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OppFi Inc. (OPFI) Annual Reports

Q: Where can I read OppFi Inc. (OPFI) annual reports?

Every year on this page links straight to the full text on SEC EDGAR. US annual reports are web pages (HTML) rather than PDFs, so you can read and search them in the browser. 3 filings are currently indexed.

Q: What is the difference between a 10-K and a 20-F?

A 10-K is the annual report of a US domestic issuer; a 20-F is filed by foreign private issuers (Taiwanese companies with US ADRs, such as TSMC, file 20-F). A 40-F applies to Canadian issuers under the MJDS.

OppFi Inc. is listed on NYSE, classified by the SEC under Finance Services (SIC 6199). This page indexes 3 annual reports, each linking to the full text on the SEC's EDGAR system.

Company profile

Exchange： NYSE
Fiscal year end： 12/31
SEC CIK： 1818502 →

Website：Official site ↗

Financial Highlights

FY2026 Q2 (quarterly, ended 2026-06-30)
	Current	Prior year	YoY
Revenue	$86.2M	$100.2M	-14.0%
Operating income	$24.4M	$44.8M	-45.6%
Net income	$14.8M	$-20.8M	+171.4%
EPS (diluted)	$0.18	$-0.78	+123.1%

Company guidance
	Period	Range
Revenue	FY2026	$600M – $625M

Figures are the company’s own outlook as stated in its earnings release, not analyst estimates.

Source: SEC EDGAR (XBRL company facts); guidance from Form 8-K Exhibit 99.1

Financial history

Revenue & profit

Quarterly · In mn (USD)

Revenue 86.2 mn Net income 14.8 mn

Show table：Income statement

Item	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Revenue	115	—	44.9	64.3	61.9	67.0	72.9	61.9	50.7	65.2	52.6	48.5	57.2	74.6	75.7	65.8	63.2	86.3	91.2	80.8	90.8	100	105	85.6	87.3	86.2
Operating income	33.0	—	19.3	-0.19	-1.81	-0.54	11.5	3.37	-2.16	6.40	-0.97	-9.61	3.73	18.3	15.6	8.71	5.28	29.5	35.1	24.7	42.5	44.8	48.5	30.9	35.4	24.4
Net income	33.0	0	0	16.2	-3.09	-16.3	14.1	11.4	1.08	3.46	-0.57	3.14	0.25	2.14	2.17	-5.57	5.54	3.07	4.26	-5.61	-11.4	-20.8	41.6	16.9	28.4	14.8

Balance sheet

Quarterly · In mn (USD)

Total assets 771 mn Total liabilities 356 mn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Show table：Balance sheet

Item	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Current assets	—	—	1.96	1.37	0.79	0.43	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total assets	—	—	1.96	245	244	244	441	502	513	578	580	580	560	577	601	602	563	573	619	641	640	673	721	754	720	771
Current liabilities	—	—	1.93	0.14	1.37	1.54	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total liabilities	—	—	1.93	0.14	25.1	41.0	302	344	356	413	415	421	396	400	411	408	366	371	399	407	403	456	443	445	377	356
Equity	—	—	0.03	6.24	5.00	5.00	-23.2	-9.04	-8.75	-3.98	-3.24	-0.49	1.44	7.45	11.4	10.4	18.2	18.6	34.9	32.8	22.6	13.3	49.4	58.5	75.7	414

Cash flow

Quarterly · In mn (USD)

Operating 92.0 mn Investing -57.0 mn Financing -43.1 mn

Positive = cash in, negative = cash out.

Show table：Cash flow statement

Item	2019Q4	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Operating	149	0	-0.28	-0.56	-0.27	121	47.3	44.7	58.0	69.5	71.0	65.6	72.9	75.0	82.6	74.4	77.3	77.6	94.5	83.7	95.6	105	117	90.8	92.0
Investing	-214	-43.6	-243	-0.01	0.01	-110	-89.5	-52.2	-112	-79.1	-73.8	-28.3	-74.9	-76.8	-64.3	-18.0	-59.3	-93.3	-72.8	-34.2	-81.3	-103	-89.4	-21.4	-57.0
Financing	78.0	0.03	245	0	0	1.03	47.8	5.10	51.8	2.41	1.97	-15.6	-7.30	5.68	-10.3	-41.6	-25.9	9.09	-7.62	-47.0	-26.8	-5.34	-9.37	-62.7	-43.1
Cash at period end	36.0	0.03	25.6	0.58	0.31	27.6	25.1	27.0	23.5	14.0	16.2	32.2	26.8	31.1	31.8	47.2	46.6	44.8	61.3	58.0	45.2	45.5	49.5	63.9	64.3

Profitability

Quarterly · %

Operating margin 28.3% Net margin 17.2%

Gross, operating and net margin = the respective profit ÷ revenue.

Show table：Profitability

Item	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Operating margin	28.7%	—	43.1%	-0.3%	-2.9%	-0.8%	15.8%	5.5%	-4.3%	9.8%	-1.8%	-19.8%	6.5%	24.6%	20.6%	13.3%	8.4%	34.2%	38.5%	30.5%	46.8%	44.7%	46.3%	36.1%	40.5%	28.3%
Net margin	28.7%	—	0.0%	25.1%	-5.0%	-24.3%	19.4%	18.5%	2.1%	5.3%	-1.1%	6.5%	0.4%	2.9%	2.9%	-8.5%	8.8%	3.5%	4.7%	-6.9%	-12.5%	-20.7%	39.8%	19.7%	32.5%	17.2%

Returns & leverage

Quarterly · %

ROE 47.6% ROA 14.1% Debt ratio 46.3%

ROE / ROA = trailing four-quarter net income ÷ average equity / total assets (annual mode: the year’s net income ÷ average of opening and closing). Not computed when the denominator is zero or negative.

