Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Operating income | $33.0M | $77.5M | $57.3M | -$6.34M | $46.4M | $94.5M | $167M |
| Net income | $33.0M | $77.5M | $25.6M | $7.10M | -$1.00M | $7.26M | $26.3M |
| EPS (diluted) | $0.00 | $0.00 | $0.48 | $0.05 | -$0.06 | $0.36 | $0.99 |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | $149M | $192M | $167M | $243M | $296M | $324M | $401M |
| Capital expenditures | $6.64M | $10.7M | $14.4M | $13.3M | $8.99M | $13.0M | $19.1M |
| Free cash flow | $142M | $181M | $153M | $230M | $287M | $311M | $382M |
| Share buybacks | — | $0.00 | $0.00 | $2.46M | $0.00 | $3.55M | $15.5M |
| Dividends paid | — | — | — | $0.00 | $0.00 | $2.37M | $6.41M |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $36.0M | $25.6M | $25.1M | $16.2M | $31.8M | $61.3M | $49.5M |
| Total assets | — | $286M | $502M | $580M | $602M | $641M | $754M |
| Total liabilities | — | $187M | $344M | $421M | $408M | $407M | $445M |
| Long-term debt | — | — | $50.0M | — | — | — | — |
| Shareholders' equity | — | $0.00 | -$9.04M | -$494K | $10.4M | $32.8M | $58.5M |
| Retained earnings | — | $92.3M | -$70.7M | -$63.5M | -$63.6M | -$55.1M | -$33.5M |
| Shares (wtd avg diluted) | — | — | 84.5M | 84.3M | 16.4M | 20.1M | 26.5M |
Every figure is extracted from OppFi Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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