OppFi (OPFI) EBITDA (2020 - 2026)
OppFi (OPFI) posted quarterly EBITDA of $35.4 million for Q1 2026, down 16.78% YoY from $42.5 million in Q1 2025, and up 14.32% sequentially from $30.9 million in Q4 2025.
OppFi (OPFI) EBITDA (2020 - 2026) Analysis & Trends
OppFi has disclosed EBITDA across 7 years of filings, most recently posting $35.4 million for Q1 2026.
- In Q1 2026, EBITDA 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.
- EBITDA advanced to $35.4 million in Q1 2026, from $30.9 million in the prior quarter.
- Over the last five years, EBITDA for OPFI reached as high as $48.4 million in Q3 2025 and fell as low as -$9.6 million in Q4 2022.
- The 5-year median for EBITDA is $18.3 million (2023), against an average of $19.8 million.
- Annual changes were most pronounced in 2022 — EBITDA tumbled 384.94% — and 2023, when it soared 1707.95%.
- A 5-year view of EBITDA shows it stood at -$9.6 million in 2022, then surged by 190.6% to $8.7 million in 2023, then jumped by 183.27% to $24.7 million in 2024, then advanced by 25.37% to $30.9 million in 2025, then climbed by 14.32% to $35.4 million in 2026.
- According to Business Quant data, EBITDA over the past three periods registered $35.4 million, $30.9 million, and $48.4 million for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 7.23 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 4.91 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 3.55 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 1.49 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 96.25 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 153.01 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 332.00 Mn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 139.80 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 69.02 Mn |
| 10 | OppFi | - | - | 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 |