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
DateValue
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%