OppFi (OPFI)
Powers partner banks to originate short-term installment loans, then buys and services the receivables.
$6.30
After-hours close−0.11 (−1.72%)
At close$6.41(−0.62%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Oct 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 133 | 133 | 127 | 126 | 137 | 136 | 140 | 142 | 155 | 159 | 152 | 145 |
| Cost of revenue | 27 | 65 | 27 | 27 | 25 | 25 | 24 | 27 | 25 | −47 | 6 | 8 |
| Gross profit | 106 | 68 | 100 | 99 | 112 | 110 | 116 | 115 | 130 | 206 | 146 | 137 |
| 91 | 27 | 95 | 70 | 76 | 86 | 74 | 70 | 82 | 148 | 81 | 104 | |
| Research & development | 0 | 6 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 24 | 21 | 20 | 23 | 24 | 24 | 19 | 22 | 26 | 21 | 23 | 30 | |
| Selling & marketing | 14 | 13 | 10 | 13 | 14 | 13 | 10 | 12 | 15 | 14 | 10 | 11 |
| General & administrative | 10 | 9 | 10 | 10 | 10 | 10 | 9 | 10 | 11 | 7 | 12 | 18 |
| Other expenses | 67 | 0 | 75 | 42 | 53 | 62 | 54 | 49 | 57 | 127 | 58 | 75 |
| Operating income | 16 | 9 | 5 | 29 | 35 | 25 | 42 | 45 | 48 | 58 | 65 | 33 |
| 0 | −6 | 5 | −1 | −1 | −10 | −20 | −32 | 33 | −18 | −7 | −7 | |
| Interest income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 155 | 159 | 152 | 145 |
| Interest expense | 0 | 14 | 11 | 46 | 45 | 80 | 10 | 0 | 10 | 9 | 9 | 8 |
| Other non-operating income | −57 | −6 | −64 | −40 | −45 | −55 | −49 | −42 | −51 | 140 | −1 | −1 |
| Income before tax | 16 | 3 | 11 | 29 | 34 | 15 | 22 | 13 | 82 | 40 | 58 | 25 |
| Income tax expense | 0 | 1 | 0 | 1 | 2 | 1 | 2 | 1 | 6 | 1 | 4 | 10 |
| Net income from continuing operations | 16 | 2 | 10 | 28 | 32 | 14 | 20 | 11 | 76 | 38 | 54 | 16 |
| Net income | 2 | −6 | 6 | 3 | 4 | −6 | −11 | −21 | 42 | 17 | 28 | 15 |
| EPS, basic | $0.13 | −$0.31 | $0.29 | $0.16 | $0.21 | −$0.26 | −$0.48 | −$0.78 | $1.48 | $0.61 | $1.07 | $0.22 |
| EPS, diluted | $0.13 | −$0.31 | $0.10 | $0.16 | $0.21 | −$0.28 | −$0.48 | −$0.78 | $0.77 | $0.19 | $1.07 | $0.18 |
| Weighted average shares, basic | 17 | 18 | 19 | 20 | 20 | 21 | 24 | 27 | 27 | 27 | 27 | 68 |
| Weighted average shares, diluted | 17 | 18 | 19 | 20 | 20 | 21 | 24 | 27 | 27 | 27 | 27 | 86 |
| EBITDA | 76 | 18 | 72 | 72 | 83 | 82 | 94 | 89 | 100 | −82 | 67 | 35 |
| Depreciation & amortization | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 2 |
| EBIT | 73 | 15 | 69 | 70 | 81 | 80 | 92 | 87 | 99 | −82 | 67 | 34 |
