	-199.5M	-98.3M
Financing Activities
Dividends Paid	-44.8M	-10.2M	-1.3M	-51.0M	-15.8M
Financing Cash Flow	-66.3M	-28.0M	61.1M	48.8M	-84.1M
Free Cash Flow	310.8M	287.2M	230.0M	153.0M	181.4M

Cash Flow Trend

OppFi Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 34.89

Forward P/E 14.44

Price to Book 14.42

Price to Sales 3.65

PEG Ratio 14.44

Profitability Ratios

Profit Margin -3.16%

Operating Margin 50.92%

Return on Equity 43.36%

Return on Assets 15.64%

Financial Health

Current Ratio 16.72

Debt to Equity 127.06

Beta 1.75

Per Share Data

EPS (TTM) -$0.41

Book Value per Share $0.89

Revenue per Share $14.37

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
opfi	1.1B	34.89	14.42	43.36%	-3.16%	127.06
Visa	679.7B	34.97	17.57	50.66%	52.86%	54.59
Mastercard	492.5B	37.98	73.98	187.70%	45.21%	280.80
Federal Agricultural	2.0B	11.95	1.89	13.51%	56.81%	1,962.02
Federal Agricultural	2.0B	8.12	1.29	13.51%	56.81%	1,962.02
Navient	1.4B	26.73	0.54	2.09%	8.01%	1,850.79

Financial data is updated regularly. All figures are in the company's reporting currency.