OppFi (OPFI) Operating Income (2020 - 2026)
OppFi's (OPFI) quarterly Operating Income came in at $24.4 million in Q2 2026, down 45.65% year-over-year from $44.8 million in Q2 2025, and down 31.13% quarter-over-quarter from $35.4 million in Q1 2026.
Analysis
OppFi (OPFI) Operating Income (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported Operating Income for 7 consecutive years, with $24.4 million the latest figure, recorded in Q2 2026.
- On a quarterly basis, Operating Income fell 45.65% year-over-year to $24.4 million in Q2 2026; TTM through Jun 2026 was $139.1 million, a 5.42% decrease from a year earlier, with the FY2025 full-year figure at $166.7 million, up 76.31% from the prior year.
- Operating Income was $24.4 million for Q2 2026 at OppFi, down from $35.4 million in the prior quarter.
- Over five years, Operating Income peaked at $48.4 million in Q3 2025 and troughed at -$9.6 million in Q4 2022.
- A 5-year average of $20.1 million and a median of $21.3 million in 2023 frame the typical range for Operating Income.
- Across the five-year window, Operating Income slumped 384.94% in 2022 and surged 1707.95% in 2023, its largest moves.
- Over 5 years, Operating Income stood at -$9.6 million in 2022, then jumped by 190.6% to $8.7 million in 2023, then soared by 183.27% to $24.7 million in 2024, then gained by 25.37% to $30.9 million in 2025, then dropped by 21.27% to $24.4 million in 2026.
- The last three Operating Income figures came in at $24.4 million (Q2 2026), $35.4 million (Q1 2026), and $30.9 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Op. Inc (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 44.18 Bn | 44.51 Bn | 4.68 Bn | 840.19 Mn |
| 2 | Royalty Pharma | 33.59 Bn | 35.70 Bn | - | 133.12 Mn |
| 3 | Royal Gold | 21.14 Bn | 21.00 Bn | 390.45 Mn | 279.94 Mn |
| 4 | OR Royalties | 6.88 Bn | 6.81 Bn | 82.22 Mn | 75.32 Mn |
| 5 | Encore Capital | 2.11 Bn | 1.93 Bn | 455.04 Mn | 186.90 Mn |
| 6 | Atlanticus Holdings | 1.41 Bn | 851.50 Mn | 686.46 Mn | 528.89 Mn |
| 7 | Jefferson Capital | 1.18 Bn | 1.16 Bn | - | 81.43 Mn |
| 8 | Lufax Holding | 1.04 Bn | -1.23 Bn | - | - |
| 9 | Upbound | 998.67 Mn | 893.37 Mn | 594.84 Mn | 54.26 Mn |
| 10 | OppFi | 442.88 Mn | 351.04 Mn | 74.77 Mn | 24.36 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 24.36 Mn |
| 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 |