Filing Flows › OppFi (OPFI) › Q2 2025
OppFi (OPFI) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 7, 2025
OppFi (OPFI) reported revenue of $100M for the second quarter 2025 (Q2 2025), +16% from a year earlier and +10% from the quarter before. Operating margin was 44.7%, net earnings $11.5M (11.5% of revenue).
OppFi, Q2 2025: revenue $100M (+16% year over year), operating margin 44.7%, net earnings $11.5M, operating cash flow $95.6M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $100M | +10% | +16% |
| Operating profit | $44.8M | +5% | +52% |
| Net earnings | $11.5M | -44% | -59% |
| Operating cash flow | $95.6M | +14% | +24% |
| Free cash flow | $91.0M | +15% | +22% |
What changed
Revenue was $100.2M in Q2 2025, up 16% year over year and up 10% from the previous quarter.
Operating profit was $44.8M, a 44.7% margin (up 10.5 points year over year). Of the extra revenue versus a year earlier, 110% reached operating profit, above the 34% margin then. Total costs fell 2% while revenue rose 16%. Net earnings were −$20.8M. The effective tax rate was 9.6%.
Operating cash flow was $95.6M (up 24% year over year), 833% of net income including minority interests. Non-cash charges added back $1.5M of depreciation and amortization and $5.1M of share-based compensation. Working capital and other items added $77.5M. Capital expenditures of $4.6M left free cash flow of $91.0M.
Questions
What was OppFi's revenue in the second quarter 2025?
OppFi (OPFI) reported revenue of $100M for the second quarter 2025 (Q2 2025), +16% from a year earlier and +10% from the quarter before.
Was OppFi profitable in the second quarter 2025?
Operating profit was $44.8M (44.7% of revenue) and net earnings $11.5M.
Source: OppFi 10-Q on SEC EDGAR.