Company research
OppFi Inc.
CIK 1818502Updated Nov 6, 2026
SecurityOPFI · NYSE · equity
Name history
FG New America Acquisition Corp. · through Jul 20, 2021
OPFI price & chart
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NYSE:OPFI on TradingView ↗In the news
OppFi Reports Third Quarter 2026 Results ↗
OppFi Reports Third Quarter 2026 Results ↗
Recent filings
10-Q filing
Regulation FD Disclosure · Other Events
Items 7.01, 8.01, 9.01
Results of Operations and Financial Condition · Regulation FD Disclosure
Items 2.02, 7.01, 9.01
Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Other Events
Items 2.03, 8.01, 9.01
144 filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
Source
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 720,615,000Source | 619,266,000Source | 770,729,000Source | 673,375,000Source | 573,093,000Source | 719,987,000Source | 640,072,000Source | 563,206,000Source | 754,090,000Source | 641,171,000Source | 601,543,000Source | 579,839,000Source |
| Property, Plant and Equipment, NetUSD | 23,495,000Source | 11,399,000Source | 35,301,000Source | 19,442,000Source | 9,795,000Source | 32,184,000Source | 16,305,000Source | 9,694,000Source | 27,628,000Source | 13,676,000Source | 10,292,000Source | 14,039,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 45,450,000Source | 44,838,000Source | 64,347,000Source | 45,227,000Source | 46,622,000Source | 63,865,000Source | 57,954,000Source | 47,183,000Source | 49,451,000Source | 61,344,000Source | 31,791,000Source | 16,239,000Source |
| Operating Lease, Right-of-Use AssetUSD | 9,238,000Source | 10,974,000Source | 8,009,000Source | 9,637,000Source | 11,361,000Source | 8,424,000Source | 10,032,000Source | 11,767,000Source | 8,834,000Source | 10,583,000Source | 12,180,000Source | 13,587,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 443,361,000Source | 398,960,000Source | 356,474,000Source | 455,670,000Source | 371,404,000Source | 377,005,000Source | 403,308,000Source | 365,914,000Source | 445,214,000Source | 406,958,000Source | 407,514,000Source | 420,689,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Additional Paid in CapitalUSD | 112,574,000Source | 91,528,000Source | 437,238,000Source | 110,884,000Source | 80,951,000Source | 112,297,000Source | 100,720,000Source | 78,669,000Source | 113,508,000Source | 93,903,000Source | 76,480,000Source | 65,501,000Source |
| Retained Earnings (Accumulated Deficit)USD | -49,795,000Source | -50,638,000Source | 9,730,000Source | -91,531,000Source | -57,341,000Source | -5,179,000Source | -72,168,000Source | -58,044,000Source | -33,505,000Source | -55,127,000Source | -63,591,000Source | -63,546,000Source |
| Stockholders' Equity Attributable to ParentUSD | 49,423,000Source | 34,888,000Source | 414,255,000Source | 13,351,000Source | 18,628,000Source | 75,654,000Source | 22,550,000Source | 18,176,000Source | 58,484,000Source | 32,774,000Source | 10,440,000Source | -494,000Source |
| Liabilities and EquityUSD | 720,615,000Source | 619,266,000Source | 770,729,000Source | 673,375,000Source | 573,093,000Source | 719,987,000Source | 640,072,000Source | 563,206,000Source | 754,090,000Source | 641,171,000Source | 601,543,000Source | 579,839,000Source |
| Stockholders' Equity Attributable to Noncontrolling InterestUSD | 227,831,000Source | 185,418,000Source | 0Source | 204,354,000Source | 183,061,000Source | 267,328,000Source | 214,214,000Source | 179,116,000Source | 250,392,000Source | 201,439,000Source | 183,589,000Source | 159,644,000Source |
| Dividends Payable | — | — | — | — | — | —Source | —Source | —Source | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | 75,933,000Source | 32,057,000Source | 15,612,000Source | 11,480,000Source | 54,038,000Source | 20,390,000Source | 146,247,000Source | 83,837,000Source | 39,479,000Source | 3,340,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation and amortization | — | — | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 1,669,000Source | 1,261,000Source | 9,988,000Source | 5,270,000Source | 4,067,000Source | 3,354,000Source |
| Changes in operating assets and liabilities: | ||||||||||||
| Increase (Decrease) in Accounts PayableUSD | — | — | — | — | — | — | -929,000Source | 1,081,000Source | 1,894,000Source | -3,563,000Source | -1,896,000Source | 238,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | 425,000Source | 4,759,000Source | 3,442,000Source | 1,667,000Source | -553,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 90,779,000Source | 83,740,000Source | 401,305,000Source | 323,806,000Source | 296,146,000Source | 243,297,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -21,436,000Source | -34,241,000Source | -307,804,000Source | -243,442,000Source | -244,292,000Source | -317,244,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | — | — | — | — | — | — | 877,000Source | 848,000Source | 4,601,000Source | 1,335,000Source | 280,000Source | — |
