OppFi (OPFI) FCF Margin (2020 - 2026)
OppFi's (OPFI) quarterly FCF Margin came in at 275.42% in Q2 2026, down 4461.0% year-over-year from 6.32% in Q2 2025, and down 77.7% quarter-over-quarter from 155.0% in Q1 2026.
Analysis
OppFi (OPFI) FCF Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported FCF Margin for 7 consecutive years, with 275.42% the latest figure, recorded in Q2 2026.
- On a quarterly basis, FCF Margin fell 4461.0% year-over-year to 275.42% in Q2 2026; TTM through Jun 2026 was 228.13%, a 8504.0% increase from a year earlier, with the FY2025 full-year figure at 229.98%, up 5068.0% from the prior year.
- FCF Margin was 275.42% for Q2 2026 at OppFi, down from 155.0% in the prior quarter.
- Over five years, FCF Margin peaked at 111.93% in Q3 2025 and troughed at 910.19% in Q4 2023.
- A 5-year average of 268.78% and a median of 214.29% in 2025 frame the typical range for FCF Margin.
- Across the five-year window, FCF Margin tumbled 68124 bps in 2023 and jumped 24793 bps in 2025, its largest moves.
- Over 5 years, FCF Margin stood at 228.96% in 2022, then slumped by 298 bps to 910.19% in 2023, then advanced by 19 bps to 733.89% in 2024, then climbed by 9 bps to 670.63% in 2025, then soared by 59 bps to 275.42% in 2026.
- The last three FCF Margin figures came in at 275.42% (Q2 2026), 155.0% (Q1 2026), and 670.63% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 44.18 Bn | 44.51 Bn | 4.68 Bn | - |
| 2 | Royalty Pharma | 33.59 Bn | 35.70 Bn | - | 70.82% |
| 3 | Royal Gold | 21.14 Bn | 21.00 Bn | 390.45 Mn | 74.39% |
| 4 | OR Royalties | 6.88 Bn | 6.81 Bn | 82.22 Mn | 85.02% |
| 5 | Encore Capital | 2.11 Bn | 1.93 Bn | 455.04 Mn | -95.60% |
| 6 | Atlanticus Holdings | 1.41 Bn | 851.50 Mn | 686.46 Mn | 37.20% |
| 7 | Jefferson Capital | 1.18 Bn | 1.16 Bn | - | - |
| 8 | Lufax Holding | 1.04 Bn | -1.23 Bn | - | 29.18% |
| 9 | Upbound | 998.67 Mn | 893.37 Mn | 594.84 Mn | 9.27% |
| 10 | OppFi | 442.88 Mn | 351.04 Mn | 74.77 Mn | -275.42% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -275.42% |
| Mar 31, 2026 | -155.00% |
| Dec 31, 2025 | -670.63% |
| Sep 30, 2025 | 111.93% |
| Jun 30, 2025 | -230.81% |
| Mar 31, 2025 | -207.51% |
| Dec 31, 2024 | -733.89% |
| Sep 30, 2024 | -136.00% |
| Jun 30, 2024 | -124.06% |
| Mar 31, 2024 | -123.58% |
| Dec 31, 2023 | -910.19% |
| Sep 30, 2023 | -156.73% |
| Jun 30, 2023 | -158.59% |
| Mar 31, 2023 | -157.14% |
| Dec 31, 2022 | -228.96% |
| Sep 30, 2022 | -222.42% |
| Jun 30, 2022 | -237.88% |
| Mar 31, 2022 | -221.07% |
| Dec 31, 2021 | -222.26% |
| Sep 30, 2021 | -163.43% |