1. United States of America Stocks

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    Technology

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    Software - Application
OppFi Inc.

OppFi Inc.

OPFI
OppFi Inc.US flagNew York Stock Exchange
8.36
USD
-0.02
- -
713.89MMarket Cap

Income Statement (USD)

APIChat
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
229
291
351
453
509
526
597
+ Sales & Services Revenue
229
291
351
453
509
526
597
- Cost of Revenue
24
44
89
95
107
105
100
+ Cost of Goods & Services
24
44
89
95
107
105
100
Gross Profit
205
247
261
358
402
421
497
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
150
148
118
127
124
122
114
+ Selling, General & Admin
24
38
89
88
87
90
92
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
126
110
29
39
37
32
23
Operating Income (Loss)
55
99
143
231
278
299
383
- Non-Operating (Income) Loss
22
21
53
228
236
211
226
+ Interest Expense, Net
21
19
- -
33
- -
- -
- -
+ Interest Expense
21
19
- -
33
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
2
2
53
195
236
211
226
Pretax Income
33
78
90
3
42
88
156
- Income Tax Expense (Benefit)
- -
- -
- -
- -
2
4
10
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
33
78
90
3
39
84
146
- Net Extraordinary Losses (Gains)
- -
- -
128
-8
81
153
240
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
128
-8
81
153
240
Income (Loss) Incl. MI
33
78
-39
11
-41
-69
-94
- Minority Interest
- -
- -
-64
4
-40
-77
-120
Net Income, GAAP
33
78
26
7
-1
7
26
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
33
78
26
7
-1
7
26
EBIT
55
99
143
231
278
299
383
EBITDA
60
105
154
245
291
309
388
EBITDA Margin (%)
26.06
36.24
43.82
54.05
57.08
58.67
64.94
EBITA
55
99
143
231
278
299
383
Gross Margin (%)
89.66
84.81
74.56
78.99
78.89
80
83.24
Operating Margin (%)
24.19
33.93
40.89
51.05
54.58
56.84
64.07
Profit Margin (%)
14.4
26.64
7.29
1.57
-0.2
1.38
4.41
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.73
1.22
3.86
0.09
0.62
2.22
2.45
Depreciation Expense
4
7
10
14
13
10
5
Basic Weighted Avg Shares
13
13
13
14
16
20
27
Basic EPS, GAAP
2.54
5.97
1.93
0.51
-0.06
0.36
0.99
Basic EPS from Cont Ops
2.54
5.97
6.79
0.24
2.41
4.16
5.52
Diluted Weighted Avg Shares
13
13
84
84
16
20
27
Diluted EPS, GAAP
2.54
5.97
0.3
0.08
-0.06
0.36
0.99
Diluted EPS from Cont Ops
2.54
5.97
1.06
0.04
2.41
4.16
5.52

Balance Sheet (USD)

