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OPFI • CIK 0001818502
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $505,430 | $521,227 | $591,769 | $605,759 |
| Other Interest and Dividend Income | $3,519 | $4,736 | $5,281 | $5,631 |
| Interest and Dividend Income, Operating | $508,949 | $525,963 | $597,050 | $611,390 |
| Operating Income (Loss) | $46,355 | $94,536 | $166,678 | $139,095 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | $4,348 | $42 | $0 | $0 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $41,810 | $88,052 | $156,132 | $204,852 |
| Revenues, Net of Interest Expense | $273,182 | $321,478 | $381,182 | $363,595 |
| Income Tax Expense (Benefit) | $2,331 | $4,215 | $9,885 | $20,825 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $39,479 | $83,837 | $146,247 | $184,027 |
| Net Income (Loss) Attributable to Noncontrolling Interest | $40,484 | $76,579 | $119,918 | $82,303 |
| Net Income (Loss) Attributable to Parent | $-1,005 | $7,258 | $26,329 | $101,724 |
| Labor and Related Expense | $60,680 | $60,475 | $60,695 | $59,711 |
| Marketing Expense | $50,562 | $49,208 | $50,890 | $50,500 |
| Professional Fees | $18,027 | $21,574 | $20,103 | $31,989 |
| Depreciation, Depletion and Amortization, Nonproduction | $12,735 | $9,621 | $5,159 | $3,997 |
| Occupancy, Net | $4,431 | $4,030 | $4,127 | $3,916 |
| Business Exit Costs | — | $2,983 | $-1,449 | $-1,449 |
| General and Administrative Expense | $13,643 | $15,053 | $16,590 | $18,603 |
| Noninterest Expense | $226,827 | $226,942 | $214,504 | $224,500 |
| Fair Value Adjustment of Warrants | $4,976 | $8,244 | $11,347 | $-65,060 |
| Income (Loss) from Equity Method Investments | — | $1,442 | $4,974 | $4,710 |
| Other Nonoperating Income (Expense) | — | — | $-4,173 | $-4,173 |
| Weighted Average Number of Shares Outstanding, Basic | 16,391,199 | 20,145,606 | 26,506,458 | 48,719,611 |
| Incremental Common Shares Attributable to Dilutive Effect of Call Options and Warrants | 0 | 0 | 0 | 0 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 113,309,958 | 84,965,896 | 79,300,542 | 17,456,096 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | $31,791 | $61,344 | $49,451 | $64,347 |
| Restricted Cash and Cash Equivalents | $42,152 | $26,944 | $43,812 | $27,499 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $73,943 | $88,288 | $93,263 | $91,846 |
| Insurance Settlements Receivable | $1,904 | $2,036 | $0 | $0 |
| Equity Method Investments | — | $19,194 | $19,076 | $19,958 |
| Debt Issuance Costs, Net | $3,834 | $2,730 | $5,034 | $3,901 |
| Property, Plant and Equipment, Net | $10,292 | $13,676 | $27,628 | $35,301 |
| Operating Lease, Right-of-Use Asset | $12,180 | $10,583 | $8,834 | $8,009 |
| Deferred Income Tax Assets, Net | $25,777 | $21,340 | $32,647 | $102,406 |
| Other Assets | $10,183 | $9,628 | $21,372 | $13,002 |
| Assets | $601,543 | $641,171 | $754,090 | $770,729 |
| Accounts Payable | $4,442 | $879 | $2,773 | $1,126 |
| Accrued Liabilities | $22,006 | $32,411 | $43,398 | $43,105 |
| Operating Lease, Liability | $15,061 | $13,294 | $11,424 | $10,428 |
| Senior Notes | $332,667 | $318,758 | $321,353 | $276,453 |
| Warrants and Rights Outstanding | $6,864 | $15,108 | $26,455 | $4,959 |
| Liabilities | $407,514 | $406,958 | $445,214 | $356,474 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Additional Paid in Capital | $76,480 | $93,903 | $113,508 | $437,238 |
| Retained Earnings (Accumulated Deficit) | $-63,591 | $-55,127 | $-33,505 | $9,730 |
| Treasury Stock, Common, Value | $2,460 | $6,011 | $21,528 | $32,722 |
| Stockholders' Equity Attributable to Parent | $10,440 | $32,774 | $58,484 | $414,255 |
