OppFi (OPFI-WT) Retained Earnings (2020 - 2026)

OppFi (OPFI-WT) posted quarterly Retained Earnings of -$5.2 million for Q1 2026, up 92.82% YoY from -$2.7 million in Q1 2025, and up 84.54% sequentially from -$33.5 million in Q4 2025.

OppFi (OPFI-WT) Retained Earnings (2020 - 2026) Analysis & Trends

OppFi has disclosed Retained Earnings across 7 years of filings, most recently posting -$5.2 million for Q1 2026.

  • In Q1 2026, Retained Earnings rose 92.82% year-over-year to -$5.2 million; the TTM figure through Mar 2026 stood at -$5.2 million (up 92.82% YoY), while the FY2025 annual figure was -$33.5 million, up 39.22% from the prior year.
  • Retained Earnings improved to -$5.2 million in Q1 2026, from -$33.5 million in the prior quarter.
  • Over the last five years, Retained Earnings for OPFI-WT reached as high as -$5.2 million in Q1 2026 and fell as low as -$91.5 million in Q2 2025.
  • The 5-year median for Retained Earnings is -$61.0 million (2023), against an average of -$58.0 million.
  • Annual changes were most pronounced in 2022 — Retained Earnings sank 735.44% — and 2026, when it jumped 92.82%.
  • A 5-year view of Retained Earnings shows it stood at -$63.5 million in 2022, then slipped by 0.07% to -$63.6 million in 2023, then grew by 13.31% to -$55.1 million in 2024, then jumped by 39.22% to -$33.5 million in 2025, then jumped by 84.54% to -$5.2 million in 2026.
  • According to Business Quant data, Retained Earnings over the past three periods registered -$5.2 million, -$33.5 million, and -$49.8 million for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Retained Earnings (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 13.12 Bn
2 Mastercard 465.55 Bn 455.34 Bn - -928.00 Mn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 26.09 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 33.45 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn -23.59 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -2.74 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn -2.77 Bn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 1.12 Bn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 1.84 Mn
10 OppFi 1.07 Mn 204.53 Mn 76.91 Mn -5.18 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 -5.18 Mn
Dec 31, 2025 -33.51 Mn
Sep 30, 2025 -49.80 Mn
Jun 30, 2025 -91.53 Mn
Mar 31, 2025 -72.17 Mn
Dec 31, 2024 -55.13 Mn
Sep 30, 2024 -50.64 Mn
Jun 30, 2024 -57.34 Mn
Mar 31, 2024 -58.04 Mn
Dec 31, 2023 -63.59 Mn
Sep 30, 2023 -58.52 Mn
Jun 30, 2023 -60.99 Mn
Mar 31, 2023 -63.29 Mn
Dec 31, 2022 -63.55 Mn
Sep 30, 2022 -66.68 Mn
Jun 30, 2022 -66.16 Mn
Mar 31, 2022 -70.69 Mn
Dec 31, 2021 -70.72 Mn
Sep 30, 2021 -82.18 Mn
Jun 30, 2021 -27.39 Mn