OppFi (OPFI-WT) FCF Margin (2020 - 2026)
OppFi (OPFI-WT) posted quarterly FCF Margin of 155.0% for Q1 2026, up 5251.0% YoY from 2.9% in Q1 2025, and down 119.36% sequentially from 800.5% in Q4 2025.
OppFi (OPFI-WT) FCF Margin (2020 - 2026) Analysis & Trends
OppFi has disclosed FCF Margin across 7 years of filings, most recently posting 155.0% for Q1 2026.
- In Q1 2026, FCF Margin rose 5251.0% year-over-year to 155.0%; the TTM figure through Mar 2026 stood at 115.27% (up 40534.0% YoY), while the FY2025 annual figure was 100.26%, up 38093.0% from the prior year.
- FCF Margin retreated to 155.0% in Q1 2026, from 800.5% in the prior quarter.
- Over the last five years, FCF Margin for OPFI-WT reached as high as 1267.65% in Q4 2022 and fell as low as 1389.49% in Q4 2024.
- The 5-year median for FCF Margin is 109.42% (2025), against an average of 100.15%.
- Annual changes were most pronounced in 2023 — FCF Margin slumped 217784 bps — and 2025, when it jumped 218999 bps.
- A 5-year view of FCF Margin shows it stood at 1267.65% in 2022, then slumped by 172 bps to 910.19% in 2023, then tumbled by 53 bps to 1389.49% in 2024, then jumped by 158 bps to 800.5% in 2025, then slumped by 119 bps to 155.0% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 155.0%, 800.5%, and 109.42% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 23.37% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 33.56% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 14.04% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 10.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 6,779.64% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -216.52% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 65.22% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 46.37% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.37% |
| 10 | OppFi | 1.07 Mn | 204.53 Mn | 76.91 Mn | -155.00% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -155.00% |
| Dec 31, 2025 | 800.50% |
| Sep 30, 2025 | -109.42% |
| Jun 30, 2025 | 0.06% |
| Mar 31, 2025 | -207.51% |
| Dec 31, 2024 | -1,389.49% |
| Sep 30, 2024 | 80.82% |
| Jun 30, 2024 | 260.93% |
| Mar 31, 2024 | -123.58% |
| Dec 31, 2023 | -910.19% |
| Sep 30, 2023 | -608.79% |
| Jun 30, 2023 | 94.41% |
| Mar 31, 2023 | 111.08% |
| Dec 31, 2022 | 1,267.65% |
| Sep 30, 2022 | -912.19% |
| Jun 30, 2022 | 319.28% |
| Mar 31, 2022 | -221.07% |
| Dec 31, 2021 | 70.20% |
| Sep 30, 2021 | 42.90% |
| Dec 31, 2020 | -3.28% |