Show table：Returns & leverage

Item	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
ROE	—	—	—	788.1%	261.4%	-63.8%	—	—	—	5876.5%	—	—	—	285.6%	188.4%	-20.2%	43.6%	39.9%	31.5%	33.6%	-47.4%	-209.5%	9.2%	57.7%	134.6%	47.6%
ROA	—	—	—	20.1%	5.3%	-1.3%	4.9%	1.7%	2.7%	7.3%	3.0%	1.3%	1.2%	0.9%	1.3%	-0.2%	0.8%	0.9%	1.2%	1.2%	-1.6%	-5.4%	0.6%	3.8%	9.7%	14.1%
Debt ratio	—	—	98.5%	0.1%	10.3%	16.8%	68.6%	68.6%	69.5%	71.4%	71.5%	72.5%	70.7%	69.3%	68.4%	67.7%	65.0%	64.8%	64.4%	63.5%	63.0%	67.7%	61.5%	59.0%	52.4%	46.3%

EPS

Quarterly · US$

EPS US$0.18

Show table：EPS

Item	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
EPS（US$）	0.00	—	0.00	0.00	—	—	1.06	0.85	0.08	0.10	-0.04	-0.04	0.02	0.14	0.13	-0.35	0.10	0.16	0.21	-0.29	-0.48	-0.78	0.77	0.63	0.56	0.18

Revenue & profit

Year-to-date · In mn (USD)

Revenue 173 mn Net income 43.2 mn

Year-to-date = summed from the first quarter of the fiscal year; balance-sheet items are period-end balances.

Balance sheet

Year-to-date · In mn (USD)

Total assets 771 mn Total liabilities 356 mn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Cash flow

Year-to-date · In mn (USD)

Operating 183 mn Investing -78.5 mn Financing -106 mn

Positive = cash in, negative = cash out.

Profitability

Year-to-date · %

Operating margin 34.4% Net margin 24.9%

Gross, operating and net margin = the respective profit ÷ revenue.

Returns & leverage

Year-to-date · %

ROE 47.6% ROA 14.1% Debt ratio 46.3%

EPS

Year-to-date · US$

EPS US$0.74

Revenue & profit

Annual · In mn (USD)

Revenue 381 mn Net income 26.3 mn

Annual = sum of four quarters of a complete fiscal year (incomplete years are omitted); balance-sheet items are year-end balances.

Show table：Income statement

Item	2021	2022	2023	2024	2025
Revenue	264	217	273	321	381
Operating income	12.5	-6.34	46.4	94.5	167
Net income	6.21	7.10	-1.00	7.26	26.3

Balance sheet

Annual · In mn (USD)

Total assets 754 mn Total liabilities 445 mn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Show table：Balance sheet

Item	2021	2022	2023	2024	2025
Total assets	502	580	602	641	754
Total liabilities	344	421	408	407	445
Equity	-9.04	-0.49	10.4	32.8	58.5

Cash flow

Annual · In mn (USD)

Operating 401 mn Investing -308 mn Financing -88.5 mn

Positive = cash in, negative = cash out.

Show table：Cash flow statement

Item	2021	2022	2023	2024	2025
Operating	167	243	296	324	401
Investing	-199	-317	-244	-243	-308
Financing	48.8	61.3	-27.6	-66.0	-88.5
Cash at period end	25.1	16.2	31.8	61.3	49.5

Profitability

Annual · %

Operating margin 43.7% Net margin 6.9%

Gross, operating and net margin = the respective profit ÷ revenue.

Show table：Profitability

Item	2021	2022	2023	2024	2025
Operating margin	4.8%	-2.9%	17.0%	29.4%	43.7%
Net margin	2.4%	3.3%	-0.4%	2.3%	6.9%

Returns & leverage

Annual · %

ROE 57.7% ROA 3.8% Debt ratio 59.0%

Show table：Returns & leverage

Item	2021	2022	2023	2024	2025
ROE	—	—	-20.2%	33.6%	57.7%
ROA	1.2%	1.3%	-0.2%	1.2%	3.8%
Debt ratio	68.6%	72.5%	67.7%	63.5%	59.0%

EPS

Annual · US$

EPS US$0.14

Show table：EPS

Item	2021	2022	2023	2024	2025
EPS（US$）	—	0.10	-0.06	0.18	0.14

Source: SEC EDGAR (XBRL company facts)

Annual reports by year

	10-K
2025	Open full text →
2024	Open full text →
2023	Open full text →

10-K: annual report of a US domestic issuer. Filings are the original documents hosted on SEC EDGAR — this site neither mirrors nor edits them.

FAQ

Where can I read OppFi Inc. (OPFI) annual reports?

Every year in the table above links straight to the full text on SEC EDGAR. US annual reports are web pages (HTML) rather than PDFs, so you can read and search them in the browser without downloading anything. 3 filings are currently indexed.

What is the difference between a 10-K and a 20-F?

A 10-K is the annual report of a US domestic issuer, with sections fixed by law: Item 1 Business, Item 1A Risk Factors, Item 7 Management's Discussion and Analysis. A 20-F is filed by foreign private issuers — Taiwanese companies with US ADRs, such as TSMC, file 20-F rather than 10-K. A 40-F applies to Canadian issuers under the MJDS.

Are earnings call materials available here?

No. Earnings calls are not SEC filings, so US pages on this site cover annual reports only. Taiwan has a mandatory investor-conference disclosure regime, and those materials are indexed under Annual Reports.

Source: US Securities and Exchange Commission (SEC) EDGAR. This site indexes public filings and links to them; it hosts no copies, offers no investment advice, and makes no warranty as to timeliness or completeness.
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