6.18
+0.16%
Close of 9 Nov 2026, in USD
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About OppFi
From its filings with the US Securities and Exchange Commission
OppFi is based in Chicago, Illinois. Its shares trade on NYSE under the ticker OPFI. The SEC classifies its business as finance services. In the fiscal year to 31 December 2025, it reported revenue of $381.2m and net income of $26.3m. At that date it held total assets of $754.1m and shareholders' equity of $58.5m.
OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through transparency, responsible lending, financial inclusion, and an excellent customer experience, the Company supports consumers, who are turned away by mainstream options, to build better financial health. OppFi’s primary mission is to facilitate financial inclusion and credit access to the 48 million everyday Americans who face credit insecurity, through its products and an unwavering commitment to its customers. Unlike payday loans and similar credit products that typically do not provide transparency, fairness, and ability to repay guidelines, OppFi is dedicated to offering the best possible product and service through its platform. The average installment loan for a new borrower facilitated by OppFi with its OppLoans platform is approximately $1,950, payable in installments and with an average contractual term of 11 months. Payments are reported to the three major credit bureaus. OppFi’s dedication to borrowers is further evidenced by the OppFi TurnUp Program, which is described below and most importantly, by its strong customer satisfaction ratings.
Quoted from its 10-K, filed 12 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 30 Sept 2020
- Employees
- 410
- Website
- oppfi.com ↗
- Head office
- 130 E. RANDOLPH STREET, CHICAGO, IL, 60601
- Classification
- Finance Services
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Todd SchwartzExecutive Chairman of the Board, Chief Executive Officer, since 2012$297,681
- Ms. Pamela JohnsonChief Financial Officer$836,958
- Mr. Christopher MckayChief Risk and Analytics Officer$961,649
- Ms. Jocelyn MooreLead Independent Director$242,000
- Mr. Theodore SchwartzDirector$200,000
- Mr. David VennettilliDirector$225,000
- Ms. Christina FavillaIndependent Director$218,000
- Mr. Gregory ZeemanIndependent Director$230,500
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 27
- Environment
- 3
- Social
- 41
- Governance
- 37
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- OppFi's OppLoans lending platform provides accessible credit options for customers.
- OppFi Card offers a mobile experience to build credit without traditional cards.
- SalaryTap is a payroll deduction secured installment loan product for customers.
Weaknesses
- OppFi has 410 employees, which is lower than the industry average.
- The company went public on 30 September 2020, a time of market volatility.
- OppFi's platform is mobile-optimized, but lacks desktop support.
Opportunities
- OppFi can expand its OppFi Card product to new markets in the US.
- The OppFi TurnUp Program helps applicants find affordable credit options in the market.
- OppFi's SalaryTap product can be integrated with more employers for wider adoption.
Threats
- OppFi faces competition from established financial services companies in the US.
- The financial services sector is highly regulated, increasing compliance costs.
- Economic downturns could reduce demand for credit products like OppFi's.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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