OppFi Inc. (OPFI)

From the record

OppFi Inc.'s filings since 2020 show 7 warning events of 3 kinds: a debt default or acceleration notice (8-K item 2.04, 4 times, the latest 2026-04-16); a warning not to rely on past financial statements (8-K item 4.02, 2 times, the latest 2022-12-09); an auditor change (8-K item 4.01, the latest 2021-10-05) (its current reports).

From the record

OppFi Inc.'s 7 filed years say what it did: revenue went from $115 million in fiscal 2019 to $381 million in fiscal 2025, up 22.1% a year; it rose in 5 of 6 years; the deepest fall was 18% from fiscal 2021 to fiscal 2022; net income was positive in 7 of 7 of those years (its annual reports).

From the record

Over the 4 fiscal years to 2025-12-31, OppFi Inc.'s diluted share count shrank about 25.2% a year, and dividends and buybacks returned about 3% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 13 sales (5 under scheduled 10b5-1 plans) and 23 purchases of their own stock on the open market in the year to 2026-10-05, buying about $1 million (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, OppFi Inc. earned about 250 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count grew 31.6% over the year (the filed statements).

From the record

OppFi Inc.'s standing among 114 graded names in its industry family: revenue of $381 million in fiscal 2025 ranks in the top 29% by size; a net margin of 38.4% ranks in the top 10%; revenue growth of 20.7% a year over the last 3 filed years ranks in the top 43% (its annual reports).

From the record

OppFi Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Schwartz, Todd G. (Chief Executive Officer, as filed), filing under that title since 2022-05-12, 4.5 years (top 32% of its family); the 8 officers and directors filing in the last fifteen months have been on the record a median of 5.3 years (top 41%); no officer or director change was reported on Form 8-K since 2023-11-13, against the 8 people in charge now (top 4%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

OppFi Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $93 million against no long-term debt tagged leaves 12.4% of its assets as net cash, top 33% of its family; cash from operations less capital spending is 100.3% of revenue (top 3%) (its annual report).

From the record

OppFi Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 20.7% a year over the last three filed years against 22.1% over all 7, slowing (bottom 38% of its family); the newest year grew 18.6% (top 42%); capital spending grew 13% a year (top 46%) (its annual reports). OppFi Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

OppFi Inc.'s newest year against its own record: revenue of $381 million in fiscal 2025 came in 2.6% below the $391 million its prior three years' pace pointed to (bottom 46% of its family); net income of $146 million against a prior three-year average of $42 million (top 9%); a net margin of 38.4% against 14% before (top 30%) (its annual reports).