OppFi (OPFI) Gross Margin (2020 - 2026)

OppFi has disclosed Gross Margin across 7 years of filings, most recently posting 88.1% for 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 grew to 88.1% in Q1 2026, from 83.41% in the prior quarter.
• Over the last five years, Gross Margin for OPFI reached as high as 88.67% in Q1 2025 and fell as low as 70.72% in Q2 2022.
• The 5-year median for Gross Margin is 83.41% (2025), against an average of 81.9%.
• Annual changes were most pronounced in 2022 — Gross Margin sank 1528 bps — and 2023, when it soared 1132 bps.
• A 5-year view of Gross Margin shows it stood at 74.27% in 2022, then gained by 9 bps to 80.9% in 2023, then rose by 3 bps to 83.52% in 2024, then retreated by 0 bps to 83.41% in 2025, then climbed by 6 bps to 88.1% in 2026.
• According to Business Quant data, Gross Margin over the past three periods registered 88.1%, 83.41%, and 86.12% for Q1 2026, Q4 2025, and Q3 2025 respectively.