OppFi (OPFI) EBITDA Margin (2020 - 2026)
OppFi's (OPFI) quarterly EBITDA Margin came in at 28.26% in Q2 2026, down 1643.0% year-over-year from 1.83% in Q2 2025, and down 30.23% quarter-over-quarter from 40.51% in Q1 2026.
Powered by 
Analysis
OppFi (OPFI) EBITDA Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported EBITDA Margin for 7 consecutive years, with 28.26% the latest figure, recorded in Q2 2026.
- On a quarterly basis, EBITDA Margin fell 1643.0% year-over-year to 28.26% in Q2 2026; TTM through Jun 2026 was 38.26%, a 225.0% decrease from a year earlier, with the FY2025 full-year figure at 43.73%, up 1432.0% from the prior year.
- EBITDA Margin was 28.26% for Q2 2026 at OppFi, down from 40.51% 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 22.4% and a median of 26.42% in 2026 frame the typical range for EBITDA Margin.
- Across the five-year window, EBITDA Margin slumped 4368 bps in 2022 and surged 3843 bps in 2025, its largest moves.
- Over 5 years, EBITDA Margin stood at 19.84% in 2022, then soared by 167 bps to 13.25% in 2023, then soared by 130 bps to 30.53% in 2024, then climbed by 18 bps to 36.15% in 2025, then slipped by 22 bps to 28.26% in 2026.
- The last three EBITDA Margin figures came in at 28.26% (Q2 2026), 40.51% (Q1 2026), and 36.15% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 44.18 Bn | 44.51 Bn | 4.68 Bn | 15.28% |
| 2 | Royalty Pharma | 33.59 Bn | 35.70 Bn | - | 19.75% |
| 3 | Royal Gold | 21.14 Bn | 21.00 Bn | 390.45 Mn | 62.13% |
| 4 | OR Royalties | 6.88 Bn | 6.81 Bn | 82.22 Mn | 64.21% |
| 5 | Encore Capital | 2.11 Bn | 1.93 Bn | 455.04 Mn | 38.00% |
| 6 | Atlanticus Holdings | 1.41 Bn | 851.50 Mn | 686.46 Mn | 71.06% |
| 7 | Jefferson Capital | 1.18 Bn | 1.16 Bn | - | 45.87% |
| 8 | Lufax Holding | 1.04 Bn | -1.23 Bn | - | -7.33% |
| 9 | Upbound | 998.67 Mn | 893.37 Mn | 594.84 Mn | 4.66% |
| 10 | OppFi | 442.88 Mn | 351.04 Mn | 74.77 Mn | 28.26% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 28.26% |
| 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% |