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OppFi cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$81.5M in Q3 2026 · $366M over twelve months

Operating cash flow$85.3M
Capital spending−$3.8M
Free cash flow+$81.5M
Cash / net income2.5×

Analysis

In Q3 2026, OppFi generated $85.3M of operating cash flow and spent $3.8M on capital projects, leaving free cash flow of $81.5M. That is $18.4M less than in Q3 2025 ($99.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $385M; the largest uses were other investing ($232M), net borrowing (+) / repaid (−) ($44.4M), buybacks ($26.1M); besides operations, cash came from other financing ($4.6M); the cash balance rose by $65.5M.

Operating cash flow was $85.3M against net income of $34.5M — 2.5× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities −$6.5M, deferred taxes +$3.1M, prepaid and other assets −$2.1M.

Free cash flow

OppFi: free cash flow by quarterOppFi: free cash flow by quarter$90.1MQ4 2024$79.3MQ1 2025$91.0MQ2 2025$99.9MQ3 2025$112MQ4 2025$85.6MQ1 2026$87.4MQ2 2026$81.5MQ3 2026
Operating cash flow less capital spending.
OppFi: operating cash flow against capital spendingOppFi: operating cash flow against capital spendingOperating cash flowCapital spending$94.5M$4.4MQ4 2024$83.7M$4.4MQ1 2025$95.6M$4.6MQ2 2025$105M$5.2MQ3 2025$117M$4.9MQ4 2025$90.8M$5.1MQ1 2026$92.0M$4.6MQ2 2026$85.3M$3.8MQ3 2026
Latest (Q3 2026): Operating cash flow $85.3M, Capital spending $3.8M.

Capital allocation, year by year

OppFi: where the cash came from (up) and went (down), by fiscal yearOppFi: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $167MFY2021: Capital spending −$14.4M$167MFY2021FY2022: Operating cash flow $243MFY2022: Capital spending −$13.2MFY2022: Buybacks −$2.5M$243MFY2022FY2023: Operating cash flow $296MFY2023: Net borrowing −$12.5MFY2023: Shares issued $59KFY2023: Capital spending −$9.0M$296MFY2023FY2024: Operating cash flow $324MFY2024: Net borrowing −$14.4MFY2024: Capital spending −$13.0MFY2024: Buybacks −$3.6MFY2024: Dividends −$2.4M$324MFY2024FY2025: Operating cash flow $401MFY2025: Net borrowing $2.5MFY2025: Shares issued $1KFY2025: Capital spending −$19.1MFY2025: Buybacks −$15.5MFY2025: Dividends −$6.4M$404MFY2025
Over these 5 years operating cash flow totalled $1.4B; the largest uses were capital spending ($68.7M) and net borrowing ($26.9M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$103M
Debtnone
Net cash$103M

OppFi funds itself: free cash flow was $366M over the last twelve months, with $103M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

OppFi: sources (+) and uses (−) of cash, Q3 2026OppFi: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$85.3MOther investing−$78.3MOther financing$53.1MCash drawn (+) / kept (−)−$48.8MBuybacks−$6.8MCapital spending−$3.8MTaxes on employees’ shares−$682K
OppFi: sources (+) and uses (−) of cash, TTM to Q3 2026OppFi: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$385MOther investing−$232MCash drawn (+) / kept (−)−$65.5MNet borrowing (+) / repaid (−)−$44.4MBuybacks−$26.1MCapital spending−$18.5MOther financing$4.6MTaxes on employees’ shares−$3.6M

From profit to cash

OppFi: net income to operating cash flow, Q3 2026OppFi: net income to operating cash flow, Q3 2026Net income$34.5MDepreciation & amortization$1.9MStock-based pay$1.6MDeferred taxes$3.1MPayables−$355KAccrued liabilities−$6.5MPrepaid and other assets−$2.1MOperating cash flow$85.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$85.3M−$3.8M−$6.8M——−$48.8M$81.5M
Q2 2026$92.0M−$4.6M−$1.2M−$7.8M—$8.1M$87.4M
Q1 2026$90.8M−$5.1M−$9.9M−$37.1M$253K−$6.7M$85.6M
Q4 2025$117M−$4.9M−$8.2M$509K—−$18.1M$112M
Q3 2025$105M−$5.2M−$7.4M$14.9M—$3.1M$99.9M
Q2 2025$95.6M−$4.6M—$17.9M$3K$12.5M$91.0M
Q1 2025$83.7M−$4.4M—−$30.8M$91K−$2.5M$79.3M
Q4 2024$94.5M−$4.4M—−$6.9M—−$14.1M$90.1M

OppFi: income statement and cash flow

OppFi, Q3 2026: revenue $92.8M (-11% year over year), operating margin 39.9%. The chart follows the revenue to costs, profit and cash.

OppFi: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.