OppFi (OPFI) EBITDA (2020 - 2026)
OppFi (OPFI) reported EBITDA 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) EBITDA (2020 - 2026) Analysis & Trends
OppFi (OPFI) has 7 years of EBITDA data on file, last reported at $35.4 million in Q1 2026.
- EBITDA for Q1 2026 came in at $35.4 million, down 16.78% year-over-year; the trailing twelve-month figure through Mar 2026 was $159.5 million (up 21.1% YoY), and the FY2025 annual result was $166.7 million, up 76.31% from the prior year.
- EBITDA rose to $35.4 million in Q1 2026 per OPFI's latest filing, from $30.9 million in the prior quarter.
- Over five years, EBITDA peaked at $48.4 million in Q3 2025 and troughed at -$9.6 million in Q4 2022.
- A 5-year average of $19.8 million and a median of $18.3 million in 2023 frame the typical range for EBITDA.
- The sharpest annual moves came in 2022 and 2023: EBITDA sank 384.94% in 2022, then soared 1707.95% in 2023.
- 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.
- Business Quant data shows OPFI's EBITDA 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) | EBITDA (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 7.23 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 4.91 Bn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 3.55 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 6.79 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 1.49 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 2.02 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 96.25 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 153.01 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 332.00 Mn |
| 10 | OppFi | 222.53 Mn | 425.99 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 |