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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

OppFi (OPFI) Gross Margin (2020 - 2026)

OppFi has reported Gross Margin over the past 6 years, most recently at 83.41% for Q4 2025.

  • Quarterly Gross Margin fell 11.0% to 83.41% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 86.65% through Dec 2025, up 196.0% year-over-year, with the annual reading at 86.65% for FY2025, 196.0% up from the prior year.
  • Gross Margin was 83.41% for Q4 2025 at OppFi, down from 86.12% in the prior quarter.
  • Over five years, Gross Margin peaked at 88.67% in Q1 2025 and troughed at 70.72% in Q2 2022.
  • The 5-year median for Gross Margin is 82.48% (2021), against an average of 81.23%.
  • Year-over-year, Gross Margin crashed -1654bps in 2021 and then soared 1132bps in 2023.
  • A 5-year view of Gross Margin shows it stood at 70.98% in 2021, then rose by 5bps to 74.27% in 2022, then grew by 9bps to 80.9% in 2023, then rose by 3bps to 83.52% in 2024, then dropped by 0bps to 83.41% in 2025.
  • Per Business Quant, the three most recent readings for OPFI's Gross Margin are 83.41% (Q4 2025), 86.12% (Q3 2025), and 88.14% (Q2 2025).