OppFi (OPFI) FCF Payout Ratio (2020 - 2026)
OppFi (OPFI) posted quarterly FCF Payout Ratio of 0.08 for Q1 2026, down 28.34% year-over-year from 0.11 in Q1 2025, and up 15.58% quarter-over-quarter from 0.09 in Q4 2025.
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Analysis
OppFi (OPFI) FCF Payout Ratio (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported FCF Payout Ratio for 7 consecutive years, with 0.08 the latest figure, recorded in Q1 2026.
- In Q1 2026, FCF Payout Ratio fell 28.34% year-over-year to 0.08; the TTM figure through Mar 2026 stood at 0.07 (up 72.19% YoY), while the FY2025 annual figure was 0.07, down 973.63% from the prior year.
- FCF Payout Ratio climbed to 0.08 in Q1 2026 per OPFI's latest filing, from 0.09 in the prior quarter.
- Across five years, FCF Payout Ratio topped out at 0.21 in Q3 2024 and bottomed at 0.09 in Q4 2025.
- Historically, FCF Payout Ratio has averaged 0.01 across 5 years, with a median of 0.0 in 2023.
- On a YoY basis, FCF Payout Ratio climbed as much as 208217.7% in 2024 and fell as far as 21910.9% in 2024.
- OppFi's FCF Payout Ratio stood at 0.01 in 2022, then slumped by 99.93% to 0.0 in 2023, then jumped by 2393272.51% to 0.21 in 2024, then tumbled by 142.93% to 0.09 in 2025, then increased by 15.58% to 0.08 in 2026.
- Business Quant data shows OPFI's FCF Payout Ratio at 0.08 in Q1 2026, 0.09 in Q4 2025, and 0.01 in Q2 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 0.21 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 0.22 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 0.15 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 0.06 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 0.07 |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | - |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 0.04 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | - |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.07 |
| 10 | OppFi | 477.32 Mn | 385.47 Mn | 74.77 Mn | -0.05 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -0.05 |
| Mar 31, 2026 | -0.08 |
| Dec 31, 2025 | 0.00 |
| Sep 30, 2025 | 0.09 |
| Jun 30, 2025 | -0.16 |
| Mar 31, 2025 | -0.06 |
| Dec 31, 2024 | 0.00 |
| Sep 30, 2024 | -0.11 |
| Jun 30, 2024 | -0.02 |
| Mar 31, 2024 | -0.11 |
| Dec 31, 2023 | 0.00 |
| Sep 30, 2023 | -0.02 |
| Jun 30, 2023 | -0.06 |
| Mar 31, 2023 | 0.00 |
| Dec 31, 2022 | 0.00 |
| Sep 30, 2022 | 0.00 |
| Jun 30, 2022 | 0.00 |
| Mar 31, 2022 | -0.01 |
| Dec 31, 2021 | 0.00 |
| Sep 30, 2021 | -0.14 |