OppFi (OPFI) EBIT Margin (2020 - 2026)
OppFi (OPFI) posted quarterly EBIT Margin of 40.51% for Q1 2026, down 628.0% year-over-year from 7.67% in Q1 2025, and up 12.05% quarter-over-quarter from 36.15% in Q4 2025.
OppFi (OPFI) EBIT Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported EBIT Margin for 7 consecutive years, with 40.51% the latest figure, recorded in Q1 2026.
- In Q1 2026, EBIT Margin fell 628.0% year-over-year to 40.51%; the TTM figure through Mar 2026 stood at 42.25% (up 450.0% YoY), while the FY2025 annual figure was 43.73%, up 1432.0% from the prior year.
- EBIT Margin climbed to 40.51% in Q1 2026 per OPFI's latest filing, from 36.15% in the prior quarter.
- Across five years, EBIT Margin topped out at 46.79% in Q1 2025 and bottomed at 19.84% in Q4 2022.
- Historically, EBIT Margin has averaged 22.05% across 5 years, with a median of 24.58% in 2023.
- Annual changes were most pronounced in 2022 — EBIT Margin sank 4368 bps — and 2025, when it soared 3843 bps.
- OppFi's EBIT Margin stood at 19.84% in 2022, then surged by 167 bps to 13.25% in 2023, then surged by 130 bps to 30.53% in 2024, then increased by 18 bps to 36.15% in 2025, then rose by 12 bps to 40.51% in 2026.
- Business Quant data shows OPFI's EBIT Margin at 40.51% in Q1 2026, 36.15% in Q4 2025, and 46.33% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 59.12% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 60.22% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 87.81% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 16.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 44.85% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 8.51% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -720.86% |
| 10 | OppFi | 261.63 Mn | 161.71 Mn | 76.91 Mn | 40.51% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 40.51% |
| Dec 31, 2025 | 36.15% |
| Sep 30, 2025 | 46.33% |
| Jun 30, 2025 | 44.70% |
| Mar 31, 2025 | 46.79% |
| Dec 31, 2024 | 30.53% |
| Sep 30, 2024 | 38.49% |
| Jun 30, 2024 | 34.18% |
| Mar 31, 2024 | 8.36% |
| Dec 31, 2023 | 13.25% |
| Sep 30, 2023 | 20.59% |
| Jun 30, 2023 | 24.58% |
| Mar 31, 2023 | 6.52% |
| Dec 31, 2022 | -19.84% |
| Sep 30, 2022 | -1.84% |
| Jun 30, 2022 | 9.83% |
| Mar 31, 2022 | -4.26% |
| Dec 31, 2021 | 5.45% |
| Sep 30, 2021 | 15.79% |
| Jun 30, 2021 | 26.83% |