OppFi (OPFI) EBITDA Margin (2020 - 2026)
OppFi (OPFI) reported EBITDA 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) EBITDA Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI) has 7 years of EBITDA Margin data on file, last reported at 40.51% in Q1 2026.
- EBITDA Margin for Q1 2026 came in at 40.51%, down 628.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 42.25% (up 450.0% YoY), and the FY2025 annual result was 43.73%, up 1432.0% from the prior year.
- EBITDA Margin rose to 40.51% in Q1 2026 per OPFI's latest filing, from 36.15% in the prior quarter.
- Over five years, EBITDA Margin peaked at 46.79% in Q1 2025 and troughed at 19.84% in Q4 2022.
- A 5-year average of 22.05% and a median of 24.58% in 2023 frame the typical range for EBITDA Margin.
- The sharpest annual moves came in 2022 and 2025: EBITDA Margin sank 4368 bps in 2022, then soared 3843 bps in 2025.
- A 5-year view of EBITDA Margin shows it stood at 19.84% in 2022, then jumped by 167 bps to 13.25% in 2023, then jumped by 130 bps to 30.53% in 2024, then grew by 18 bps to 36.15% in 2025, then increased by 12 bps to 40.51% in 2026.
- Business Quant data shows OPFI's EBITDA 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) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 64.42% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 58.43% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 44.55% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 42.26% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 28.77% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 13.91% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 15.79% |
| 10 | OppFi | 222.53 Mn | 425.99 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% |