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Financial Analysis

Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data

Fundamentals

OppFi Inc. OPFI

· Financials · Finance Services

Fundamentals
SEC EDGAR

Filing evidence summary

Constructive evidenceCoverage 2/5 core metrics

2 filing-based checks were evaluable.

Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.

Evidence signals

  • No current rule-based risk flags

    2 filing-based checks were evaluable.

    Why this surfaced

    The full financial analysis shows each value, threshold, and sector limitation.

  • Free cash flow was positive

    Latest reported free cash flow was $382M.

    Why this surfaced

    Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.

Core trend metrics

Free cash flow
$382M
as of 2025-12-31
ROIC snapshot
28.4%
period varies

Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.

Where to look next

Risk checks

0of 2 rule-based checks flagged

Financial movement

  • Cash→ flat
  • Long-term debt→ flat
  • Inventory→ flat
  • Receivables→ flat
  • Current assets→ flat

Source & freshness

Source
SEC EDGAR XBRL
Fetched
2026-09-06
Latest period end
2025-12-31
Filings
EDGAR ↗

Reported segment mix

figures as filed · share of the filed sum · change vs the prior period in the same filing
Fiscal year ending 2025-12-3110-K filed 2026-03-12prior period 2024-12-31 from the same filingView filing
By business segment
Operating income
  • Reportable Segment$167M
    100.0%
    +76.3% yoy

Members sum to the consolidated $167M for this period.

Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.

Peer percentiles

latest fiscal year ending 2025-12-31 · among 4,122 US-listed filers · 907 in Financials
MetricValuevs all filersvs sector
Return on equity
net income ÷ stockholders' equity (positive equity only)
45.0%
96thof 3,577
top third
96thof 774
top third
Cash conversion
operating cash flow ÷ net income (net income > 0)
15.2×
97thof 2,183
top third
99thof 673
top third
Cash-flow accrual ratio
(net income − operating cash flow) ÷ average total assets · lower is ranked higher
-53.8%
97thof 3,577
top third
98thof 804
top third
Balance-sheet accrual ratio
change in net operating assets ÷ average net operating assets · lower is ranked higher
40.0%
19thof 3,059
bottom third
21stof 734
bottom third

Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.

Earnings quality

latest fiscal year ending 2025-12-31 · accruals and cash conversion as filed
Cash conversion
15.24×
operating cash flow ÷ net income, latest fiscal year
Cash-flow accrual ratio
-53.7%
(net income − operating cash flow) ÷ average total assets
Balance-sheet accrual ratio
40.0%
change in net operating assets ÷ average net operating assets
Cash-backed years
5 of 5
fiscal years where operating cash flow met or exceeded net income
Mean cash conversion
25.17×
across the stored fiscal years with positive net income

Per fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.

Point-in-time ledger

first-reported vs latest filing · periods since 2020-01-01 · 9 changed periods
Line itemPeriodFirst reportedLatest filingChangeFilings
Total liabilities
Liabilities
balance at 2020-12-31$136K
10-K 2021-03-03
$187M
10-K/A 2023-03-22
+137396.3%first · latest · 9 filings carry it
Operating cash flow
NetCashProvidedByUsedInOperatingActivities
quarter 2021-03-31-$556K
10-Q 2021-05-12
$45.4M
10-Q/A 2023-03-22
+8253.4%first · latest · 3 filings carry it
Operating income
OperatingIncomeLoss
quarter 2021-06-30-$544K
10-Q 2021-08-10
$18M
10-Q 2022-08-09
+3408.6%first · latest
Operating income
OperatingIncomeLoss
quarter 2021-03-31-$1.81M
10-Q 2021-05-12
$24.4M
10-Q/A 2023-03-22
+1446.4%first · latest · 3 filings carry it
Diluted shares
WeightedAverageNumberOfDilutedSharesOutstanding
fiscal year 2021-12-3113,227,049 shares
10-K 2022-03-11
84,474,039 shares
10-K 2024-03-27
+538.6%first · latest · 4 filings carry it
Diluted shares
WeightedAverageNumberOfDilutedSharesOutstanding
quarter 2021-09-3013,363,995 shares
10-Q 2021-11-15
84,464,783 shares
10-Q/A 2023-03-22
+532.0%first · latest · 4 filings carry it
Diluted shares
WeightedAverageNumberOfDilutedSharesOutstanding
quarter 2022-03-3113,635,483 shares
10-Q 2022-05-06
84,473,957 shares
10-Q 2023-05-11
+519.5%first · latest · 3 filings carry it
Stockholders' equity
StockholdersEquity
balance at 2020-12-31$6.24M
10-K 2021-03-03
$5M
10-Q 2021-08-10
-19.8%first · latest · 4 filings carry it
Total assets
Assets
balance at 2020-12-31$245M
10-K 2021-03-03
$286M
10-K/A 2023-03-22
+16.8%first · latest · 9 filings carry it

First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.

Notes by disclosure type

Not available for OPFI yet: no footnote text blocks on file for this filer in the ingested DERA files.

Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.

Educational content only. Not financial advice. TrendNalysis provides educational and informational financial analysis built from public SEC filings and economic data (FRED, BLS). It is not financial, investment, tax, or legal advice and is not a recommendation to buy or sell any security. Market pricing is not currently included. Past performance does not guarantee future results. Always do your own research and consult a licensed financial professional before investing.