In Q1'26, OppFi's (OPFI) operating expenses showed a significant surge, primarily driven by SG&A expenses reaching $22.7M, while R&D expenses had no data. This marks a sharp increase from the previous quarter's total of approximately $8.9M, highlighting potential one-time costs or expansions in administrative functions. Over the period from Q2'23 to Q4'25, R&D expenses fluctuated mildly between $2.96M and $3.38M, maintaining relative stability with a slight downward trend in later quarters before the Q1'26 gap. In contrast, SG&A expenses trended upward from $4.44M in Q2'23 to $5.93M in Q4'25, exhibiting volatility but overall growth of about 33%, contributing to a stacked total operating expense pattern that remained in the $7M-$9M range until the abrupt Q1'26 spike, suggesting underlying operational scaling in this fintech firm.