OppFi (OPFI-WT) FCF Payout Ratio (2020 - 2026)
OppFi (OPFI-WT) reported FCF Payout Ratio of 0.08 for Q1 2026, down 28.34% year-over-year from 0.11 in Q1 2025, and down 1.24% quarter-over-quarter from 0.08 in Q4 2025.
OppFi (OPFI-WT) FCF Payout Ratio (2020 - 2026) Analysis & Trends
OppFi (OPFI-WT) has 7 years of FCF Payout Ratio data on file, last reported at 0.08 in Q1 2026.
- FCF Payout Ratio for Q1 2026 came in at 0.08, down 28.34% year-over-year; the trailing twelve-month figure through Mar 2026 was 0.01 (up 344.91% YoY), and the FY2025 annual result was 0.02, up 737.82% from the prior year.
- FCF Payout Ratio slipped to 0.08 in Q1 2026 per OPFI-WT's latest filing, from 0.08 in the prior quarter.
- Over five years, FCF Payout Ratio peaked at 0.54 in Q3 2024 and troughed at 81.98 in Q2 2025.
- A 5-year average of 4.84 and a median of 0.01 in 2022 frame the typical range for FCF Payout Ratio.
- The sharpest annual moves came in 2024 and 2025: FCF Payout Ratio jumped 2522.43% in 2024, then plunged 307619.38% in 2025.
- A 5-year view of FCF Payout Ratio shows it stood at 0.0 in 2022, then jumped by 899.22% to 0.02 in 2023, then jumped by 106.49% to 0.04 in 2024, then slumped by 314.23% to 0.08 in 2025, then dropped by 1.24% to 0.08 in 2026.
- Business Quant data shows OPFI-WT's FCF Payout Ratio at 0.08 in Q1 2026, 0.08 in Q4 2025, and 0.45 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 0.49 |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 0.28 |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 0.22 |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 0.09 |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 0.14 |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 0.01 |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | - |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | - |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.02 |
| 10 | OppFi | - | - | 76.91 Mn | -0.08 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -0.08 |
| Dec 31, 2025 | -0.08 |
| Sep 30, 2025 | -0.45 |
| Jun 30, 2025 | -81.98 |
| Mar 31, 2025 | -0.06 |
| Dec 31, 2024 | 0.04 |
| Sep 30, 2024 | 0.54 |
| Jun 30, 2024 | -0.03 |
| Mar 31, 2024 | -0.11 |
| Dec 31, 2023 | 0.02 |
| Sep 30, 2023 | -0.02 |
| Jun 30, 2023 | 0.00 |
| Mar 31, 2023 | 0.00 |
| Dec 31, 2022 | 0.00 |
| Sep 30, 2022 | 0.00 |
| Jun 30, 2022 | 0.00 |
| Mar 31, 2022 | -0.01 |
| Dec 31, 2021 | 0.00 |
| Sep 30, 2021 | 0.54 |
| Jun 30, 2021 | 0.24 |