OppFi (OPFI-WT) EBIT Margin (2020 - 2026)

OppFi (OPFI-WT) posted quarterly EBIT Margin of 40.51% for Q1 2026, down 628.0% YoY from 7.67% in Q1 2025, and up 12.05% sequentially from 36.15% in Q4 2025.

OppFi (OPFI-WT) EBIT Margin (2020 - 2026) Analysis & Trends

OppFi has disclosed EBIT Margin across 7 years of filings, most recently posting 40.51% for Q1 2026.

  • In Q1 2026, EBIT Margin fell 628.0% year-over-year to 40.51%; the TTM figure through Mar 2026 stood at 42.25% (up 450.0% YoY), while the FY2025 annual figure was 43.73%, up 1432.0% from the prior year.
  • EBIT Margin advanced to 40.51% in Q1 2026, from 36.15% in the prior quarter.
  • Over the last five years, EBIT Margin for OPFI-WT reached as high as 46.79% in Q1 2025 and fell as low as 19.84% in Q4 2022.
  • The 5-year median for EBIT Margin is 24.58% (2023), against an average of 22.05%.
  • Annual changes were most pronounced in 2022 — EBIT Margin tumbled 4368 bps — and 2025, when it soared 3843 bps.
  • A 5-year view of EBIT Margin shows it stood at 19.84% in 2022, then jumped by 167 bps to 13.25% in 2023, then jumped by 130 bps to 30.53% in 2024, then grew by 18 bps to 36.15% in 2025, then increased by 12 bps to 40.51% in 2026.
  • According to Business Quant data, EBIT Margin over the past three periods registered 40.51%, 36.15%, and 46.33% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBIT Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 64.42%
2 Mastercard 465.55 Bn 455.34 Bn - 58.43%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 18.77%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 17.81%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 26.44%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 3.39%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 35.49%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 24.11%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 15.96%
10 OppFi 1.07 Mn 204.53 Mn 76.91 Mn 40.51%

Historic Data

Download Data
DateValue
Mar 31, 2026 40.51%
Dec 31, 2025 36.15%
Sep 30, 2025 46.33%
Jun 30, 2025 44.70%
Mar 31, 2025 46.79%
Dec 31, 2024 30.53%
Sep 30, 2024 38.49%
Jun 30, 2024 34.18%
Mar 31, 2024 8.36%
Dec 31, 2023 13.25%
Sep 30, 2023 20.59%
Jun 30, 2023 24.58%
Mar 31, 2023 6.52%
Dec 31, 2022 -19.84%
Sep 30, 2022 -1.84%
Jun 30, 2022 9.83%
Mar 31, 2022 -4.26%
Dec 31, 2021 5.45%
Sep 30, 2021 15.79%
Jun 30, 2021 26.83%