OppFi (OPFI) EBT Margin (2020 - 2026)
OppFi (OPFI) posted quarterly 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 reported EBT Margin for 7 consecutive years, with 66.45% the latest figure, recorded in Q1 2026.
- In Q1 2026, EBT Margin rose 4222.0% year-over-year to 66.45%; the TTM figure through Mar 2026 stood at 50.87% (up 2236.0% YoY), while the FY2025 annual figure was 40.96%, up 1357.0% from the prior year.
- EBT Margin advanced to 66.45% in Q1 2026 per OPFI's latest filing, from 46.55% in the prior quarter.
- Across five years, EBT Margin topped out at 78.02% in Q3 2025 and bottomed at 14.86% in Q4 2022.
- Historically, EBT Margin has averaged 23.09% across 5 years, with a median of 18.01% in 2024.
- Annual changes were most pronounced in 2022 — EBT Margin plunged 4199 bps — and 2026, when it soared 4222 bps.
- OppFi's EBT Margin stood at 14.86% in 2022, then jumped by 130 bps to 4.52% in 2023, then jumped by 298 bps to 18.01% in 2024, then jumped by 159 bps to 46.55% in 2025, then surged 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 78.02% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 58.74% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 59.14% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 20.73% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 30.28% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 15.09% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 24.62% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 10.34% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 154.09% |
| 10 | OppFi | 261.63 Mn | 161.71 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 | 78.02% |
| Jun 30, 2025 | 12.67% |
| Mar 31, 2025 | 24.23% |
| Dec 31, 2024 | 18.01% |
| Sep 30, 2024 | 37.73% |
| Jun 30, 2024 | 33.14% |
| Mar 31, 2024 | 16.61% |
| Dec 31, 2023 | 4.52% |
| Sep 30, 2023 | 21.15% |
| Jun 30, 2023 | 25.16% |
| Mar 31, 2023 | 7.13% |
| Dec 31, 2022 | -14.86% |
| Sep 30, 2022 | 0.67% |
| Jun 30, 2022 | 14.89% |
| Mar 31, 2022 | 0.48% |
| Dec 31, 2021 | 26.88% |
| Sep 30, 2021 | 42.66% |
| Jun 30, 2021 | 26.83% |