OppFi (OPFI) Retained Earnings (2020 - 2026)
OppFi's (OPFI) quarterly Retained Earnings came in at $437.2 million in Q2 2026, up 294.32% year-over-year from $110.9 million in Q2 2025, and up 289.36% quarter-over-quarter from $112.3 million in Q1 2026.
Analysis
OppFi (OPFI) Retained Earnings (2020 - 2026) Analysis & Trends
OppFi (OPFI) has reported Retained Earnings for 7 consecutive years, with $437.2 million the latest figure, recorded in Q2 2026.
- On a quarterly basis, Retained Earnings rose 294.32% year-over-year to $437.2 million in Q2 2026; TTM through Jun 2026 was $437.2 million, a 294.32% increase from a year earlier, with the FY2025 full-year figure at $113.5 million, up 20.88% from the prior year.
- Retained Earnings was $437.2 million for Q2 2026 at OppFi, up from $112.3 million in the prior quarter.
- Over five years, Retained Earnings peaked at $437.2 million in Q2 2026 and troughed at -$70.7 million in Q1 2022.
- A 5-year average of $82.3 million and a median of $79.8 million in 2024 frame the typical range for Retained Earnings.
- Across the five-year window, Retained Earnings slumped 538.42% in 2022 and soared 294.32% in 2026, its largest moves.
- Over 5 years, Retained Earnings stood at $65.5 million in 2022, then gained by 16.76% to $76.5 million in 2023, then advanced by 22.78% to $93.9 million in 2024, then gained by 20.88% to $113.5 million in 2025, then surged by 285.2% to $437.2 million in 2026.
- The last three Retained Earnings figures came in at $437.2 million (Q2 2026), $112.3 million (Q1 2026), and $113.5 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 44.18 Bn | 44.51 Bn | 4.68 Bn | 4.14 Bn |
| 2 | Royalty Pharma | 33.59 Bn | 35.70 Bn | - | 4.38 Bn |
| 3 | Royal Gold | 21.14 Bn | 21.00 Bn | 390.45 Mn | 5.92 Bn |
| 4 | OR Royalties | 6.88 Bn | 6.81 Bn | 82.22 Mn | -115.17 Mn |
| 5 | Encore Capital | 2.11 Bn | 1.93 Bn | 455.04 Mn | 1.21 Bn |
| 6 | Atlanticus Holdings | 1.41 Bn | 851.50 Mn | 686.46 Mn | 595.70 Mn |
| 7 | Jefferson Capital | 1.18 Bn | 1.16 Bn | - | 513.06 Mn |
| 8 | Lufax Holding | 1.04 Bn | -1.23 Bn | - | 8.20 Bn |
| 9 | Upbound | 998.67 Mn | 893.37 Mn | 594.84 Mn | 1.03 Bn |
| 10 | OppFi | 442.88 Mn | 351.04 Mn | 74.77 Mn | 437.24 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 437.24 Mn |
| Mar 31, 2026 | 112.30 Mn |
| Dec 31, 2025 | 113.51 Mn |
| Sep 30, 2025 | 112.57 Mn |
| Jun 30, 2025 | 110.88 Mn |
| Mar 31, 2025 | 100.72 Mn |
| Dec 31, 2024 | 93.90 Mn |
| Sep 30, 2024 | 91.53 Mn |
| Jun 30, 2024 | 80.95 Mn |
| Mar 31, 2024 | 78.67 Mn |
| Dec 31, 2023 | 76.48 Mn |
| Sep 30, 2023 | 72.38 Mn |
| Jun 30, 2023 | 70.89 Mn |
| Mar 31, 2023 | 67.18 Mn |
| Dec 31, 2022 | 65.50 Mn |
| Sep 30, 2022 | -66.68 Mn |
| Jun 30, 2022 | -66.16 Mn |
| Mar 31, 2022 | -70.69 Mn |
| Dec 31, 2021 | -70.72 Mn |
| Sep 30, 2021 | -82.18 Mn |