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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 - 2025)

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

  • Quarterly results put EBT Margin at 46.52% for Q4 2025, up 2851.0% from a year ago — trailing twelve months through Dec 2025 was 40.96% (up 1359.0% YoY), and the annual figure for FY2025 was 40.96%, up 1357.0%.
  • EBT Margin for Q4 2025 was 46.52% at OppFi, down from 78.04% in the prior quarter.
  • Over the last five years, EBT Margin for OPFI hit a ceiling of 78.04% in Q3 2025 and a floor of 14.86% in Q4 2022.
  • Median EBT Margin over the past 5 years was 22.7% (2023), compared with a mean of 23.09%.
  • Biggest five-year swings in EBT Margin: plummeted -4190bps in 2022 and later soared 4036bps in 2025.
  • OppFi's EBT Margin 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.
  • The last three reported values for EBT Margin were 46.52% (Q4 2025), 78.04% (Q3 2025), and 12.67% (Q2 2025) per Business Quant data.