OppFi (OPFI-WT) Net Margin (2020 - 2026)
OppFi (OPFI-WT) reported Net Margin of 61.87% for Q1 2026, up 3951.0% year-over-year from 1.53% in Q1 2025, and up 37.69% quarter-over-quarter from 44.93% in Q4 2025.
OppFi (OPFI-WT) Net Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI-WT) has 7 years of Net Margin data on file, last reported at 61.87% in Q1 2026.
- Net Margin for Q1 2026 came in at 61.87%, up 3951.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 47.63% (up 2070.0% YoY), and the FY2025 annual result was 38.37%, up 1229.0% from the prior year.
- Net Margin climbed to 61.87% in Q1 2026 per OPFI-WT's latest filing, from 44.93% in the prior quarter.
- Over five years, Net Margin peaked at 72.64% in Q3 2025 and troughed at 10.68% in Q4 2022.
- A 5-year average of 21.8% and a median of 17.29% in 2024 frame the typical range for Net Margin.
- The sharpest annual moves came in 2022 and 2026: Net Margin plunged 4283 bps in 2022, then soared 3951 bps in 2026.
- A 5-year view of Net Margin shows it stood at 10.68% in 2022, then surged by 128 bps to 2.95% in 2023, then jumped by 486 bps to 17.29% in 2024, then jumped by 160 bps to 44.93% in 2025, then surged by 38 bps to 61.87% in 2026.
- Business Quant data shows OPFI-WT's Net Margin at 61.87% in Q1 2026, 44.93% in Q4 2025, and 72.64% in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 53.62% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 46.23% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 13.66% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 13.32% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 16.44% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 30.76% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 15.15% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 13.84% |
| 10 | OppFi | - | - | 76.91 Mn | 61.87% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 61.87% |
| Dec 31, 2025 | 44.93% |
| Sep 30, 2025 | 72.64% |
| Jun 30, 2025 | 11.45% |
| Mar 31, 2025 | 22.35% |
| Dec 31, 2024 | 17.29% |
| Sep 30, 2024 | 35.16% |
| Jun 30, 2024 | 32.09% |
| Mar 31, 2024 | 16.03% |
| Dec 31, 2023 | 2.95% |
| Sep 30, 2023 | 20.48% |
| Jun 30, 2023 | 24.27% |
| Mar 31, 2023 | 6.91% |
| Dec 31, 2022 | -10.68% |
| Sep 30, 2022 | -1.14% |
| Jun 30, 2022 | 14.58% |
| Mar 31, 2022 | -0.59% |
| Dec 31, 2021 | 27.54% |
| Sep 30, 2021 | 41.69% |
| Jun 30, 2021 | 26.83% |