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OppFi OPFI Business Segments — Pre-Tax Income

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Other financials

Income statement

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Revenue$87.3M-3.9%
Operating income$35.4M-16.8%
Net income$28.4M+350%
EPS (diluted)$0.56+217%

Balance sheet

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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

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Operating cash flow$90.8M+8.4%
CapEx$5.1M+17.2%
Free cash flow$85.6M+7.9%

Valuation

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Market cap$802.7M+167%
Enterprise value$713.71M+204%
P/E12.1×-77.2×
P/S2.1×+1.3×

Profitability

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Operating margin42.2%+4.5pp
Net margin17.5%+14.7pp
FCF margin102.9%+11.8pp

Returns & leverage

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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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

The source filing: OppFi’s 10-Q, filed May 7, 2026.

Filed
May 7, 2026, 5:23 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001818502-26-000056
Line item20262025
Change in fair value of warrant liabilities21,295(21,607)
Income from equity method investment1,1201,076
Other income23280
Income before income taxes58,00922,041
Income tax expense3,9711,651
Net income54,03820,390
Less: net income attributable to noncontrolling interest25,63731,762
Net income (loss) attributable to OppFi Inc.$28,401$(11,372)

Item 1. Financial Statements (Unaudited)

FAQ

What is OppFi's business segments — pre-tax income?
OppFi (OPFI) reported business segments — pre-tax income of $58.01M in Q1 2026.
How has OppFi's business segments — pre-tax income changed year-over-year?
OppFi's business segments — pre-tax income increased by 163.2% year-over-year, from $22.04M to $58.01M.
What is the long-term trend for OppFi's business segments — pre-tax income?
Over 3 years (2022 to 2025), OppFi's business segments — pre-tax income has grown at a 270.8% compound annual growth rate (CAGR), from $3.06M to $156.13M.
What does business segments — pre-tax income mean?
Represents the total profitability of the business segment after accounting for all operating and non-operating expenses, but before the deduction of income tax obligations. This metric provides a clear view of the segment's pre-tax earning power and operational efficiency.

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