OppFi (OPFI) FCF Margin (2020 - 2026)
OppFi (OPFI) posted quarterly FCF Margin of 155.0% for Q1 2026, up 5251.0% year-over-year from 2.9% in Q1 2025, and up 76.89% quarter-over-quarter from 670.63% in Q4 2025.
Powered by 
Analysis
OppFi (OPFI) FCF Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported FCF Margin for 7 consecutive years, with 155.0% the latest figure, recorded in Q1 2026.
- In Q1 2026, FCF Margin rose 5251.0% year-over-year to 155.0%; the TTM figure through Mar 2026 stood at 218.05% (down 23239.0% YoY), while the FY2025 annual figure was 229.98%, down 32666.0% from the prior year.
- FCF Margin rose to 155.0% in Q1 2026 per OPFI's latest filing, from 670.63% in the prior quarter.
- Across five years, FCF Margin topped out at 767.09% in Q4 2024 and bottomed at 1721.48% in Q4 2023.
- Historically, FCF Margin has averaged 188.98% across 5 years, with a median of 158.59% in 2023.
- Annual changes were most pronounced in 2023 — FCF Margin tumbled 149252 bps — and 2024, when it surged 248856 bps.
- OppFi's FCF Margin stood at 228.96% in 2022, then tumbled by 652 bps to 1721.48% in 2023, then soared by 145 bps to 767.09% in 2024, then tumbled by 187 bps to 670.63% in 2025, then jumped by 77 bps to 155.0% in 2026.
- Business Quant data shows OPFI's FCF Margin at 155.0% in Q1 2026, 670.63% in Q4 2025, and 452.5% in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 52.76% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 37.82% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 50.96% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 20.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | -1,112.06% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 50.23% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | -327.16% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 59.19% |
| 10 | OppFi | 477.32 Mn | 385.47 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% |