OppFi (OPFI) Operating Income (2020 - 2026)

OppFi (OPFI) posted quarterly Operating Income of $35.4 million for Q1 2026, down 16.78% year-over-year from $42.5 million in Q1 2025, and up 14.32% quarter-over-quarter from $30.9 million in Q4 2025.

OppFi (OPFI) Operating Income (2020 - 2026) Analysis & Trends

OppFi (OPFI) has reported Operating Income for 7 consecutive years, with $35.4 million the latest figure, recorded in Q1 2026.

  • In Q1 2026, Operating Income fell 16.78% year-over-year to $35.4 million; the TTM figure through Mar 2026 stood at $159.5 million (up 21.1% YoY), while the FY2025 annual figure was $166.7 million, up 76.31% from the prior year.
  • Operating Income climbed to $35.4 million in Q1 2026 per OPFI's latest filing, from $30.9 million in the prior quarter.
  • Across five years, Operating Income topped out at $48.4 million in Q3 2025 and bottomed at -$9.6 million in Q4 2022.
  • Historically, Operating Income has averaged $19.8 million across 5 years, with a median of $18.3 million in 2023.
  • Annual changes were most pronounced in 2022 — Operating Income sank 384.94% — and 2023, when it soared 1707.95%.
  • OppFi's Operating Income stood at -$9.6 million in 2022, then soared by 190.6% to $8.7 million in 2023, then surged by 183.27% to $24.7 million in 2024, then climbed by 25.37% to $30.9 million in 2025, then grew by 14.32% to $35.4 million in 2026.
  • Business Quant data shows OPFI's Operating Income at $35.4 million in Q1 2026, $30.9 million in Q4 2025, and $48.4 million in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Op. Inc (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 6.88 Bn
2 Mastercard 506.53 Bn 493.04 Bn - 5.59 Bn
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 3.51 Bn
4 Capital One Financial 136.19 Bn 81.48 Bn - -
5 PayPal Holdings 52.34 Bn 41.08 Bn - 1.43 Bn
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - -
8 Affirm Holdings 25.93 Bn 24.20 Bn - 88.43 Mn
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn -933.54 Mn
10 OppFi 261.63 Mn 161.71 Mn 76.91 Mn 35.36 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 35.36 Mn
Dec 31, 2025 30.93 Mn
Sep 30, 2025 48.45 Mn
Jun 30, 2025 44.81 Mn
Mar 31, 2025 42.49 Mn
Dec 31, 2024 24.67 Mn
Sep 30, 2024 35.09 Mn
Jun 30, 2024 29.49 Mn
Mar 31, 2024 5.28 Mn
Dec 31, 2023 8.71 Mn
Sep 30, 2023 15.58 Mn
Jun 30, 2023 18.33 Mn
Mar 31, 2023 3.73 Mn
Dec 31, 2022 -9.61 Mn
Sep 30, 2022 -969,000.00
Jun 30, 2022 6.40 Mn
Mar 31, 2022 -2.16 Mn
Dec 31, 2021 3.37 Mn
Sep 30, 2021 11.51 Mn
Jun 30, 2021 17.99 Mn