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 9,945,000Source | 0Source | 15,517,000Source | 3,551,000Source | 0Source | 2,460,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -62,686,000Source | -47,019,000Source | -88,526,000Source | -66,019,000Source | -27,581,000Source | 61,255,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | — | — | 6,414,000Source | 2,374,000Source | — | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 75,193,000Source | 74,233,000Source | 91,846,000Source | 78,265,000Source | 99,920,000Source | 90,768,000Source | 93,263,000Source | 88,288,000Source | 73,943,000Source | 49,670,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 8,158,000Source | 9,193,000Source | 36,112,000Source | 42,573,000Source | 43,725,000Source | 32,086,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 19,000Source | 11,000Source | 6,093,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Amortization of Debt Issuance CostsUSD | — | — | — | — | — | — | — | — | — | — | — | 2,372,000Source |
| Capitalized Computer Software, AmortizationUSD | — | — | 1,000,000Source | 2,100,000Source | 1,400,000Source | 1,400,000Source | 500,000Source | 1,600,000Source | 4,700,000Source | 9,000,000Source | 12,000,000Source | 12,700,000Source |
| Depreciation, Amortization and Accretion, NetUSD | — | — | — | 2,300,000Source | — | — | — | — | — | — | 12,700,000Source | 13,600,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 0Source | 3,000Source | — | 0Source | — | 0Source | 0Source | 42,000Source | 4,348,000Source | 1,940,000Source |
| FinancingReceivableTransferToHeldForSaleValuationAllowanceExpenseUSD | — | — | — | — | — | — | — | — | — | — | 2,300,000Source | — |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | 0Source | -1,000Source | -2,000Source | -5,000Source | -3,000Source | -1,000Source |
| Gain (Loss) on Extinguishment of DebtUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 113,000Source | 0Source |
| General and Administrative ExpenseUSD | — | — | 3,900,000Source | 3,589,000Source | 4,726,000Source | 3,922,000Source | 5,074,000Source | 2,416,000Source | 16,590,000Source | 15,053,000Source | 13,643,000Source | 11,865,000Source |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | 1,365,000Source | 627,000Source | 813,000Source | 1,121,000Source | 1,120,000Source | 1,076,000Source | 4,974,000Source | 1,442,000Source | — | — |
| Income Tax Expense (Benefit)USD | — | — | 5,647,000Source | 2,297,000Source | 9,844,000Source | 1,224,000Source | 3,971,000Source | 1,651,000Source | 9,885,000Source | 4,215,000Source | 2,331,000Source | -277,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 41,635,000Source | 4,264,000Source | 14,842,000Source | -20,780,000Source | 28,401,000Source | -11,372,000Source | 26,329,000Source | 7,258,000Source | -1,005,000Source | 7,098,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | 34,298,000Source | 27,793,000Source | 770,000Source | 32,260,000Source | 25,637,000Source | 31,762,000Source | 119,918,000Source | 76,579,000Source | 40,484,000Source | -3,758,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 41,635,000Source | 4,264,000Source | 14,842,000Source | -20,780,000Source | 28,401,000Source | -11,372,000Source | 26,329,000Source | 7,258,000Source | -1,005,000Source | 7,098,000Source |
| Operating Lease, Impairment LossUSD | — | — | — | — | — | — | 0Source | 155,000Source | 155,000Source | 0Source | 0Source | 465,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 1,383,000Source | 1,058,000Source | 1,444,000Source | 1,299,000Source | 1,355,000Source | 1,150,000Source | 5,281,000Source | 4,736,000Source | 3,519,000Source | 1,411,000Source |
| Other Nonoperating Income (Expense)USD | — | — | — | — | — | — | — | — | -4,173,000Source | — | — | — |
| Proceeds from Contributions from AffiliatesUSD | — | — | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | — | — | 1,000Source | 0Source | 59,000Source | — |
| Dividends Payable | — | — | — | — | — | — | —Source | —Source | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (Loss)USD | — | — | 48,445,000Source | 35,092,000Source | 24,355,000Source | 44,808,000Source | 35,362,000Source | 42,492,000Source | 166,678,000Source | 94,536,000Source | 46,355,000Source | -6,342,000Source |
| Other Nonoperating Income (Expense)USD | — | — | — | — | — | — | — | — | -4,173,000Source | — | — | — |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 81,580,000Source | 34,354,000Source | 25,456,000Source | 12,704,000Source | 58,009,000Source | 22,041,000Source | 156,132,000Source | 88,052,000Source | 41,810,000Source | 3,063,000Source |
