v3.25.4
Segment Reporting (Details)
$ in Thousands
 1 Months Ended 12 Months Ended
May 01, 2025
USD ($)
May 31, 2025
USD ($)
Mar. 31, 2025
USD ($)
Jan. 31, 2024
USD ($)
Dec. 31, 2025
USD ($)
segment
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Segment Reporting Information [Line Items]              
Number of reportable segments | segment         1    
Total revenue         $ 597,050 $ 525,963 $ 508,949
Change in fair value of finance receivables         (215,868) (204,443) (231,419)
Provision for credit losses on finance receivables         0 (42) (4,348)
Net revenue         381,182 321,478 273,182
Expenses:              
Salaries and employee benefits         60,695 60,475 60,680
Direct marketing costs         50,890 49,208 50,562
Interest expense and amortized debt issuance costs         39,367 44,708 46,750
Professional fees         20,103 21,574 18,027
Technology costs         12,433 12,171 12,543
Payment processing fees         6,589 7,119 10,439
Occupancy         4,127 4,030 4,431
Exit costs, net $ 400 $ 100 $ 1,500 $ 2,900 (1,449) 2,983 0
Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment         0 0 (2,983)
General, administrative and other         16,590 15,053 13,643
Total expenses         214,504 226,942 226,827
Income from operations         166,678 94,536 46,355
Other (expense) income:              
Change in fair value of warrant liabilities         (11,347) (8,244) (4,976)
Income from equity method investment         4,974 1,442 0
Other (expense) income, net         (4,173) 318 431
Income before income taxes         156,132 88,052 41,810
Income tax expense         9,885 4,215 2,331
Net income         146,247 83,837 39,479
Net income attributable to noncontrolling interest         119,918 76,579 40,484
Net income (loss) attributable to OppFi Inc.         26,329 7,258 (1,005)
Reportable Segment              
Segment Reporting Information [Line Items]              
Total revenue         597,050 525,963 508,949
Charge-offs, net         (220,813) (205,755) (220,895)
Net change in fair value         4,945 1,312 (10,524)
Change in fair value of finance receivables         (215,868) (204,443) (231,419)
Provision for credit losses on finance receivables         0 (42) (4,348)
Net revenue         381,182 321,478 273,182
Expenses:              
Salaries and employee benefits         60,695 60,475 60,680
Direct marketing costs         50,890 49,208 50,562
Interest expense and amortized debt issuance costs         39,367 44,708 46,750
Professional fees         20,103 21,574 18,027
Technology costs         12,433 12,171 12,543
Payment processing fees         6,589 7,119 10,439
Depreciation and amortization         5,159 9,621 12,735
Occupancy         4,127 4,030 4,431
Exit costs, net         (1,449) 2,983 0
Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment         0 0 (2,983)
General, administrative and other         16,590 15,053 13,643
Total expenses         214,504 226,942 226,827
Income from operations         166,678 94,536 46,355
Other (expense) income:              
Change in fair value of warrant liabilities         (11,347) (8,244) (4,976)
Income from equity method investment         4,974 1,442 0
Other (expense) income, net         (4,173) 318 431
Income before income taxes         156,132 88,052 41,810
Income tax expense         9,885 4,215 2,331
Net income         146,247 83,837 39,479
Net income attributable to noncontrolling interest         119,918 76,579 40,484
Net income (loss) attributable to OppFi Inc.         $ 26,329 $ 7,258 $ (1,005)