OppFi (OPFI) Net Margin (2020 - 2026)
OppFi (OPFI) posted quarterly Net Margin of 61.87% for Q1 2026, up 3951.0% year-over-year from 1.53% in Q1 2025, and up 37.69% quarter-over-quarter from 44.93% in Q4 2025.
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Analysis
OppFi (OPFI) Net Margin (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported Net Margin for 7 consecutive years, with 61.87% the latest figure, recorded in Q1 2026.
- In Q1 2026, Net Margin rose 3951.0% year-over-year to 61.87%; the TTM figure through Mar 2026 stood at 47.63% (up 2069.0% YoY), while the FY2025 annual figure was 38.37%, up 1229.0% from the prior year.
- Net Margin grew to 61.87% in Q1 2026 per OPFI's latest filing, from 44.93% in the prior quarter.
- Across five years, Net Margin topped out at 72.62% in Q3 2025 and bottomed at 10.66% in Q4 2022.
- Historically, Net Margin has averaged 21.79% across 5 years, with a median of 17.26% in 2024.
- Annual changes were most pronounced in 2022 — Net Margin sank 4292 bps — and 2026, when it soared 3951 bps.
- OppFi's Net Margin stood at 10.66% in 2022, then soared by 128 bps to 2.95% in 2023, then jumped by 485 bps to 17.26% in 2024, then soared by 160 bps to 44.93% in 2025, then soared by 38 bps to 61.87% in 2026.
- Business Quant data shows OPFI's Net Margin at 61.87% in Q1 2026, 44.93% in Q4 2025, and 72.62% in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 48.38% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 47.30% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 18.52% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 12.72% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 138.65% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 17.93% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 12.85% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 16.05% |
| 10 | OppFi | 477.32 Mn | 385.47 Mn | 74.77 Mn | 18.17% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 18.17% |
| Mar 31, 2026 | 61.87% |
| Dec 31, 2025 | 44.93% |
| Sep 30, 2025 | 72.64% |
| Jun 30, 2025 | 11.45% |
| Mar 31, 2025 | 22.40% |
| Dec 31, 2024 | 17.26% |
| Sep 30, 2024 | 35.21% |
| Jun 30, 2024 | 32.09% |
| Mar 31, 2024 | 16.03% |
| Dec 31, 2023 | 2.96% |
| Sep 30, 2023 | 20.48% |
| Jun 30, 2023 | 24.27% |
| Mar 31, 2023 | 6.91% |
| Dec 31, 2022 | -10.53% |
| Sep 30, 2022 | -1.17% |
| Jun 30, 2022 | 14.58% |
| Mar 31, 2022 | -0.59% |
| Dec 31, 2021 | 27.52% |
| Sep 30, 2021 | 41.69% |