OppFi (OPFI-WT) FCF Margin (2020 - 2026)
OppFi (OPFI-WT) reported FCF Margin of 155.0% for Q1 2026, up 5251.0% year-over-year from 2.9% in Q1 2025, and down 119.36% quarter-over-quarter from 800.5% in Q4 2025.
OppFi (OPFI-WT) FCF Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI-WT) has 7 years of FCF Margin data on file, last reported at 155.0% in Q1 2026.
- FCF Margin for Q1 2026 came in at 155.0%, up 5251.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 115.27% (up 40534.0% YoY), and the FY2025 annual result was 100.26%, up 38093.0% from the prior year.
- FCF Margin declined to 155.0% in Q1 2026 per OPFI-WT's latest filing, from 800.5% in the prior quarter.
- Over five years, FCF Margin peaked at 1267.65% in Q4 2022 and troughed at 1389.49% in Q4 2024.
- A 5-year average of 100.15% and a median of 109.42% in 2025 frame the typical range for FCF Margin.
- The sharpest annual moves came in 2023 and 2025: FCF Margin plunged 217784 bps in 2023, then jumped 218999 bps in 2025.
- A 5-year view of FCF Margin shows it stood at 1267.65% in 2022, then plunged by 172 bps to 910.19% in 2023, then sank by 53 bps to 1389.49% in 2024, then jumped by 158 bps to 800.5% in 2025, then plunged by 119 bps to 155.0% in 2026.
- Business Quant data shows OPFI-WT's FCF Margin at 155.0% in Q1 2026, 800.5% in Q4 2025, and 109.42% in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 23.37% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 33.56% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 14.04% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 35.91% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 10.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 45.78% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 6,779.64% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -216.52% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 65.22% |
| 10 | OppFi | - | - | 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% |
| Jun 30, 2021 | 206.96% |