OppFi (OPFI-WT) Free Cash Flow (2020 - 2026)

OppFi (OPFI-WT) posted quarterly Free Cash Flow of -$135.3 million for Q1 2026, up 28.2% YoY from -$105.5 million in Q1 2025, and down 119.75% sequentially from $685.0 million in Q4 2025.

OppFi (OPFI-WT) Free Cash Flow (2020 - 2026) Analysis & Trends

OppFi has disclosed Free Cash Flow across 7 years of filings, most recently posting -$135.3 million for Q1 2026.

  • In Q1 2026, Free Cash Flow rose 28.2% year-over-year to -$135.3 million; the TTM figure through Mar 2026 stood at $435.3 million (up 142.99% YoY), while the FY2025 annual figure was $382.2 million, up 142.36% from the prior year.
  • Free Cash Flow declined to -$135.3 million in Q1 2026, from $685.0 million in the prior quarter.
  • Over the last five years, Free Cash Flow for OPFI-WT reached as high as $685.0 million in Q4 2025 and fell as low as -$1.1 billion in Q4 2024.
  • The 5-year median for Free Cash Flow is -$78.1 million (2024), against an average of -$79.4 million.
  • The widest YoY moves for Free Cash Flow: up 1313.77% in 2022, down 1635.13% in 2022.
  • A 5-year view of Free Cash Flow shows it stood at $614.2 million in 2022, then tumbled by 197.43% to -$598.5 million in 2023, then sank by 87.64% to -$1.1 billion in 2024, then surged by 161.0% to $685.0 million in 2025, then sank by 119.75% to -$135.3 million in 2026.
  • According to Business Quant data, Free Cash Flow over the past three periods registered -$135.3 million, $685.0 million, and -$114.4 million for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 2.63 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 2.82 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 2.66 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 903.00 Mn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 22.68 Bn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -2.38 Bn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 1.37 Bn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 268.90 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 66.48 Mn
10 OppFi 1.07 Mn 204.53 Mn 76.91 Mn -135.31 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 -135.31 Mn
Mar 31, 2026 -135.31 Mn
Dec 31, 2025 684.98 Mn
Dec 31, 2025 684.98 Mn
Sep 30, 2025 -114.41 Mn
Sep 30, 2025 -114.41 Mn
Jun 30, 2025 59,000.00
Jun 30, 2025 59,000.00
Mar 31, 2025 -188.44 Mn
Mar 31, 2025 -188.44 Mn
Dec 31, 2024 -1.12 Bn
Dec 31, 2024 -1.12 Bn
Sep 30, 2024 73.68 Mn
Sep 30, 2024 73.68 Mn
Jun 30, 2024 225.13 Mn
Jun 30, 2024 225.13 Mn
Mar 31, 2024 -78.12 Mn
Mar 31, 2024 -78.12 Mn
Dec 31, 2023 -598.46 Mn
Dec 31, 2023 -598.46 Mn