Educational research on US and Indian equities, ETFs, mutual funds and crypto, with screeners and a free investing academy.
All data is for educational purposes only and should not be considered investment advice.
Equiscale is operated by Syntellia LLC, a Delaware limited liability company.
© 2026 Syntellia LLC. All rights reserved.
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $597M | $388M | $26M | $382M | 45.0% | 13.5% | 262.8% |
| 2024 | $526M | $309M | $7M | $311M | 22.1% | 3.3% | -822.2% |
| 2023 | $509M | $291M | $-1M | $287M | -9.6% | 12.4% | -114.2% |
| 2022 | $453M | $245M | $7M | $230M | -1436.8% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 597.05 |
| Operating Revenue | 591.77 |
| Cost Of Revenue | 100.06 |
| Gross Profit | 496.99 |
| Operating Expense | 114.44 |
| Selling General And Administration | 91.71 |
| Total Expenses | 214.50 |
| Operating Income | 382.55 |
| Total Operating Income As Reported | 166.68 |
| EBITDA | 387.70 |
| Normalized EBITDA | 399.05 |
| EBIT | 382.55 |
| Interest Expense | - |
| Net Interest Income | - |
| Other Non Operating Income Expenses | -220.04 |
| Other Income Expense | -226.41 |
| Interest Expense Non Operating | - |
| Net Non Operating Interest Income Expense | - |
| Pretax Income | 156.13 |
| Tax Provision | 9.88 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -0.71 |
| Net Income Continuous Operations | 146.25 |
| Net Income From Continuing And Discontinued Operation | 26.33 |
| Net Income From Continuing Operation Net Minority Interest | 26.33 |
| Net Income | 26.33 |
| Net Income Common Stockholders | 26.33 |
| Net Income Including Noncontrolling Interests | 146.25 |
| Normalized Income | 36.96 |
| Diluted NI Availto Com Stockholders | 26.33 |
| Basic Average Shares | 26.51 |
| Diluted Average Shares | 26.51 |
| Reconciled Depreciation | 5.16 |
| Reconciled Cost Of Revenue | 100.06 |
| Total Unusual Items | -11.35 |
| Total Unusual Items Excluding Goodwill | -11.35 |
| Minority Interests | -119.92 |
| Special Income Charges | - |
| Other Special Charges | - |
| Write Off | - |
| Gain On Sale Of Security | -11.35 |
| Depreciation Amortization Depletion Income Statement | 5.16 |
| Depreciation And Amortization In Income Statement | 5.16 |
| General And Administrative Expense | 40.82 |
| Other Gand A | 36.69 |
| Salaries And Wages | - |
| Rent Expense Supplemental | 4.13 |
| Total Other Finance Cost | - |
| Other Operating Expenses | 17.57 |
| Provision For Doubtful Accounts | 0 |
| Selling And Marketing Expense | 50.89 |
| Rent And Landing Fees | 4.13 |
| Earnings From Equity Interest | 4.97 |
| Average Dilution Earnings | 0 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| OppFi Inc.this co. | OPFI | $1.2B | 46.23↑ premium | 20.81 | 45.0% | 3.87 |
| Amalgamated Financial Corp. | AMAL | $1.3B | 12.12 | 1.59 | 13.1% | - |
| Peoples Bancorp Inc. | PEBO | $1.3B | 11.90 | 1.04 | 8.8% | - |
| Tompkins Financial Corporation | TMP | $1.2B | 7.74 | 1.33 | 17.2% | - |
| Atlanticus Holdings Corporation | ATLC | $1.2B |
| - |
| - |
| - |
| - |
| 10.17 |
| 2.04 |
| 20.1% |
| - |
| Community Trust Bancorp, Inc. | CTBI | $1.2B | 12.51 | 1.43 | 11.5% | - |
| Gold.com, Inc. | GOLD | $1.2B | 68.63 | 1.83 | 2.7% | 21.55 |
| First Mid Bancshares, Inc. | FMBH | $1.2B | 12.94 | 1.24 | 9.6% | - |
| Strive Asset Management, LLC | ASST | $1.2B | - | 2.03 | -3.0% | - |
| Peer Median | - | 12.12 | 1.51 | 10.5% | 21.55 | |