OppFi (OPFI) Interest Coverage Ratio (2020 - 2026)

OppFi has disclosed Interest Coverage Ratio across 7 years of filings, most recently posting 4.16 for Q1 2026.

• In Q1 2026, Interest Coverage Ratio changed 0.21% year-over-year to 4.16; the TTM figure through Mar 2026 stood at 4.24 (up 40.08% YoY), while the FY2025 annual figure was 4.23, up 100.23% from the prior year.
• Interest Coverage Ratio improved to 4.16 in Q1 2026, from 3.29 in the prior quarter.
• Over the last five years, Interest Coverage Ratio for OPFI reached as high as 4.81 in Q3 2025 and fell as low as 0.9 in Q4 2022.
• The 5-year median for Interest Coverage Ratio is 1.63 (2023), against an average of 1.94.
• Annual changes were most pronounced in 2022 — Interest Coverage Ratio sank 281.69% — and 2023, when it soared 1310.92%.
• A 5-year view of Interest Coverage Ratio shows it stood at 0.9 in 2022, then surged by 180.61% to 0.72 in 2023, then jumped by 210.04% to 2.24 in 2024, then soared by 47.07% to 3.29 in 2025, then climbed by 26.3% to 4.16 in 2026.
• According to Business Quant data, Interest Coverage Ratio over the past three periods registered 4.16, 3.29, and 4.81 for Q1 2026, Q4 2025, and Q3 2025 respectively.