| Stockholders' Equity Attributable to Noncontrolling Interest | $183,589 | $201,439 | $250,392 | $0 |
| Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest | $194,029 | $234,213 | $308,876 | $414,255 |
| Preferred Stock, Shares Authorized | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Treasury Stock, Common, Shares | 703,914 | 1,738,624 | 3,280,573 | 4,461,679 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $39,479 | $83,837 | $146,247 | $184,027 |
| Net Cash Provided by (Used in) Operating Activities | $296,146 | $323,806 | $401,305 | $404,760 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $24,273 | $14,345 | $4,975 | $13,581 |
| Payments to Acquire Finance Receivables | $721,287 | $732,045 | $1,277,945 | $1,465,661 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | $4,348 | $42 | $0 | $0 |
| Proceeds from Collection of Finance Receivables | $485,986 | $517,579 | $989,254 | $1,214,793 |
| Depreciation, Depletion and Amortization, Nonproduction | $12,735 | $9,621 | $5,159 | $3,997 |
| Payments to Acquire Productive Assets | $8,991 | $13,010 | $19,113 | $19,856 |
| Payments to Acquire Equity Method Investments | — | $15,966 | $0 | $0 |
| Share-based Payment Arrangement, Noncash Expense | $4,067 | $5,270 | $9,988 | $8,385 |
| Net Cash Provided by (Used in) Investing Activities | $-244,292 | $-243,442 | $-307,804 | $-270,724 |
| Gain (Loss) on Disposition of Property Plant Equipment | $-3 | $-5 | $-2 | $0 |
| Operating Lease, Impairment Loss | $0 | $0 | $155 | $0 |
| Deferred Income Taxes and Tax Credits | — | — | $4,902 | $6,180 |
| Fair Value Adjustment of Warrants | $4,976 | $8,244 | $11,347 | $-65,060 |
| Gain (Loss) on Extinguishment of Debt | $113 | $0 | $0 | $0 |
| Income (Loss) from Equity Method Investments | — | $1,442 | $4,974 | $4,710 |
| Proceeds from Equity Method Investment, Distribution | — | $1,050 | $5,092 | $3,326 |
| Other Noncash Expense | — | — | $4,500 | $4,500 |
| Payments of Distributions to Affiliates | $10,230 | $42,391 | $58,500 | $33,451 |
| Proceeds from (Repayments of) Secured Debt | $-643 | $0 | $0 | $0 |
| Proceeds from Lines of Credit | — | — | $253,274 | $108,680 |
| Repayments of Lines of Credit | — | — | $220,749 | $138,124 |
| Repayments of Senior Debt | — | $20,000 | $30,000 | $0 |
| Payments of Debt Issuance Costs | $1,712 | $828 | $5,407 | $2,413 |
| Proceeds from Stock Plans | $328 | $294 | $423 | $585 |
| Proceeds from Warrant Exercises | — | — | $5 | $1 |
| Proceeds from Stock Options Exercised | $59 | $0 | $1 | $0 |
| Payment, Tax Withholding, Share-based Payment Arrangement | $280 | $1,335 | $4,601 | $4,019 |
| Payments for Repurchase of Common Stock | $0 | $3,551 | $15,517 | $26,711 |
| Payments of Ordinary Dividends, Common Stock | — | $2,374 | $6,414 | $0 |
| Net Cash Provided by (Used in) Financing Activities | $-27,581 | $-66,019 | $-88,526 | $-120,455 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $73,943 | $88,288 | $93,263 | $102,415 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $43,725 | $42,573 | $36,112 | $33,367 |
| Income Taxes Paid, Net | — | — | $6,093 | $4,287 |
| Stock Issued | — | $2,836 | $0 | $0 |
| Increase (Decrease) in Accrued Investment Income Receivable | $2,258 | $285 | $-283 | $1,745 |
| Increase (Decrease) in Insurance Settlements Receivable | $-96 | $132 | $-2,036 | $-4,037 |
| IncreaseDecreaseInOperatingLeaseLiability | $-90 | $-170 | $-276 | $-327 |
| Increase (Decrease) in Other Operating Assets | $-3,478 | $-555 | $3,244 | $-9,171 |
| Increase (Decrease) in Accounts Payable | $-1,896 | $-3,563 | $1,894 | $-1,605 |
| Increase (Decrease) in Accrued Liabilities | $-1,373 | $10,405 | $-2,013 | $2,995 |