In Q4'25, OppFi's total operating expenses reached $8.89M USD, comprising $2.96M in R&D expenses and $5.93M in SG&A expenses, marking a notable uptick primarily driven by elevated SG&A costs compared to prior quarters. From Q1'23 to Q4'25, R&D expenses exhibited relative stability with minor fluctuations between $2.96M and $3.38M USD, showing no clear long-term growth or decline. In contrast, SG&A expenses trended upward overall, rising from $4.22M in Q1'23 to $5.93M in Q4'25, with intermittent peaks such as $4.96M in Q2'25 and consistent increases in recent periods, suggesting expanding administrative and sales-related investments amid stable R&D allocation.