OppFi (OPFI) Net Income (2020 - 2026)
OppFi (OPFI) posted quarterly Net Income of $54.0 million for Q1 2026, up 166.05% year-over-year from $20.3 million in Q1 2025, and up 40.48% quarter-over-quarter from $38.4 million in Q4 2025.
OppFi (OPFI) Net Income (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported Net Income for 7 consecutive years, with $54.0 million the latest figure, recorded in Q1 2026.
- In Q1 2026, Net Income rose 166.05% year-over-year to $54.0 million; the TTM figure through Mar 2026 stood at $179.9 million (up 91.29% YoY), while the FY2025 annual figure was $146.2 million, up 74.44% from the prior year.
- Net Income advanced to $54.0 million in Q1 2026 per OPFI's latest filing, from $38.4 million in the prior quarter.
- Across five years, Net Income topped out at $75.9 million in Q3 2025 and bottomed at -$5.2 million in Q4 2022.
- Historically, Net Income has averaged $19.2 million across 5 years, with a median of $14.0 million in 2024.
- Annual changes were most pronounced in 2022 — Net Income tumbled 130.32% — and 2023, when it soared 2499.38%.
- OppFi's Net Income stood at -$5.2 million in 2022, then soared by 137.57% to $1.9 million in 2023, then surged by 618.8% to $14.0 million in 2024, then soared by 175.57% to $38.4 million in 2025, then soared by 40.48% to $54.0 million in 2026.
- Business Quant data shows OPFI's Net Income at $54.0 million in Q1 2026, $38.4 million in Q4 2025, and $75.9 million in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Income (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 5.63 Bn |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 4.39 Bn |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 3.11 Bn |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | - |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.10 Bn |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 885.00 Mn |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 102.90 Mn |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 166.73 Mn |
| 10 | OppFi | 261.63 Mn | 161.71 Mn | 76.91 Mn | 54.01 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 54.01 Mn |
| Dec 31, 2025 | 38.45 Mn |
| Sep 30, 2025 | 75.93 Mn |
| Jun 30, 2025 | 11.48 Mn |
| Mar 31, 2025 | 20.30 Mn |
| Dec 31, 2024 | 13.95 Mn |
| Sep 30, 2024 | 32.10 Mn |
| Jun 30, 2024 | 27.68 Mn |
| Mar 31, 2024 | 10.10 Mn |
| Dec 31, 2023 | 1.94 Mn |
| Sep 30, 2023 | 15.50 Mn |
| Jun 30, 2023 | 18.08 Mn |
| Mar 31, 2023 | 3.98 Mn |
| Dec 31, 2022 | -5.17 Mn |
| Sep 30, 2022 | -646,000.00 |
| Jun 30, 2022 | 9.50 Mn |
| Mar 31, 2022 | -297,000.00 |
| Dec 31, 2021 | 17.04 Mn |
| Sep 30, 2021 | 30.39 Mn |
| Jun 30, 2021 | 17.99 Mn |