v3.25.4
Segment Reporting (Tables)
 12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information
The following table presents selected financial information for the years ended December 31, 2025, 2024 and 2023 (in thousands):

202520242023
Total revenue$597,050 $525,963 $508,949 
Charge-offs, net(220,813)(205,755)(220,895)
Net change in fair value4,945 1,312 (10,524)
Change in fair value of finance receivables(215,868)(204,443)(231,419)
Provision for credit losses on finance receivables— (42)(4,348)
Net revenue381,182 321,478 273,182 
Expenses:
Salaries and employee benefits60,695 60,475 60,680 
Direct marketing costs50,890 49,208 50,562 
Interest expense and amortized debt issuance costs39,367 44,708 46,750 
Professional fees20,103 21,574 18,027 
Technology costs12,433 12,171 12,543 
Payment processing fees6,589 7,119 10,439 
Depreciation and amortization5,159 9,621 12,735 
Occupancy4,127 4,030 4,431 
Exit costs, net(1,449)2,983 — 
Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment— — (2,983)
General, administrative and other16,590 15,053 13,643 
Total expenses214,504 226,942 226,827 
Income from operations166,678 94,536 46,355 
Other (expense) income:
Change in fair value of warrant liabilities(11,347)(8,244)(4,976)
Income from equity method investment4,974 1,442 — 
Other (expense) income, net(4,173)318 431 
Income before income taxes156,132 88,052 41,810 
Income tax expense9,885 4,215 2,331 
Net income146,247 83,837 39,479 
Less: net income attributable to noncontrolling interest119,918 76,579 40,484 
Net income (loss) attributable to OppFi Inc.$26,329 $7,258 $(1,005)