OppFi Inc.OPFIEarnings & Financial Report
OppFi Inc. is a US-headquartered financial technology firm that provides responsible, accessible financial solutions including installment loans, credit-building tools and related support services to consumers underserved by traditional banking institutions, prioritizing fair terms to help users boost their long-term financial wellness.
OPFI Q4 FY2025 Key Financial Metrics
Revenue
$85.6M
Gross Profit
N/A
Operating Profit
$30.9M
Net Profit
$16.8M
Gross Margin
N/A
Operating Margin
36.1%
Net Margin
19.7%
YoY Growth
5.9%
EPS
$1.48
OppFi Inc. Q4 FY2025 Financial Summary
OppFi Inc. reported revenue of $85.6M (up 5.9% YoY) for Q4 FY2025, with a net profit of $16.8M (up 400.3% YoY) (19.7% margin).
Key Financial Metrics
| Total Revenue | $85.6M |
|---|---|
| Net Profit | $16.8M |
| Gross Margin | N/A |
| Operating Margin | 36.1% |
| Report Period | Q4 FY2025 |
OppFi Inc. Annual Revenue by Year
OppFi Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $381.2M).
OppFi Inc. Quarterly Revenue & Net Profit History
OppFi Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $85.6M | +5.9% | $16.8M | 19.7% |
| Q3 FY2025 | $104.6M | +14.7% | $41.6M | 39.8% |
| Q2 FY2025 | $100.2M | +16.2% | $-20.8M | -20.7% |
| Q1 FY2025 | $90.8M | +43.7% | $-11.4M | -12.5% |
| Q4 FY2024 | $80.8M | +22.9% | $-5.6M | -6.9% |
| Q3 FY2024 | $91.2M | +20.5% | $4.3M | 4.7% |
| Q2 FY2024 | $86.3M | +15.7% | $3.1M | 3.6% |
| Q1 FY2024 | $63.2M | +10.5% | $5.5M | 8.8% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $63.2M | $86.3M | $91.2M | $80.8M | $90.8M | $100.2M | $104.6M | $85.6M |
| YoY Growth | 10.5% | 15.7% | 20.5% | 22.9% | 43.7% | 16.2% | 14.7% | 5.9% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $563.2M | $573.1M | $619.3M | $641.2M | $640.1M | $673.4M | $720.6M | $754.1M |
| Liabilities | $365.9M | $371.4M | $399.0M | $407.0M | $403.3M | $455.7M | $443.4M | $445.2M |
| Equity | $18.2M | $18.6M | $34.9M | $32.8M | $22.6M | $13.4M | $49.4M | $58.5M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $74.4M | $77.3M | $77.6M | $323.8M | $83.7M | $95.6M | $105.1M | $401.3M |