OppFi OPFI Adjustment On Transfer Of Finance Receivables From Held For Sale To Held For Investment

Discontinued — last reported Q4 '25

Adjustment On Transfer Of Finance Receivables From Held For Sale To Held For Investment at other companies

CNB FinancialCCNE

$866K—

Five Star BancorpFSBC

$0-100%

Provident Financial ServicesPFS

$0-100%

CNB FinancialCCNE

$96.25K-12.1%

First Citizens BancSharesFCNCA

$32M—

TFI

Triumph FinancialTFIN

$5.98M+5.0%

Segments

By segment

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Reportable Segment$0—

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

See full

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$799.28M+138%

Enterprise value$710.29M+175%

P/E12.1×-21.8×

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

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 opfi:AdjustmentOnTransferOfFinanceReceivablesFromHeldForSaleToHeldForInvestment.

The official record: OppFi’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OppFi's adjustment on transfer of finance receivables from held for sale to held for investment?: OppFi (OPFI) reported adjustment on transfer of finance receivables from held for sale to held for investment of $0 in Q4 2025.
What does adjustment on transfer of finance receivables from held for sale to held for investment mean?: This represents the accounting impact resulting from reclassifying loan assets between 'held-for-sale' and 'held-for-investment' categories. Such transfers often reflect changes in management's intent regarding the long-term retention of credit assets versus their sale in the secondary market. It is a critical metric for understanding shifts in capital allocation and balance sheet liquidity strategy.