What is OppFi's retained earnings?

OppFi (OPFI) reported retained earnings of -$5.18M in Q1 2026.

How has OppFi's retained earnings changed year-over-year?

OppFi's retained earnings increased by 92.8% year-over-year, from -$72.17M to -$5.18M.

What is the long-term trend for OppFi's retained earnings?

Over 5 years (2020 to 2025), OppFi's retained earnings has grown at a -18.3% compound annual growth rate (CAGR), from $92.32M to -$33.51M.

What does retained earnings mean?

Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

OppFi OPFI Retained Earnings

Retained Earnings at other companies

Enova InternationalENVA

$2.1B+18.4%

Upstart Holdings, Inc.UPST

-$364.2M+11.9%

Oaktree Specialty LendingOCSL

-$968.89M-8.5%

World AcceptanceWRLD

$71.56M-58.0%

Blue Owl Technology Finance Corp.OTF

$86.61M-68.7%

Q2 HoldingsQTWO

-$585.58M+11.2%

Other financials

Income statement

See full

Revenue$87.3M-3.9%

Operating income$35.4M-16.8%

Net income$28.4M+350%

EPS (diluted)$0.56+217%

Balance sheet

See full

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$751.46M+138%

Enterprise value$662.47M+175%

P/E11.4×-20.5×

P/S2×+1.1×

Profitability

See full

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 us-gaap:RetainedEarningsAccumulatedDeficit.

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 retained earnings?: OppFi (OPFI) reported retained earnings of -$5.18M in Q1 2026.
How has OppFi's retained earnings changed year-over-year?: OppFi's retained earnings increased by 92.8% year-over-year, from -$72.17M to -$5.18M.
What is the long-term trend for OppFi's retained earnings?: Over 5 years (2020 to 2025), OppFi's retained earnings has grown at a -18.3% compound annual growth rate (CAGR), from $92.32M to -$33.51M.
What does retained earnings mean?: Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.