OppFi (OPFI) Free Cash Flow (2020 - 2026)
OppFi (OPFI) posted quarterly Free Cash Flow of -$135.3 million for Q1 2026, up 28.2% YoY from -$105.5 million in Q1 2025, and down 119.75% sequentially from $685.0 million in Q4 2025.
OppFi (OPFI) Free Cash Flow (2020 - 2026) Analysis & Trends
OppFi has disclosed Free Cash Flow across 7 years of filings, most recently posting -$135.3 million for Q1 2026.
- In Q1 2026, Free Cash Flow rose 28.2% year-over-year to -$135.3 million; the TTM figure through Mar 2026 stood at $435.3 million (up 142.99% YoY), while the FY2025 annual figure was $382.2 million, up 142.36% from the prior year.
- Free Cash Flow declined to -$135.3 million in Q1 2026, from $685.0 million in the prior quarter.
- Over the last five years, Free Cash Flow for OPFI reached as high as $685.0 million in Q4 2025 and fell as low as -$1.1 billion in Q4 2024.
- The 5-year median for Free Cash Flow is -$78.1 million (2024), against an average of -$79.4 million.
- The widest YoY moves for Free Cash Flow: up 1313.77% in 2022, down 1635.13% in 2022.
- A 5-year view of Free Cash Flow shows it stood at $614.2 million in 2022, then tumbled by 197.43% to -$598.5 million in 2023, then sank by 87.64% to -$1.1 billion in 2024, then surged by 161.0% to $685.0 million in 2025, then sank by 119.75% to -$135.3 million in 2026.
- According to Business Quant data, Free Cash Flow over the past three periods registered -$135.3 million, $685.0 million, and -$114.4 million for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 2.63 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 2.82 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 2.66 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 903.00 Mn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 22.68 Bn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -2.38 Bn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 1.37 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 268.90 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 66.48 Mn |
| 10 | OppFi | - | - | 76.91 Mn | -135.31 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -135.31 Mn |
| Mar 31, 2026 | -135.31 Mn |
| Dec 31, 2025 | 684.98 Mn |
| Dec 31, 2025 | 684.98 Mn |
| Sep 30, 2025 | -114.41 Mn |
| Sep 30, 2025 | -114.41 Mn |
| Jun 30, 2025 | 59,000.00 |
| Jun 30, 2025 | 59,000.00 |
| Mar 31, 2025 | -188.44 Mn |
| Mar 31, 2025 | -188.44 Mn |
| Dec 31, 2024 | -1.12 Bn |
| Dec 31, 2024 | -1.12 Bn |
| Sep 30, 2024 | 73.68 Mn |
| Sep 30, 2024 | 73.68 Mn |
| Jun 30, 2024 | 225.13 Mn |
| Jun 30, 2024 | 225.13 Mn |
| Mar 31, 2024 | -78.12 Mn |
| Mar 31, 2024 | -78.12 Mn |
| Dec 31, 2023 | -598.46 Mn |
| Dec 31, 2023 | -598.46 Mn |