OppFi Inc.

The grade, in three tenses

Headline 5.8 out of ten, 9 of 9 metrics filed: past 4.6 out of ten, present 6.4 out of ten, future 6.7 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 1.6 out of ten. 7 warning events since 2020; the latest 2026-04-16. 16th percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 7.0 out of ten. +22.1% a year over 7 filed years; profitable in 7 of 7. 70th percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 7.2 out of ten. Share count shrank 25.2% a year. 3% of cash flow returned. Insiders: 13 sales, 23 purchases. 72nd percentile among 54 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 5.2 out of ten. ROE 250%: 250¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar. 52nd percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 7.3 out of ten. top 28% of 114 in its family; net margin 38.4%. 72nd percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 7.5 out of ten. top 25% of 49 in its family for leadership; chief executive since 2022. 75th percentile among 49 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
• Room to expand (future): 8.2 out of ten. top 18% of 108 in its family for room to expand. 82nd percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Growth drivers (future): 5.0 out of ten. bottom 50% of 100 in its family for growth drivers. 50th percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 6.8 out of ten. top 32% of 79 in its family for expectations against reality. 68th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-12 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-10 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-10 (on EDGAR). Newest filing: Form 4, 2026-10-05. Filings on record since 2020. Read from EDGAR 2026-10-12.

Who runs it

Schwartz, Todd G. (Chief Executive Officer); Johnson, Pamela D. (CFO); Mckay, Christopher J. (Chief Risk & Analytics Officer); Vennettilli, David (director); Moore, Jocelyn (director); Favilla, Christina M (director); Schwartz, Theodore G (director); Zeeman, Gregory T (director). 8 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-05.

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