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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) Net Margin (2020 - 2026)

OppFi has reported Net Margin over the past 6 years, most recently at 44.9% for Q4 2025.

  • Quarterly Net Margin rose 2764.0% to 44.9% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 38.36% through Dec 2025, up 1230.0% year-over-year, with the annual reading at 38.37% for FY2025, 1229.0% up from the prior year.
  • Net Margin was 44.9% for Q4 2025 at OppFi, down from 72.64% in the prior quarter.
  • Over five years, Net Margin peaked at 72.64% in Q3 2025 and troughed at 10.53% in Q4 2022.
  • The 5-year median for Net Margin is 21.46% (2023), against an average of 22.21%.
  • Year-over-year, Net Margin crashed -4283bps in 2022 and then soared 3748bps in 2025.
  • A 5-year view of Net Margin shows it stood at 27.51% in 2021, then tumbled by -138bps to 10.53% in 2022, then surged by 128bps to 2.95% in 2023, then soared by 485bps to 17.26% in 2024, then skyrocketed by 160bps to 44.9% in 2025.
  • Per Business Quant, the three most recent readings for OPFI's Net Margin are 44.9% (Q4 2025), 72.64% (Q3 2025), and 11.47% (Q2 2025).