OppFi OPFI
NYSE OPFI
$6.56 -0.49 (-6.95%)
At close: Sep 18, 2026 · 4:00 PM EDT

OppFi (OPFI) Free Cash Flow (2020 - 2026)

OppFi's (OPFI) quarterly Free Cash Flow came in at -$237.3 million in Q2 2026, down 2.58% year-over-year from -$243.6 million in Q2 2025, and down 75.4% quarter-over-quarter from -$135.3 million in Q1 2026.

Analysis

OppFi (OPFI) Free Cash Flow (2020 - 2026) Analysis & Trends

OppFi (OPFI) has reported Free Cash Flow for 7 consecutive years, with -$237.3 million the latest figure, recorded in Q2 2026.

  • On a quarterly basis, Free Cash Flow fell 2.58% year-over-year to -$237.3 million in Q2 2026; TTM through Jun 2026 was -$829.5 million, a 27.04% increase from a year earlier, with the FY2025 full-year figure at -$876.6 million, up 2.84% from the prior year.
  • Free Cash Flow was -$237.3 million for Q2 2026 at OppFi, down from -$135.3 million in the prior quarter.
  • Over five years, Free Cash Flow peaked at $117.0 million in Q3 2025 and troughed at -$598.5 million in Q4 2023.
  • A 5-year average of -$198.4 million and a median of -$121.3 million in 2023 frame the typical range for Free Cash Flow.
  • Across the five-year window, Free Cash Flow tumbled 439.46% in 2023 and jumped 194.39% in 2025, its largest moves.
  • Over 5 years, Free Cash Flow stood at -$110.9 million in 2022, then plunged by 439.46% to -$598.5 million in 2023, then grew by 0.89% to -$593.1 million in 2024, then grew by 3.25% to -$573.8 million in 2025, then soared by 58.64% to -$237.3 million in 2026.
  • The last three Free Cash Flow figures came in at -$237.3 million (Q2 2026), -$135.3 million (Q1 2026), and -$573.8 million (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Free Cash Flow (Qtr)
1 Orix 44.18 Bn 44.51 Bn 4.68 Bn -
2 Royalty Pharma 33.59 Bn 35.70 Bn - 477.44 Mn
3 Royal Gold 21.14 Bn 21.00 Bn 390.45 Mn 335.15 Mn
4 OR Royalties 6.88 Bn 6.81 Bn 82.22 Mn 83.17 Mn
5 Encore Capital 2.11 Bn 1.93 Bn 455.04 Mn -470.22 Mn
6 Atlanticus Holdings 1.41 Bn 851.50 Mn 686.46 Mn 276.86 Mn
7 Jefferson Capital 1.18 Bn 1.16 Bn - -
8 Lufax Holding 1.04 Bn -1.23 Bn - 535.13 Mn
9 Upbound 998.67 Mn 893.37 Mn 594.84 Mn 107.80 Mn
10 OppFi 442.88 Mn 351.04 Mn 74.77 Mn -237.33 Mn
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 -237.33 Mn
Mar 31, 2026 -135.31 Mn
Dec 31, 2025 -573.85 Mn
Sep 30, 2025 117.03 Mn
Jun 30, 2025 -231.38 Mn
Mar 31, 2025 -188.44 Mn
Dec 31, 2024 -593.12 Mn
Sep 30, 2024 -123.99 Mn
Jun 30, 2024 -107.04 Mn
Mar 31, 2024 -78.12 Mn
Dec 31, 2023 -598.46 Mn
Sep 30, 2023 -118.59 Mn
Jun 30, 2023 -118.27 Mn
Mar 31, 2023 -89.86 Mn
Dec 31, 2022 -110.94 Mn
Sep 30, 2022 -117.05 Mn
Jun 30, 2022 -154.98 Mn
Mar 31, 2022 -112.15 Mn
Dec 31, 2021 -137.55 Mn
Sep 30, 2021 -119.13 Mn