OppFi Inc.
OPFINYSE
$9.38
↓ -0.1%Jul 17 close · end-of-day
Price
1Y↓ -20.2%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$808.5M
Enterprise Value
$744.6M
P/E
4.6
P/S
—
P/B
10.7
EV/EBITDA
4.6
PEG
0.0
FCF Yield
—
Dividend Yield
—
Revenue (TTM)
—
Net Income (TTM)
$66.1M
Free Cash Flow (TTM)
—
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
87.4%
ROIC
1267.4%
Debt / Equity
—
Net Cash
$63.9M
Return 1Y
-19.5%
Company profile
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap and SalaryTap are payroll deduction secured installment loan products. OppFi Card, a credit card product, is based in Chicago, Illinois.
- CEO
- Todd G. Schwartz
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 570
- Headquarters
- Illinois
- Website
- www.oppfi.com
Management & directors
- Johnson Pamela D.CFO
- Mckay Christopher J.Chief Risk & Analytics Officer
- Schwartz Todd G.Chief Executive Officer
Roles derived from SEC Form 4 filings.
Earnings
OPFI Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.56↓ -216.7%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | $77.5M | $57.3M | -$6.3M | $46.4M | $94.5M | $166.7M |
| Net income | — | $25.6M | $7.1M | -$1.0M | $7.3M | $26.3M |
| Diluted EPS | $0.00 | $0.48 | $0.05 | -$0.06 | $0.36 | $0.99 |
| Operating cash flow | $192.1M | $167.3M | $243.3M | $296.1M | $323.8M | $401.3M |
| Free cash flow | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | $29.5M | $35.1M | $24.7M | $42.5M | $44.8M | $48.4M | $30.9M | $35.4M |
| Net income | $3.1M | $4.3M | -$5.6M | -$11.4M | -$20.8M | $41.6M | $16.8M | $28.4M |
| Diluted EPS | $0.16 | $0.21 | -$0.11 | -$0.48 | -$0.78 | $0.77 | $1.48 | $0.56 |
| Operating cash flow | $77.3M | $77.6M | $94.5M | $83.7M | $95.6M | $105.1M | $116.8M | $90.8M |
| Free cash flow | — | — | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Jul 9, 2026
Jul 8, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-01 | Schwartz Todd G.· Chief Executive Officer | Tax withholding | 4,497 | $9.93 | $44,655.21 | filing |
| 2026-07-01 | Schwartz Todd G.· Chief Executive Officer | Tax withholding | 2,643 | $9.93 | $26,244.99 | filing |
| 2026-07-01 | Johnson Pamela D.· CFO | Tax withholding | 1,974 | $9.93 | $19,601.82 | filing |
| 2026-07-01 | McKay Christopher J.· Chief Risk & Analytics Officer | Tax withholding | 1,969 | $9.93 | $19,552.17 | filing |
| 2026-07-01 | Johnson Pamela D.· CFO | Tax withholding | 1,715 | $9.93 | $17,029.95 | filing |
| 2026-07-01 | McKay Christopher J.· Chief Risk & Analytics Officer | Tax withholding | 1,369 | $9.93 | $13,594.17 | filing |
| 2026-07-01 | Johnson Pamela D.· CFO | Tax withholding | 496 | $9.93 | $4,925.28 | filing |
| 2026-07-01 | McKay Christopher J.· Chief Risk & Analytics Officer | Tax withholding | 396 | $9.93 | $3,932.28 | filing |
| 2026-06-15 | Moore Jocelyn | Sale | 39,076 | $8.32 | $324,936.48 | filing |
| 2026-06-12 | McKay Christopher J.· Chief Risk & Analytics Officer | Sale | 23,683 | $8.35 | $197,814.63 | filing |
| 2026-06-09 | Zeeman Gregory T | Award | 16,843 | $0.00 | $0.00 | filing |
| 2026-06-09 | Vennettilli David | Award | 25,265 | $0.00 | $0.00 | filing |
| 2026-06-09 | Vennettilli David | Award | 25,265 | $0.00 | $0.00 | filing |
| 2026-06-09 | SCHWARTZ THEODORE G | Award | 16,843 | $0.00 | $0.00 | filing |
| 2026-06-09 | Moore Jocelyn | Award | 16,843 | $0.00 | $0.00 | filing |
| 2026-06-09 | Favilla Christina M | Award | 16,843 | $0.00 | $0.00 | filing |
| 2026-06-08 | Favilla Christina M | Sale | 30,000 | $8.14 | $244,176.00 | filing |
| 2026-05-04 | Vennettilli David | Sale | 10,000 | $10.00 | $100,000.00 | filing |
| 2026-05-04 | Johnson Pamela D.· CFO | Tax withholding | 469 | $9.51 | $4,460.19 | filing |
| 2026-05-04 | McKay Christopher J.· Chief Risk & Analytics Officer | Tax withholding | 357 | $9.51 | $3,395.07 | filing |
| 2026-04-28 | Schwartz Todd G.· Chief Executive Officer | D | 54,137,072 | $0.00 | $0.00 | filing |
| 2026-04-28 | Schwartz Todd G.· Chief Executive Officer | Option exercise | 24,656,083 | $0.00 | $0.00 | filing |
| 2026-04-28 | Schwartz Todd G.· Chief Executive Officer | Option exercise | 1,949,309 | $0.00 | $0.00 | filing |
| 2026-04-28 | Schwartz Todd G.· Chief Executive Officer | D | 4,501,169 | $0.00 | $0.00 | filing |
| 2026-04-28 | SCHWARTZ THEODORE G | D | 18,887,359 | $0.00 | $0.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.