OppFi (OPFI) Operating Expenses (2020 - 2026)
OppFi (OPFI) posted quarterly Operating Expenses of $51.9 million for Q1 2026, up 7.49% year-over-year from $48.3 million in Q1 2025, and down 4.94% quarter-over-quarter from $54.6 million in Q4 2025.
Analysis
OppFi (OPFI) Operating Expenses (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported Operating Expenses for 7 consecutive years, with $51.9 million the latest figure, recorded in Q1 2026.
- In Q1 2026, Operating Expenses rose 7.49% year-over-year to $51.9 million; the TTM figure through Mar 2026 stood at $218.1 million (changed 0.36% YoY), while the FY2025 annual figure was $214.5 million, down 5.48% from the prior year.
- Operating Expenses declined to $51.9 million in Q1 2026 per OPFI's latest filing, from $54.6 million in the prior quarter.
- Across five years, Operating Expenses topped out at $60.1 million in Q3 2023 and bottomed at $48.3 million in Q1 2025.
- Historically, Operating Expenses has averaged $55.5 million across 5 years, with a median of $56.1 million in 2025.
- Annual changes were most pronounced in 2022 — Operating Expenses surged 41.12% — and 2025, when it decreased 16.59%.
- OppFi's Operating Expenses stood at $58.1 million in 2022, then slipped by 1.77% to $57.0 million in 2023, then fell by 1.57% to $56.1 million in 2024, then decreased by 2.69% to $54.6 million in 2025, then fell by 4.94% to $51.9 million in 2026.
- Business Quant data shows OPFI's Operating Expenses at $51.9 million in Q1 2026, $54.6 million in Q4 2025, and $56.1 million in Q3 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Opex (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 4.76 Bn |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 3.69 Bn |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 14.48 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 9.04 Bn |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 7.26 Bn |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.02 Bn |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 1.33 Bn |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 1.00 Bn |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 1.32 Bn |
| 10 | OppFi | 477.32 Mn | 385.47 Mn | 74.77 Mn | 61.82 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 61.82 Mn |
| Mar 31, 2026 | 51.94 Mn |
| Dec 31, 2025 | 54.64 Mn |
| Sep 30, 2025 | 56.11 Mn |
| Jun 30, 2025 | 55.44 Mn |
| Mar 31, 2025 | 48.32 Mn |
| Dec 31, 2024 | 56.15 Mn |
| Sep 30, 2024 | 56.07 Mn |
| Jun 30, 2024 | 56.79 Mn |
| Mar 31, 2024 | 57.93 Mn |
| Dec 31, 2023 | 57.04 Mn |
| Sep 30, 2023 | 60.09 Mn |
| Jun 30, 2023 | 56.24 Mn |
| Mar 31, 2023 | 53.46 Mn |
| Dec 31, 2022 | 58.07 Mn |
| Sep 30, 2022 | 53.60 Mn |
| Jun 30, 2022 | 58.75 Mn |
| Mar 31, 2022 | 52.89 Mn |
| Dec 31, 2021 | 58.51 Mn |
| Sep 30, 2021 | 61.38 Mn |