v3.26.1
Segment Reporting (Details)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
USD ($)
Jun. 30, 2025
USD ($)
Jun. 30, 2026
USD ($)
segment
Jun. 30, 2025
USD ($)
Segment Reporting [Line Items]        
Number of reportable segments | segment     1  
Total revenue $ 145,170 $ 142,443 $ 297,051 $ 282,711
Change in fair value of finance receivables (58,999) (42,197) (123,582) (91,655)
Net revenue 86,171 100,246 173,469 191,056
Expenses:        
Salaries and employee benefits 16,294 17,754 30,548 31,532
Direct marketing costs 11,403 11,890 21,788 22,178
Professional fees 13,613 4,792 20,877 8,991
Interest expense and amortized debt issuance costs 8,125 9,639 16,635 19,886
Technology costs 3,525 3,382 6,854 6,343
Payment processing fees 1,634 1,527 3,292 3,157
Depreciation and amortization 1,509 1,502 2,100 3,262
Occupancy 987 1,030 1,858 2,069
General, administrative and other 4,726 3,922 9,800 6,338
Total expenses 61,816 55,438 113,752 103,756
Income from operations 24,355 44,808 59,717 87,300
Other income (expense):        
Change in fair value of warrant liabilities 201 (33,304) 21,496 (54,911)
Income from equity method investment 813 1,121 1,933 2,197
Income before income taxes 25,456 12,704 83,465 34,745
Income tax expense 9,844 1,224 13,815 2,875
Net income 15,612 11,480 69,650 31,870
Less: net income attributable to noncontrolling interest 770 32,260 26,407 64,022
Net income (loss) attributable to OppFi Inc. 14,842 (20,780) 43,243 (32,152)
Reportable Segment        
Segment Reporting [Line Items]        
Total revenue 145,170 142,443 297,051 282,711
Charge-offs, net (57,276) (45,509) (121,761) (94,021)
Net change in fair value (1,723) 3,312 (1,821) 2,366
Change in fair value of finance receivables (58,999) (42,197) (123,582) (91,655)
Net revenue 86,171 100,246 173,469 191,056
Expenses:        
Salaries and employee benefits 16,294 17,754 30,548 31,532
Direct marketing costs 11,403 11,890 21,788 22,178
Professional fees 13,613 4,792 20,877 8,991
Interest expense and amortized debt issuance costs 8,125 9,639 16,635 19,886
Technology costs 3,525 3,382 6,854 6,343
Payment processing fees 1,634 1,527 3,292 3,157
Depreciation and amortization 1,509 1,502 2,100 3,262
Occupancy 987 1,030 1,858 2,069
General, administrative and other 4,726 3,922 9,800 6,338
Total expenses 61,816 55,438 113,752 103,756
Income from operations 24,355 44,808 59,717 87,300
Other income (expense):        
Change in fair value of warrant liabilities 201 (33,304) 21,496 (54,911)
Income from equity method investment 813 1,121 1,933 2,197
Other income 87 79 319 159
Income before income taxes 25,456 12,704 83,465 34,745
Income tax expense 9,844 1,224 13,815 2,875
Net income 15,612 11,480 69,650 31,870
Less: net income attributable to noncontrolling interest 770 32,260 26,407 64,022
Net income (loss) attributable to OppFi Inc. $ 14,842 $ (20,780) $ 43,243 $ (32,152)