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

OppFi (OPFI-WT) reported Free Cash Flow of -$135.3 million for Q1 2026, up 28.2% year-over-year from -$105.5 million in Q1 2025, and down 119.75% quarter-over-quarter from $685.0 million in Q4 2025.

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

OppFi (OPFI-WT) has 7 years of Free Cash Flow data on file, last reported at -$135.3 million in Q1 2026.

  • Free Cash Flow for Q1 2026 came in at -$135.3 million, up 28.2% year-over-year; the trailing twelve-month figure through Mar 2026 was $435.3 million (up 142.99% YoY), and the FY2025 annual result was $382.2 million, up 142.36% from the prior year.
  • Free Cash Flow slipped to -$135.3 million in Q1 2026 per OPFI-WT's latest filing, from $685.0 million in the prior quarter.
  • Over five years, Free Cash Flow peaked at $685.0 million in Q4 2025 and troughed at -$1.1 billion in Q4 2024.
  • A 5-year average of -$79.4 million and a median of -$78.1 million in 2024 frame the typical range for Free Cash Flow.
  • On a YoY basis, Free Cash Flow climbed as much as 1313.77% in 2022 and fell as far as 1635.13% in 2022.
  • A 5-year view of Free Cash Flow shows it stood at $614.2 million in 2022, then sank by 197.43% to -$598.5 million in 2023, then tumbled by 87.64% to -$1.1 billion in 2024, then surged by 161.0% to $685.0 million in 2025, then tumbled by 119.75% to -$135.3 million in 2026.
  • Business Quant data shows OPFI-WT's Free Cash Flow at -$135.3 million in Q1 2026, $685.0 million in Q4 2025, and -$114.4 million in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Free Cash Flow (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 2.63 Bn
2 Mastercard 437.55 Bn 427.34 Bn - 2.82 Bn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 2.66 Bn
4 Capital One Financial 112.47 Bn 35.97 Bn - 5.47 Bn
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 903.00 Mn
6 Synchrony Financial 24.26 Bn 3.70 Bn - 2.18 Bn
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 22.68 Bn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -2.38 Bn
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 1.37 Bn
10 OppFi - - 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