OppFi Past Earnings Performance
Past criteria checks 1/6
OppFi's earnings have been declining at an average annual rate of -64.7%, while the Consumer Finance industry saw earnings growing at 7.4% annually. Revenues have been declining at an average rate of 2.4% per year. OppFi's return on equity is 23.2%, and it has net margins of 1.8%.
Key information
-64.7%
Earnings growth rate
-60.2%
EPS growth rate
| Consumer Finance Industry Growth | 7.2% |
| Revenue growth rate | -2.4% |
| Return on equity | 23.2% |
| Net Margin | 1.8% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
OppFi's High Debt Raises Long-Term Concerns
Dec 18OppFi: Dirt Cheap With Two Caveats
Nov 12OppFi: Growth Impressive As It's Still In The Early Stages
Aug 28OppFi: Is This Lending Platform A Buy?
Aug 19Where Is OppFi Going?
Nov 13OppFi expects Q3 revenue beat, reiterates 2022 outlook amid strong demand
Oct 25OppFi: Subprime Lender Faces The Specter Of A Recession
Jul 01OppFi Inc.: A Potential Bottom
Apr 08OppFi Stock: Trading At Compressed Multiples, But Cheap Can Become Cheaper
Jan 17OppFi: Dipping A Toe In The Water At Under $5
Dec 20OppFi: Crazy Things Are Happening
Dec 13OppFi: A Real Fintech Trading Like A Value Stock, 50% Plus Upside
Oct 21Revenue & Expenses Breakdown
How OppFi makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 24 | 232 | 4 | 173 | 0 |
| 31 Dec 23 | 226 | -1 | 170 | 0 |
| 30 Sep 23 | 210 | 8 | 168 | 0 |
| 30 Jun 23 | 190 | 5 | 164 | 0 |
| 31 Mar 23 | 184 | 6 | 167 | 0 |
| 31 Dec 22 | 182 | 7 | 171 | 0 |
| 30 Sep 22 | 199 | 15 | 179 | 0 |
| 30 Jun 22 | 222 | 30 | 191 | 0 |
| 31 Mar 22 | 225 | 2 | 183 | 0 |
| 31 Dec 21 | 239 | 26 | 172 | 0 |
| 30 Sep 21 | 247 | 30 | 165 | 0 |
| 30 Jun 21 | 222 | 36 | 132 | 0 |
| 31 Mar 21 | 206 | 85 | 108 | 0 |
| 31 Dec 20 | 188 | 78 | 95 | 0 |
| 31 Dec 19 | 107 | 33 | 55 | 0 |
| 31 Dec 18 | 54 | 10 | 31 | 0 |
Quality Earnings: OPFI has high quality earnings.
Growing Profit Margin: OPFI's current net profit margins (1.8%) are lower than last year (3.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: OPFI's earnings have declined by 64.7% per year over the past 5 years.
Accelerating Growth: OPFI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: OPFI had negative earnings growth (-31.8%) over the past year, making it difficult to compare to the Consumer Finance industry average (-11.5%).
Return on Equity
High ROE: Whilst OPFI's Return on Equity (23.15%) is high, this metric is skewed due to their high level of debt.