| Income Tax Expense (Benefit)USD | — | — | 5,647,000Source | 2,297,000Source | 9,844,000Source | 1,224,000Source | 3,971,000Source | 1,651,000Source | 9,885,000Source | 4,215,000Source | 2,331,000Source | -277,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | 34,298,000Source | 27,793,000Source | 770,000Source | 32,260,000Source | 25,637,000Source | 31,762,000Source | 119,918,000Source | 76,579,000Source | 40,484,000Source | -3,758,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 41,635,000Source | 4,264,000Source | 14,842,000Source | -20,780,000Source | 28,401,000Source | -11,372,000Source | 26,329,000Source | 7,258,000Source | -1,005,000Source | 7,098,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.48Source | 0.21Source | 0.22Source | -0.78Source | 1.06Source | -0.48Source | 0.99Source | 0.36Source | -0.06Source | 0.51Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.77Source | 0.21Source | 0.18Source | -0.78Source | 0.56Source | -0.48Source | 0.99Source | 0.36Source | -0.06Source | 0.05Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 28,163,404Source | 20,248,004Source | 67,512,878Source | 26,610,330Source | 26,778,432Source | 23,691,769Source | 26,506,458Source | 20,145,606Source | 16,391,199Source | 13,913,626Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 88,236,591Source | 20,248,004Source | 86,037,151Source | 26,610,330Source | 86,195,269Source | 23,691,769Source | 26,506,458Source | 20,145,606Source | 16,391,199Source | 84,256,084Source |
| Additional Financial Items | ||||||||||||
| Capitalized Computer Software, AmortizationUSD | — | — | 1,000,000Source | 2,100,000Source | 1,400,000Source | 1,400,000Source | 500,000Source | 1,600,000Source | 4,700,000Source | 9,000,000Source | 12,000,000Source | 12,700,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | — | — | — | — | — | 0.25Source | 0.25Source | 0.12Source | — | — |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 5,126,000Source | — | — | — |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | 1,133,000Source | 2,280,000Source | 1,509,000Source | 1,502,000Source | 591,000Source | 1,760,000Source | 5,159,000Source | 9,621,000Source | 12,735,000Source | 13,581,000Source |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 0Source | 3,000Source | — | 0Source | — | 0Source | 0Source | 42,000Source | 4,348,000Source | 1,940,000Source |
| FinancingReceivableTransferToHeldForSaleValuationAllowanceExpenseUSD | — | — | — | — | — | — | — | — | — | — | 2,300,000Source | — |
| General and Administrative ExpenseUSD | — | — | 3,900,000Source | 3,589,000Source | 4,726,000Source | 3,922,000Source | 5,074,000Source | 2,416,000Source | 16,590,000Source | 15,053,000Source | 13,643,000Source | 11,865,000Source |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | 1,365,000Source | 627,000Source | 813,000Source | 1,121,000Source | 1,120,000Source | 1,076,000Source | 4,974,000Source | 1,442,000Source | — | — |
| Interest Expense, DebtUSD | — | — | — | — | — | — | — | — | — | — | — | 32,790,000Source |
| Labor and Related ExpenseUSD | — | — | 14,513,000Source | 13,803,000Source | 16,294,000Source | 17,754,000Source | 14,254,000Source | 13,778,000Source | 60,695,000Source | 60,475,000Source | 60,680,000Source | 59,976,000Source |
| Management Fee ExpenseUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 41,635,000Source | 4,264,000Source | 14,842,000Source | -20,780,000Source | 28,401,000Source | -11,372,000Source | 26,329,000Source | 7,258,000Source | -1,005,000Source | 7,098,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 1,383,000Source | 1,058,000Source | 1,444,000Source | 1,299,000Source | 1,355,000Source | 1,150,000Source | 5,281,000Source | 4,736,000Source | 3,519,000Source | 1,411,000Source |
Offerings
Registration 333-297733
Filing attachments
d207829dex991.htm · S-4/A · 2026-08-05
EX-99.1 4 d207829dex991.htm EX-99.1 EX-99.1 Exhibit 99.1 SCAN TO VIEW MATERIALS & VOTE BNCCORP, INC. 322 EAST MAIN AVENUE BISMARCK, ND 58501 ATTN: TRACEY HERSCHMAN VOTE BY INTERNET Before The Meeting - Go to www.proxyvote.com or scan the QR Barcode above Use the Internet to transmit your voting instructions and for electronic delivery of information up until 10:59 p.m. Central Time on September 16, 2026. Have your proxy card in hand when you access the web site and follow the instructions …
Read attachment ↗d207829dex992.htm · S-4/A · 2026-08-05
EX-99.2 5 d207829dex992.htm EX-99.2 EX-99.2 Exhibit 99.2 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1885. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of BNCCORP, Inc. (“BNCC”) as an Annex to the Proxy Statement/Prospectus relating to the proposed transaction between BNCC, OppFi Inc., and certain other parti…
Read attachment ↗d207829dex992.htm · S-4 · 2026-07-27
EX-99.2 6 d207829dex992.htm EX-99.2 EX-99.2 Exhibit 99.2 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1885. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of BNCCORP, Inc. (“BNCC”) as an Annex to the Proxy Statement/Prospectus relating to the proposed transaction between BNCC, OppFi Inc., and certain other parti…
Read attachment ↗