OppFi (OPFI) FCF Margin (2020 - 2026)

OppFi (OPFI) reported FCF Margin of 155.0% for Q1 2026, up 5251.0% year-over-year from 2.9% in Q1 2025, and down 119.36% quarter-over-quarter from 800.5% in Q4 2025.

OppFi (OPFI) FCF Margin (2020 - 2026) Analysis & Trends

OppFi (OPFI) has 7 years of FCF Margin data on file, last reported at 155.0% in Q1 2026.

  • FCF Margin for Q1 2026 came in at 155.0%, up 5251.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 115.27% (up 40534.0% YoY), and the FY2025 annual result was 100.26%, up 38093.0% from the prior year.
  • FCF Margin declined to 155.0% in Q1 2026 per OPFI's latest filing, from 800.5% in the prior quarter.
  • Over five years, FCF Margin peaked at 1267.65% in Q4 2022 and troughed at 1389.49% in Q4 2024.
  • A 5-year average of 100.15% and a median of 109.42% in 2025 frame the typical range for FCF Margin.
  • The sharpest annual moves came in 2023 and 2025: FCF Margin plunged 217784 bps in 2023, then jumped 218999 bps in 2025.
  • A 5-year view of FCF Margin shows it stood at 1267.65% in 2022, then plunged by 172 bps to 910.19% in 2023, then sank by 53 bps to 1389.49% in 2024, then jumped by 158 bps to 800.5% in 2025, then plunged by 119 bps to 155.0% in 2026.
  • Business Quant data shows OPFI's FCF Margin at 155.0% in Q1 2026, 800.5% in Q4 2025, and 109.42% in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 23.37%
2 Mastercard 437.55 Bn 427.34 Bn - 33.56%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 14.04%
4 Capital One Financial 112.47 Bn 35.97 Bn - 35.91%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 10.81%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 45.78%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 6,779.64%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -216.52%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 65.22%
10 OppFi 222.53 Mn 425.99 Mn 76.91 Mn -155.00%

Historic Data

Download Data
DateValue
Mar 31, 2026 -155.00%
Dec 31, 2025 800.50%
Sep 30, 2025 -109.42%
Jun 30, 2025 0.06%
Mar 31, 2025 -207.51%
Dec 31, 2024 -1,389.49%
Sep 30, 2024 80.82%
Jun 30, 2024 260.93%
Mar 31, 2024 -123.58%
Dec 31, 2023 -910.19%
Sep 30, 2023 -608.79%
Jun 30, 2023 94.41%
Mar 31, 2023 111.08%
Dec 31, 2022 1,267.65%
Sep 30, 2022 -912.19%
Jun 30, 2022 319.28%
Mar 31, 2022 -221.07%
Dec 31, 2021 70.20%
Sep 30, 2021 42.90%
Jun 30, 2021 206.96%