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OppFi OPFI Business Segments — Revenues, Net of Interest Expense

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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$833.44M+167%
Enterprise value$744.45M+202%
P/E12.6×-80.2×
P/S2.2×+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:RevenuesNetOfInterestExpense.

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
Charge-offs, net(64,485)(48,512)
Net change in fair value(98)(946)
Change in fair value of finance receivables(64,583)(49,458)
Net revenue87,29890,810
Expenses:
Salaries and employee benefits14,25413,778
Direct marketing costs10,38510,288
Interest expense and amortized debt issuance costs8,51010,247

Item 1. Financial Statements (Unaudited)

FAQ

What is OppFi's business segments — revenues, net of interest expense?
OppFi (OPFI) reported business segments — revenues, net of interest expense of $87.3M in Q1 2026.
How has OppFi's business segments — revenues, net of interest expense changed year-over-year?
OppFi's business segments — revenues, net of interest expense decreased by 3.9% year-over-year, from $90.81M to $87.3M.
What is the long-term trend for OppFi's business segments — revenues, net of interest expense?
Over 3 years (2022 to 2025), OppFi's business segments — revenues, net of interest expense has grown at a 20.7% compound annual growth rate (CAGR), from $216.96M to $381.18M.
What does business segments — revenues, net of interest expense mean?
Calculated as the total revenue generated by the segment minus the interest expense incurred to fund its lending activities. This metric represents the net interest margin or core spread earned by the segment, providing a clearer view of profitability than gross revenue alone. It is a key indicator of the segment's ability to manage its cost of capital effectively.

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