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| Date | Value |
|---|---|
| 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% |