OppFi (OPFI) Interest Coverage Ratio (2020 - 2026)
OppFi (OPFI) posted quarterly Interest Coverage Ratio of 4.33 for Q1 2026, down 6.15% year-over-year from 4.62 in Q1 2025, and up 22.08% quarter-over-quarter from 3.55 in Q4 2025.
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Analysis
OppFi (OPFI) Interest Coverage Ratio (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported Interest Coverage Ratio for 7 consecutive years, with 4.33 the latest figure, recorded in Q1 2026.
- In Q1 2026, Interest Coverage Ratio fell 6.15% year-over-year to 4.33; the TTM figure through Mar 2026 stood at 4.34 (up 35.05% YoY), while the FY2025 annual figure was 4.6, up 107.35% from the prior year.
- Interest Coverage Ratio grew to 4.33 in Q1 2026 per OPFI's latest filing, from 3.55 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 9.4 in Q3 2025 and bottomed at 0.32 in Q1 2022.
- Historically, Interest Coverage Ratio has averaged 2.96 across 5 years, with a median of 2.84 in 2024.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio plunged 106.29% — and 2023, when it soared 3346.02%.
- OppFi's Interest Coverage Ratio stood at 0.47 in 2022, then jumped by 62.41% to 0.76 in 2023, then jumped by 203.87% to 2.31 in 2024, then jumped by 53.59% to 3.55 in 2025, then rose by 22.08% to 4.33 in 2026.
- Business Quant data shows OPFI's Interest Coverage Ratio at 4.33 in Q1 2026, 3.55 in Q4 2025, and 9.4 in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | OppFi | 477.32 Mn | 385.47 Mn | 74.77 Mn | 3.00 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 3.00 |
| Mar 31, 2026 | 4.16 |
| Dec 31, 2025 | 3.29 |
| Sep 30, 2025 | 4.81 |
| Jun 30, 2025 | 4.65 |
| Mar 31, 2025 | 4.15 |
| Dec 31, 2024 | 2.24 |
| Sep 30, 2024 | 3.11 |
| Jun 30, 2024 | 2.69 |
| Mar 31, 2024 | 0.46 |
| Dec 31, 2023 | 0.72 |
| Sep 30, 2023 | 1.29 |
| Jun 30, 2023 | 1.63 |
| Mar 31, 2023 | 0.33 |
| Dec 31, 2022 | -0.90 |
| Sep 30, 2022 | -0.11 |
| Jun 30, 2022 | 0.81 |
| Mar 31, 2022 | -0.29 |
| Dec 31, 2021 | 0.49 |
| Sep 30, 2021 | 1.79 |