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.
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.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 52.76% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 37.82% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 64.06% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 20.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 50.23% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | -3,167.36% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -1,839.75% |
| 10 | OppFi | 261.63 Mn | 161.71 Mn | 76.91 Mn | -155.00% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -155.00% |
| Dec 31, 2025 | -670.63% |
| Sep 30, 2025 | -452.50% |
| Jun 30, 2025 | 357.89% |
| Mar 31, 2025 | -207.51% |
| Dec 31, 2024 | 767.09% |
| Sep 30, 2024 | -136.00% |
| Jun 30, 2024 | -298.40% |
| Mar 31, 2024 | 114.37% |
| Dec 31, 2023 | -1,721.48% |
| Sep 30, 2023 | 548.23% |
| Jun 30, 2023 | -158.59% |
| Mar 31, 2023 | -157.14% |
| Dec 31, 2022 | -228.96% |
| Sep 30, 2022 | -912.19% |
| Jun 30, 2022 | 319.28% |
| Mar 31, 2022 | -221.07% |
| Dec 31, 2021 | -222.26% |
| Sep 30, 2021 | -495.24% |
| Jun 30, 2021 | 53.55% |