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
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |