$OPFI Cashflow Statement | Understand Stock

$OPFI

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated Statements of Cash Flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
Cash flows from operating activities:
Net income
Adjustments to reconcile net income to net cash provided by operating activities:
Change in fair value of finance receivables
Provision for credit losses on finance receivables
Provision for repurchase liability
Depreciation and amortization
Debt issuance cost amortization
Stock-based compensation expense
Loss on disposition of equipment
Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment
Impairment of assets held for sale
Tax receivable agreement liability adjustment
Deferred income taxes
Change in fair value of warrant liabilities
Change in fair value of warrant units
Gain on forgiveness of debt
Gain on forgiveness of Paycheck Protection Program loan
Income from equity method investment
Distributions received from equity method investment
Noncash litigation expense
Changes in assets and liabilities:
Unamortized loan origination costs
Accrued interest receivable
Settlement receivable
Operating lease, net
Other assets
Accounts payable
Accrued expenses

Net cash provided by operating activities
Cash flows from investing activities:
Finance receivables acquired and originated
Finance receivables repayments
Net repurchases from third-party lender
Purchases of equipment and capitalized technology
Acquisition of equity method investment
Net cash used in investing activities

Cash flows from financing activities:
Member distributions
Member contributions
Cash received in reverse capitalization
Payment of capitalized transaction costs
Payments of secured borrowing payable
Net advances (payments) of senior debt - revolving lines of credit
Borrowings of senior debt - revolving lines of credit
Payments of senior debt - revolving lines of credit
Total net advances (payments) of senior debt - revolving lines of credit
Payments of senior debt - term loan
Payments of notes payable
Payment of subordinated debt - related party
Proceeds from other debt
Payments for debt issuance costs
Proceeds from employee stock purchase plan
Exercise of warrants
Exercise of stock options
Payments of tax withholdings on vesting of restricted stock units
Payments on tax receivable agreement liability
Purchase of treasury stock
Dividend paid on common stock
Net cash used in financing activities

Net increase in cash and restricted cash
Cash and restricted cash
Beginning
Ending
Supplemental disclosure of cash flow information:
Interest paid on borrowed funds
Income taxes paid
Supplemental disclosure of noncash activities:
Non-cash change from adopting the fair value option on finance receivables
Adjustments to additional paid-in capital as a result of tax receivable agreement
Adjustments to additional paid-in capital as a result of adjustment to deferred tax asset
Issuance of Class V shares related to equity investment
Forfeitures of Class V shares related to forfeiture of earnout units
Operating lease right of use asset recognized
Operating lease liability recognized
Operating lease right of use asset recognized from adoption of ASU 2016-02
Operating lease liability recognized from adoption of ASU 2016-02
Reclassification of finance receivables held for sale to held for investment
Reclassification of finance receivables at amortized cost to assets held for sale
Prepaid insurance financed with promissory notes
Warrant liabilities recognized in the reverse recapitalization
Conversion of warrant unit liability to additional paid-in capital
Forgiveness of Paycheck Protection Program loan

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