OppFi (OPFI) EBT (2020 - 2026)
OppFi (OPFI) posted quarterly EBT of $58.0 million for Q1 2026, up 163.68% YoY from $22.0 million in Q1 2025, and up 45.63% sequentially from $39.8 million in Q4 2025.
OppFi (OPFI) EBT (2020 - 2026) Analysis & Trends
OppFi has disclosed EBT across 7 years of filings, most recently posting $58.0 million for Q1 2026.
- In Q1 2026, EBT rose 163.68% year-over-year to $58.0 million; the TTM figure through Mar 2026 stood at $192.1 million (up 93.05% YoY), while the FY2025 annual figure was $156.1 million, up 77.32% from the prior year.
- EBT rose to $58.0 million in Q1 2026, from $39.8 million in the prior quarter.
- Over the last five years, EBT for OPFI reached as high as $81.6 million in Q3 2025 and fell as low as -$7.2 million in Q4 2022.
- The 5-year median for EBT is $14.6 million (2024), against an average of $20.4 million.
- Annual changes were most pronounced in 2022 — EBT sank 143.47% — and 2023, when it surged 3900.0%.
- A 5-year view of EBT shows it stood at -$7.2 million in 2022, then surged by 141.13% to $3.0 million in 2023, then soared by 389.85% to $14.6 million in 2024, then jumped by 173.33% to $39.8 million in 2025, then jumped by 45.63% to $58.0 million in 2026.
- According to Business Quant data, EBT over the past three periods registered $58.0 million, $39.8 million, and $81.6 million for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 7.17 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 4.81 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 3.78 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 1.39 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 107.38 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 199.55 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 400.00 Mn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 157.00 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 71.99 Mn |
| 10 | OppFi | - | - | 76.91 Mn | 58.01 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 58.01 Mn |
| Dec 31, 2025 | 39.83 Mn |
| Sep 30, 2025 | 81.60 Mn |
| Jun 30, 2025 | 12.70 Mn |
| Mar 31, 2025 | 22.00 Mn |
| Dec 31, 2024 | 14.57 Mn |
| Sep 30, 2024 | 34.35 Mn |
| Jun 30, 2024 | 28.60 Mn |
| Mar 31, 2024 | 10.54 Mn |
| Dec 31, 2023 | 2.98 Mn |
| Sep 30, 2023 | 16.00 Mn |
| Jun 30, 2023 | 18.80 Mn |
| Mar 31, 2023 | 4.10 Mn |
| Dec 31, 2022 | -7.23 Mn |
| Sep 30, 2022 | 400,000.00 |
| Jun 30, 2022 | 9.70 Mn |
| Mar 31, 2022 | 200,000.00 |
| Dec 31, 2021 | 16.64 Mn |
| Sep 30, 2021 | 31.10 Mn |
| Jun 30, 2021 | 17.99 Mn |