OppFi (OPFI) EBT Margin (2020 - 2026)
OppFi (OPFI) reported EBT Margin of 66.45% for Q1 2026, up 4222.0% year-over-year from 1.54% in Q1 2025, and up 42.75% quarter-over-quarter from 46.55% in Q4 2025.
OppFi (OPFI) EBT Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI) has 7 years of EBT Margin data on file, last reported at 66.45% in Q1 2026.
- EBT Margin for Q1 2026 came in at 66.45%, up 4222.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 50.88% (up 2236.0% YoY), and the FY2025 annual result was 40.96%, up 1357.0% from the prior year.
- EBT Margin improved to 66.45% in Q1 2026 per OPFI's latest filing, from 46.55% in the prior quarter.
- Over five years, EBT Margin peaked at 78.04% in Q3 2025 and troughed at 14.93% in Q4 2022.
- A 5-year average of 23.1% and a median of 18.03% in 2024 frame the typical range for EBT Margin.
- The sharpest annual moves came in 2022 and 2026: EBT Margin plunged 4190 bps in 2022, then soared 4222 bps in 2026.
- A 5-year view of EBT Margin shows it stood at 14.93% in 2022, then jumped by 130 bps to 4.52% in 2023, then surged by 299 bps to 18.03% in 2024, then soared by 158 bps to 46.55% in 2025, then jumped by 43 bps to 66.45% in 2026.
- Business Quant data shows OPFI's EBT Margin at 66.45% in Q1 2026, 46.55% in Q4 2025, and 78.04% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 63.88% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 57.30% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 19.98% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 17.72% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 16.68% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 21.96% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 32.10% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 18.14% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 19.03% |
| 10 | OppFi | 222.53 Mn | 425.99 Mn | 76.91 Mn | 66.45% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 66.45% |
| Dec 31, 2025 | 46.55% |
| Sep 30, 2025 | 78.04% |
| Jun 30, 2025 | 12.67% |
| Mar 31, 2025 | 24.23% |
| Dec 31, 2024 | 18.03% |
| Sep 30, 2024 | 37.68% |
| Jun 30, 2024 | 33.15% |
| Mar 31, 2024 | 16.67% |
| Dec 31, 2023 | 4.52% |
| Sep 30, 2023 | 21.15% |
| Jun 30, 2023 | 25.21% |
| Mar 31, 2023 | 7.17% |
| Dec 31, 2022 | -14.93% |
| Sep 30, 2022 | 0.76% |
| Jun 30, 2022 | 14.89% |
| Mar 31, 2022 | 0.39% |
| Dec 31, 2021 | 26.89% |
| Sep 30, 2021 | 42.66% |
| Jun 30, 2021 | 26.83% |