KPIs & Operating Metrics(New)
Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
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) Operating Margin (2020 - 2025)

OppFi has reported Operating Margin over the past 6 years, most recently at 36.15% for Q4 2025.

  • Quarterly results put Operating Margin at 36.15% for Q4 2025, up 562.0% from a year ago — trailing twelve months through Dec 2025 was 43.73% (up 1432.0% YoY), and the annual figure for FY2025 was 43.73%, up 1432.0%.
  • Operating Margin for Q4 2025 was 36.15% at OppFi, down from 46.33% in the prior quarter.
  • Over the last five years, Operating Margin for OPFI hit a ceiling of 46.79% in Q1 2025 and a floor of 19.84% in Q4 2022.
  • Median Operating Margin over the past 5 years was 22.59% (2023), compared with a mean of 21.09%.
  • Biggest five-year swings in Operating Margin: crashed -4368bps in 2022 and later soared 3843bps in 2025.
  • OppFi's Operating Margin stood at 5.45% in 2021, then plummeted by -464bps to 19.84% in 2022, then skyrocketed by 167bps to 13.25% in 2023, then skyrocketed by 130bps to 30.53% in 2024, then grew by 18bps to 36.15% in 2025.
  • The last three reported values for Operating Margin were 36.15% (Q4 2025), 46.33% (Q3 2025), and 44.7% (Q2 2025) per Business Quant data.