OppFi (OPFI) FCF Payout Ratio (2020 - 2026)
OppFi's (OPFI) quarterly FCF Payout Ratio came in at 0.05 in Q2 2026, up 66.86% year-over-year from 0.03 in Q2 2025, and up 31.56% quarter-over-quarter from 0.08 in Q1 2026.
Analysis
OppFi (OPFI) FCF Payout Ratio (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported FCF Payout Ratio for 7 consecutive years, with 0.05 the latest figure, recorded in Q2 2026.
- On a quarterly basis, FCF Payout Ratio rose 66.86% year-over-year to 0.05 in Q2 2026; TTM through Jun 2026 was 0.04, a 25.64% increase from a year earlier, with the FY2025 full-year figure at 0.07, down 42.03% from the prior year.
- FCF Payout Ratio was 0.05 for Q2 2026 at OppFi, up from 0.08 in the prior quarter.
- Over five years, FCF Payout Ratio peaked at 0.09 in Q3 2025 and troughed at 0.16 in Q2 2025.
- A 5-year average of 0.03 and a median of 0.01 in 2022 frame the typical range for FCF Payout Ratio.
- Across the five-year window, FCF Payout Ratio tumbled 192504.98% in 2024 and soared 181.84% in 2025, its largest moves.
- Over 5 years, FCF Payout Ratio stood at 0.0 in 2022, then sank by 69.1% to 0.0 in 2023, then slumped by 3540.73% to 0.0 in 2024, then grew by 27.26% to 0.0 in 2025, then plunged by 12438.83% to 0.05 in 2026.
- The last three FCF Payout Ratio figures came in at 0.05 (Q2 2026), 0.08 (Q1 2026), and 0.0 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 44.18 Bn | 44.51 Bn | 4.68 Bn | - |
| 2 | Royalty Pharma | 33.59 Bn | 35.70 Bn | - | 0.07 |
| 3 | Royal Gold | 21.14 Bn | 21.00 Bn | 390.45 Mn | 0.12 |
| 4 | OR Royalties | 6.88 Bn | 6.81 Bn | 82.22 Mn | 0.12 |
| 5 | Encore Capital | 2.11 Bn | 1.93 Bn | 455.04 Mn | - |
| 6 | Atlanticus Holdings | 1.41 Bn | 851.50 Mn | 686.46 Mn | 0.01 |
| 7 | Jefferson Capital | 1.18 Bn | 1.16 Bn | - | - |
| 8 | Lufax Holding | 1.04 Bn | -1.23 Bn | - | - |
| 9 | Upbound | 998.67 Mn | 893.37 Mn | 594.84 Mn | 0.21 |
| 10 | OppFi | 442.88 Mn | 351.04 Mn | 74.77 Mn | - |
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 |