v3.26.3
Segment Reporting (Details)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2026
USD ($)
Sep. 30, 2025
USD ($)
Sep. 30, 2026
USD ($)
segment
Sep. 30, 2025
USD ($)
Segment Reporting [Line Items]        
Number of reportable segments | segment     1  
Total revenue $ 149,230 $ 155,089 $ 446,281 $ 437,800
Change in fair value of finance receivables (56,476) (50,532) (180,058) (142,187)
Net revenue 92,754 104,557 266,223 295,613
Expenses:        
Salaries and employee benefits 12,718 14,513 43,266 46,045
Direct marketing costs 13,044 14,514 34,832 36,692
Professional fees 7,538 6,100 28,415 15,091
Interest expense and amortized debt issuance costs 8,659 10,079 25,294 29,965
Technology costs 3,934 3,131 10,788 9,474
Payment processing fees 1,675 1,712 4,967 4,869
Depreciation and amortization 1,945 1,133 4,045 4,395
Occupancy 985 1,030 2,843 3,099
General, administrative and other 5,212 3,900 15,012 10,238
Total expenses 55,710 56,112 169,462 159,868
Income from operations 37,044 48,445 96,761 135,745
Other income (expense):        
Change in fair value of warrant liabilities 2,842 31,688 24,338 (23,223)
Income from equity method investment 774 1,365 2,707 3,562
Income before income taxes 40,746 81,580 124,211 116,325
Income tax expense 6,267 5,647 20,082 8,522
Net income 34,479 75,933 104,129 107,803
Less: net income attributable to noncontrolling interest 0 34,298 26,407 98,320
Net income attributable to OppFi Inc. 34,479 41,635 77,722 9,483
Reportable Segment        
Segment Reporting [Line Items]        
Total revenue 149,230 155,089 446,281 437,800
Charge-offs, net (59,775) (54,385) (181,536) (148,406)
Net change in fair value 3,299 3,853 1,478 6,219
Change in fair value of finance receivables (56,476) (50,532) (180,058) (142,187)
Net revenue 92,754 104,557 266,223 295,613
Expenses:        
Salaries and employee benefits 12,718 14,513 43,266 46,045
Direct marketing costs 13,044 14,514 34,832 36,692
Professional fees 7,538 6,100 28,415 15,091
Interest expense and amortized debt issuance costs 8,659 10,079 25,294 29,965
Technology costs 3,934 3,131 10,788 9,474
Payment processing fees 1,675 1,712 4,967 4,869
Depreciation and amortization 1,945 1,133 4,045 4,395
Occupancy 985 1,030 2,843 3,099
General, administrative and other 5,212 3,900 15,012 10,238
Total expenses 55,710 56,112 169,462 159,868
Income from operations 37,044 48,445 96,761 135,745
Other income (expense):        
Change in fair value of warrant liabilities 2,842 31,688 24,338 (23,223)
Income from equity method investment 774 1,365 2,707 3,562
Other income 86 82 405 241
Income before income taxes 40,746 81,580 124,211 116,325
Income tax expense 6,267 5,647 20,082 8,522
Net income 34,479 75,933 104,129 107,803
Less: net income attributable to noncontrolling interest 0 34,298 26,407 98,320
Net income attributable to OppFi Inc. $ 34,479 $ 41,635 $ 77,722 $ 9,483