OppFi Inc.

For the period ended Jun 30, 2026. Filed Aug 10, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2026 · Filed Aug 10, 2026

OPFI$6.03-2.4%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated Statements of Operations

Consolidated Statements of Operations (Unaudited)

(in thousands, except share and per share data)

	Three Months Ended June 30,		Six Months Ended June 30,
	2026	2025	2026	2025
Revenue:
Interest on finance receivables	$143,726	$141,144	$294,252	$280,262
Other revenue	1,444	1,299	2,799	2,449
	145,170	142,443	297,051	282,711
Change in fair value of finance receivables	(58,999)	(42,197)	(123,582)	(91,655)
Net revenue	86,171	100,246	173,469	191,056
Expenses:
Salaries and employee benefits	16,294	17,754	30,548	31,532
Direct marketing costs	11,403	11,890	21,788	22,178
Professional fees	13,613	4,792	20,877	8,991
Interest expense and amortized debt issuance costs	8,125	9,639	16,635	19,886
Technology costs	3,525	3,382	6,854	6,343
Payment processing fees	1,634	1,527	3,292	3,157
Depreciation and amortization	1,509	1,502	2,100	3,262
Occupancy	987	1,030	1,858	2,069
General, administrative and other	4,726	3,922	9,800	6,338
Total expenses	61,816	55,438	113,752	103,756
Income from operations	24,355	44,808	59,717	87,300
Other income (expense):
Change in fair value of warrant liabilities	201	(33,304)	21,496	(54,911)
Income from equity method investment	813	1,121	1,933	2,197
Other income	87	79	319	159
Income before income taxes	25,456	12,704	83,465	34,745
Income tax expense	9,844	1,224	13,815	2,875
Net income	15,612	11,480	69,650	31,870
Less: net income attributable to noncontrolling interest	770	32,260	26,407	64,022
Net income (loss) attributable to OppFi Inc.	$14,842	$(20,780)	$43,243	$(32,152)
Earnings (loss) per common share attributable to OppFi Inc.:
Earnings (loss) per common share:
Basic	$0.22	$(0.78)	$0.91	$(1.28)
Diluted	$0.18	$(0.78)	$0.74	$(1.28)
Weighted average common shares outstanding:
Basic	67,512,878	26,610,330	47,371,349	25,158,196
Diluted	86,037,151	26,610,330	86,117,558	25,158,196
See notes to consolidated financial statements.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.