APIChat
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
- -
268
450
510
539
564
639
+ Cash, Cash Equivalents & STI
- -
26
25
16
32
61
49
+ Cash & Cash Equivalents
- -
26
25
16
32
61
49
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
- -
222
388
460
465
476
546
+ Accounts Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
388
458
- -
- -
- -
+ Other Receivable, Net
- -
222
- -
2
465
476
546
+ Inventories
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
- -
20
37
34
42
27
44
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
18
52
70
62
77
115
+ Property, Plant & Equip, Net
- -
11
15
28
22
24
36
+ Property, Plant & Equip
- -
25
39
65
73
84
101
- Accumulated Depreciation
- -
14
25
37
50
59
64
+ LT Investments & Receivables
- -
- -
- -
- -
- -
19
19
+ LT Investments
- -
- -
- -
- -
- -
19
19
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
7
37
42
40
34
59
+ Total Intangible Assets
- -
- -
- -
- -
- -
- -
- -
+ Goodwill
- -
- -
- -
- -
- -
- -
- -
+ Other Intangible Assets
- -
- -
- -
- -
- -
- -
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
7
37
42
40
34
59
Total Assets
- -
286
502
580
602
641
754
+ Payables & Accruals
- -
22
33
55
51
60
86
+ Accounts Payable
- -
1
6
6
4
1
3
+ Accrued Taxes
- -
- -
- -
26
25
27
40
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
21
27
23
22
32
43
+ ST Debt
- -
16
22
- -
- -
- -
- -
+ ST Borrowings
- -
16
22
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
- -
6
-20
- -
- -
- -
- -
+ Deferred Revenue
- -
2
3
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
4
-22
- -
- -
- -
- -
Total Current Liabilities
- -
44
36
55
51
60
86
+ LT Debt
- -
142
274
364
349
332
333
+ LT Borrowings
- -
142
274
347
334
319
321
+ LT Finance Leases
- -
- -
- -
17
15
13
11
+ Other LT Liabilities
- -
- -
35
2
7
15
26
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
- -
35
2
7
15
26
Total Noncurrent Liabilities
- -
142
309
366
356
347
359
Total Liabilities
- -
187
344
421
408
407
445
+ Preferred Equity and Hybrid Capital
- -
7
- -
- -
- -
- -
- -
+ Share Capital & APIC
- -
- -
62
66
76
94
114
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
- -
- -
62
66
76
94
114
- Treasury Stock
- -
- -
- -
2
2
6
22
+ Retained Earnings
- -
92
-71
-64
-64
-55
-34
+ Other Equity
- -
- -
- -
- -
- -
- -
- -
Equity Before Minority Interest
- -
99
-9
- -
10
33
58
+ Minority/Non Controlling Interest
- -
- -
167
160
184
201
250
Total Equity
- -
99
158
159
194
234
309
Total Liabilities & Equity
- -
286
502
580
602
641
754
Shares Outstanding
- -
13
14
15
19
22
27
Number of Employees
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
17
15
13
11
Net Debt
- -
133
271
331
302
257
272
Net Debt to Equity
- -
133.4
171.9
207.87
155.81
109.91
88.03
Tangible Common Equity Ratio
- -
32.42
31.44
27.45
32.26
36.53
40.96
Current Ratio
- -
6.03
12.62
9.24
10.48
9.43
7.44
Cash Conversion Cycle
- -
-5.7
-15.31
-23.86
-18.31
-9.23
-6.66

Cash Flow Statement (USD)

APIChat
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
33
78
90
3
39
84
146
+ Depreciation & Amortization
4
7
10
14
13
10
5
+ Non-Cash Items
116
93
63
236
246
224
251
+ Stock-Based Compensation
- -
- -
3
3
4
5
10
+ Deferred Income Taxes
- -
- -
- -
-1
2
4
6
+ Asset Impairment Charge
- -
- -
- -
4
- -
- -
- -
+ Other Non-Cash Adj
116
93
61
229
240
215
235
+ Chg in Non-Cash Work Cap
-4
15
4
-9
-2
7
-1
+ (Inc) Dec in Accts Receiv
-5
6
-3
-7
-2
- -
2
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
11
4
12
-5
-3
7
- -
+ Inc (Dec) in Other
-10
5
-5
2
3
- -
-4
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
149
192
167
243
296
324
401
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-7
-11
-14
-13
-9
-13
-19
+ Acq of Fixed Prod Assets
-7
-11
-14
-13
-9
-13
-19
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
-2
- -
-4
-16
+ Increase in Capital Stock
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
-2
- -
-4
-16
+ Net Change in LT Investment
- -
- -
- -
- -
- -
- -
- -
+ Dec in LT Investment
- -
- -
- -
- -
- -
- -
- -
+ Inc in LT Investment
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
-16
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
-16
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-208
-88
-185
-304
-235
-214
-289
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-214
-98
-199
-317
-244
-243
-308
+ Dividends Paid
-9
-16
-51
-1
-10
-45
-65
+ Net Cash From Debt
90
-66
123
69
-16
-16
3
+ Cash From Debt
90
6
127
93
187
217
253
+ Repayments of Debt
- -
-72
-4
-23
-202
-233
-251
+ Other Financing Activities
-2
-2
-24
-4
-2
-2
-11
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
78
-84
49
61
-28
-66
-89
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
13
10
17
-13
24
14
5
EBITDA
60
105
154
245
291
309
388
EBITDA Margin (%)
26.06
36.24
43.82
54.05
57.08
58.67
64.94
Free Cash Flow
142
181
153
230
287
311
382
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
16
- -
Free Cash Flow to Firm
163
201
153
- -
287
311
382
Free Cash Flow to Equity
- -
122
270
299
271
295
385
Free Cash Flow per Basic Share
10.96
13.98
11.57
16.53
17.52
15.43
14.42
Price/Free Cash Flow
- -
0.62
2.02
0.65
0.26
0.46
0.66
Cash Flow to Net Income
4.51
2.48
6.55
34.28
-294.67
44.61
15.24
Capital Expenditures
-7
-11
-14
-13
-9
-13
-19