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OppFi OPFI Business Segments — Technology costs

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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+149%
Enterprise value$713.71M+182%
P/E12.1×-77.2×
P/S2.1×+1.2×

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 opfi:TechnologyCosts.

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
Direct marketing costs10,38510,288
Interest expense and amortized debt issuance costs8,51010,247
Professional fees7,2644,199
Technology costs3,3292,961
Payment processing fees1,6581,630
Occupancy8711,039
Depreciation and amortization5911,760
General, administrative and other5,0742,416

Item 1. Financial Statements (Unaudited)

FAQ

What is OppFi's business segments — technology costs?
OppFi (OPFI) reported business segments — technology costs of $3.33M in Q1 2026.
How has OppFi's business segments — technology costs changed year-over-year?
OppFi's business segments — technology costs increased by 12.4% year-over-year, from $2.96M to $3.33M.
What is the long-term trend for OppFi's business segments — technology costs?
Over 3 years (2022 to 2025), OppFi's business segments — technology costs has grown at a -1.6% compound annual growth rate (CAGR), from $13.05M to $12.43M.
What does business segments — technology costs mean?
Includes expenses related to software, infrastructure, data processing, and IT support necessary to maintain the segment's digital lending platform. As a tech-enabled finance business, this metric highlights the ongoing investment in the core platform's scalability and security. It is a key indicator of the segment's commitment to digital innovation and operational automation.

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