OppFi (OPFI) Gross Margin (2020 - 2026)

OppFi (OPFI) has reported Gross Margin for 7 consecutive years, with 88.1% the latest figure, recorded in Q1 2026.

• In Q1 2026, Gross Margin fell 57.0% year-over-year to 88.1%; the TTM figure through Mar 2026 stood at 86.5% (up 82.0% YoY), while the FY2025 annual figure was 86.65%, up 196.0% from the prior year.
• Gross Margin advanced to 88.1% in Q1 2026 per OPFI's latest filing, from 83.41% in the prior quarter.
• Across five years, Gross Margin topped out at 88.67% in Q1 2025 and bottomed at 70.72% in Q2 2022.
• Historically, Gross Margin has averaged 81.9% across 5 years, with a median of 83.41% in 2025.
• Annual changes were most pronounced in 2022 — Gross Margin tumbled 1528 bps — and 2023, when it soared 1132 bps.
• OppFi's Gross Margin stood at 74.27% in 2022, then advanced by 9 bps to 80.9% in 2023, then gained by 3 bps to 83.52% in 2024, then decreased by 0 bps to 83.41% in 2025, then grew by 6 bps to 88.1% in 2026.
• Business Quant data shows OPFI's Gross Margin at 88.1% in Q1 2026, 83.41% in Q4 2025, and 86.12% in Q3 2025.