OppFi (OPFI-WT) EBITDA (2020 - 2026)

OppFi (OPFI-WT) posted quarterly EBITDA of $35.4 million for Q1 2026, down 16.78% YoY from $42.5 million in Q1 2025, and up 14.32% sequentially from $30.9 million in Q4 2025.

OppFi (OPFI-WT) EBITDA (2020 - 2026) Analysis & Trends

OppFi has disclosed EBITDA across 7 years of filings, most recently posting $35.4 million for Q1 2026.

  • In Q1 2026, EBITDA fell 16.78% year-over-year to $35.4 million; the TTM figure through Mar 2026 stood at $159.5 million (up 21.1% YoY), while the FY2025 annual figure was $166.7 million, up 76.31% from the prior year.
  • EBITDA advanced to $35.4 million in Q1 2026, from $30.9 million in the prior quarter.
  • Over the last five years, EBITDA for OPFI-WT reached as high as $48.4 million in Q3 2025 and fell as low as -$9.6 million in Q4 2022.
  • The 5-year median for EBITDA is $18.3 million (2023), against an average of $19.8 million.
  • Annual changes were most pronounced in 2022 — EBITDA tumbled 384.94% — and 2023, when it soared 1707.95%.
  • A 5-year view of EBITDA shows it stood at -$9.6 million in 2022, then surged by 190.6% to $8.7 million in 2023, then jumped by 183.27% to $24.7 million in 2024, then advanced by 25.37% to $30.9 million in 2025, then climbed by 14.32% to $35.4 million in 2026.
  • According to Business Quant data, EBITDA over the past three periods registered $35.4 million, $30.9 million, and $48.4 million for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBITDA (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 7.23 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 4.91 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 3.55 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 1.49 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 96.25 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 153.01 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 332.00 Mn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 139.80 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 69.02 Mn
10 OppFi 1.07 Mn 204.53 Mn 76.91 Mn 35.36 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 35.36 Mn
Dec 31, 2025 30.93 Mn
Sep 30, 2025 48.45 Mn
Jun 30, 2025 44.81 Mn
Mar 31, 2025 42.49 Mn
Dec 31, 2024 24.67 Mn
Sep 30, 2024 35.09 Mn
Jun 30, 2024 29.49 Mn
Mar 31, 2024 5.28 Mn
Dec 31, 2023 8.71 Mn
Sep 30, 2023 15.58 Mn
Jun 30, 2023 18.33 Mn
Mar 31, 2023 3.73 Mn
Dec 31, 2022 -9.61 Mn
Sep 30, 2022 -969,000.00
Jun 30, 2022 6.40 Mn
Mar 31, 2022 -2.16 Mn
Dec 31, 2021 3.37 Mn
Sep 30, 2021 11.51 Mn
Jun 30, 2021 17.99 Mn