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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 - 2025)

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

  • Quarterly results put Gross Margin at 83.41% for Q4 2025, down 11.0% from a year ago — trailing twelve months through Dec 2025 was 86.65% (up 196.0% YoY), and the annual figure for FY2025 was 86.65%, up 196.0%.
  • Gross Margin for Q4 2025 was 83.41% at OppFi, down from 86.12% in the prior quarter.
  • Over the last five years, Gross Margin for OPFI hit a ceiling of 88.67% in Q1 2025 and a floor of 70.72% in Q2 2022.
  • Median Gross Margin over the past 5 years was 82.48% (2021), compared with a mean of 81.23%.
  • Biggest five-year swings in Gross Margin: crashed -1654bps in 2021 and later soared 1132bps in 2023.
  • OppFi's Gross Margin 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.
  • The last three reported values for Gross Margin were 83.41% (Q4 2025), 86.12% (Q3 2025), and 88.14% (Q2 2025) per Business Quant data.