OppFi (OPFI) EBIT (2020 - 2026)
OppFi (OPFI) posted quarterly EBIT of $35.4 million for Q1 2026, down 16.78% year-over-year from $42.5 million in Q1 2025, and up 14.32% quarter-over-quarter from $30.9 million in Q4 2025.
OppFi (OPFI) EBIT (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported EBIT for 7 consecutive years, with $35.4 million the latest figure, recorded in Q1 2026.
- In Q1 2026, EBIT fell 16.78% year-over-year to $35.4 million; the TTM figure through Mar 2026 stood at $159.5 million (up 21.1% YoY), while the FY2025 annual figure was $166.7 million, up 76.31% from the prior year.
- EBIT climbed to $35.4 million in Q1 2026 per OPFI's latest filing, from $30.9 million in the prior quarter.
- Across five years, EBIT topped out at $48.4 million in Q3 2025 and bottomed at -$9.6 million in Q4 2022.
- Historically, EBIT has averaged $19.8 million across 5 years, with a median of $18.3 million in 2023.
- Annual changes were most pronounced in 2022 — EBIT sank 384.94% — and 2023, when it soared 1707.95%.
- OppFi's EBIT stood at -$9.6 million in 2022, then soared by 190.6% to $8.7 million in 2023, then surged by 183.27% to $24.7 million in 2024, then climbed by 25.37% to $30.9 million in 2025, then grew by 14.32% to $35.4 million in 2026.
- Business Quant data shows OPFI's EBIT at $35.4 million in Q1 2026, $30.9 million in Q4 2025, and $48.4 million in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 6.88 Bn |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 5.59 Bn |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 3.51 Bn |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 11.07 Bn |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.43 Bn |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.16 Bn |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 88.43 Mn |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -933.54 Mn |
| 10 | OppFi | 261.63 Mn | 161.71 Mn | 76.91 Mn | 35.36 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 35.36 Mn |
| Dec 31, 2025 | 30.93 Mn |
| Sep 30, 2025 | 48.45 Mn |
| Jun 30, 2025 | 44.81 Mn |
| Mar 31, 2025 | 42.49 Mn |
| Dec 31, 2024 | 24.67 Mn |
| Sep 30, 2024 | 35.09 Mn |
| Jun 30, 2024 | 29.49 Mn |
| Mar 31, 2024 | 5.28 Mn |
| Dec 31, 2023 | 8.71 Mn |
| Sep 30, 2023 | 15.58 Mn |
| Jun 30, 2023 | 18.33 Mn |
| Mar 31, 2023 | 3.73 Mn |
| Dec 31, 2022 | -9.61 Mn |
| Sep 30, 2022 | -969,000.00 |
| Jun 30, 2022 | 6.40 Mn |
| Mar 31, 2022 | -2.16 Mn |
| Dec 31, 2021 | 3.37 Mn |
| Sep 30, 2021 | 11.51 Mn |
| Jun 30, 2021 | 17.99 Mn |