What is OppFi's net income?

OppFi (OPFI) reported net income of $28.4M in Q1 2026.

How has OppFi's net income changed year-over-year?

OppFi's net income increased by 349.7% year-over-year, from -$11.37M to $28.4M.

What is the long-term trend for OppFi's net income?

Over 4 years (2021 to 2025), OppFi's net income has grown at a 43.5% compound annual growth rate (CAGR), from $6.21M to $26.33M.

What does net income mean?

The bottom line — total revenue minus all expenses, taxes, and costs. Represents the profit attributable to the company's shareholders after all obligations are met.

OppFi OPFI Net Income

Net Income at other companies

Enova InternationalENVA

$91.1M+24.9%

Upstart Holdings, Inc.UPST

-$6.65M-172%

Oaktree Specialty LendingOCSL

-$18.89M+47.9%

World AcceptanceWRLD

$35.29M-18.1%

Blue Owl Technology Finance Corp.OTF

-$219.89M-381%

Q2 HoldingsQTWO

$26.64M+460%

Segments

By segment

See full

Reportable Segment$54.04M+165%

Other financials

Income statement

See full

Revenue$87.3M-3.9%

Operating income$35.4M-16.8%

EPS (diluted)$0.56+217%

Balance sheet

See full

Cash & equivalents$99.9M+10.1%

Total debt$10.9M-14.9%

Total equity$75.7M+235%

Total assets$720.0M+12.5%

Cash flow

See full

Operating cash flow$90.8M+8.4%

CapEx$5.1M+17.2%

Free cash flow$85.6M+7.9%

Valuation

See full

Market cap$751.46M+123%

Enterprise value$662.47M+156%

P/E11.4×-22.5×

P/S2×+1.0×

Profitability

See full

Operating margin42.2%+4.5pp

Net margin17.5%+14.7pp

FCF margin102.9%+11.8pp

Returns & leverage

See full

Return on equity134.6%+85.9pp

Debt / equity0.1×-0.4×

Current ratio0.3×—

Where this comes from

Reported directly by OppFi in its filing.

Tagged under the XBRL concept us-gaap:NetIncomeLoss.

The official record: OppFi’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OppFi's net income?: OppFi (OPFI) reported net income of $28.4M in Q1 2026.
How has OppFi's net income changed year-over-year?: OppFi's net income increased by 349.7% year-over-year, from -$11.37M to $28.4M.
What is the long-term trend for OppFi's net income?: Over 4 years (2021 to 2025), OppFi's net income has grown at a 43.5% compound annual growth rate (CAGR), from $6.21M to $26.33M.
What does net income mean?: The bottom line — total revenue minus all expenses, taxes, and costs. Represents the profit attributable to the company's shareholders after all obligations are met.