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OppFi OPFI Technology costs

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Segments

By segment

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Reportable Segment$3.33M+12.4%

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$751.46M+138%
Enterprise value$662.47M+175%
P/E11.4×-20.5×
P/S2×+1.1×

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 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 technology costs?
OppFi (OPFI) reported technology costs of $3.33M in Q1 2026.
How has OppFi's technology costs changed year-over-year?
OppFi's technology costs increased by 12.4% year-over-year, from $2.96M to $3.33M.
What is the long-term trend for OppFi's technology costs?
Over 3 years (2022 to 2025), OppFi's technology costs has grown at a -1.6% compound annual growth rate (CAGR), from $13.05M to $12.43M.
What does technology costs mean?
These are expenses related to the maintenance, development, and operation of the company's digital infrastructure and software platforms. For a tech-enabled finance company, this metric reflects the investment in automation, cybersecurity, and platform scalability. It is a key indicator of the firm's commitment to operational efficiency and digital competitive advantage.