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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

OppFi (OPFI) EBT Margin (2020 - 2026)

OppFi has reported EBT Margin over the past 6 years, most recently at 46.52% for Q4 2025.

  • Quarterly EBT Margin rose 2851.0% to 46.52% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 40.96% through Dec 2025, up 1359.0% year-over-year, with the annual reading at 40.96% for FY2025, 1357.0% up from the prior year.
  • EBT Margin was 46.52% for Q4 2025 at OppFi, down from 78.04% in the prior quarter.
  • Over five years, EBT Margin peaked at 78.04% in Q3 2025 and troughed at 14.86% in Q4 2022.
  • The 5-year median for EBT Margin is 22.7% (2023), against an average of 23.09%.
  • Year-over-year, EBT Margin plummeted -4190bps in 2022 and then soared 4036bps in 2025.
  • A 5-year view of EBT Margin shows it stood at 26.88% in 2021, then tumbled by -155bps to 14.86% in 2022, then soared by 130bps to 4.52% in 2023, then soared by 298bps to 18.01% in 2024, then soared by 158bps to 46.52% in 2025.
  • Per Business Quant, the three most recent readings for OPFI's EBT Margin are 46.52% (Q4 2025), 78.04% (Q3 2025), and 12.67% (Q2 2025).