OppFi (OPFI) Retained Earnings (2020 - 2026)
OppFi (OPFI) reported Retained Earnings of -$5.2 million for Q1 2026, up 92.82% year-over-year from -$2.7 million in Q1 2025, and up 84.54% quarter-over-quarter from -$33.5 million in Q4 2025.
OppFi (OPFI) Retained Earnings (2020 - 2026) Analysis & Trends
OppFi (OPFI) has 7 years of Retained Earnings data on file, last reported at -$5.2 million in Q1 2026.
- Retained Earnings for Q1 2026 came in at -$5.2 million, up 92.82% year-over-year; the trailing twelve-month figure through Mar 2026 was -$5.2 million (up 92.82% YoY), and the FY2025 annual result was -$33.5 million, up 39.22% from the prior year.
- Retained Earnings advanced to -$5.2 million in Q1 2026 per OPFI's latest filing, from -$33.5 million in the prior quarter.
- Over five years, Retained Earnings peaked at -$5.2 million in Q1 2026 and troughed at -$91.5 million in Q2 2025.
- A 5-year average of -$58.0 million and a median of -$61.0 million in 2023 frame the typical range for Retained Earnings.
- The sharpest annual moves came in 2022 and 2026: Retained Earnings tumbled 735.44% in 2022, then jumped 92.82% in 2026.
- A 5-year view of Retained Earnings shows it stood at -$63.5 million in 2022, then slipped by 0.07% to -$63.6 million in 2023, then grew by 13.31% to -$55.1 million in 2024, then jumped by 39.22% to -$33.5 million in 2025, then jumped by 84.54% to -$5.2 million in 2026.
- Business Quant data shows OPFI's Retained Earnings at -$5.2 million in Q1 2026, -$33.5 million in Q4 2025, and -$49.8 million in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 548.22 Bn | 535.81 Bn | - | 13.12 Bn |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | -928.00 Mn |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 26.09 Bn |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 66.79 Bn |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 33.45 Bn |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 25.21 Bn |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | -23.59 Mn |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | -2.74 Mn |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | -2.77 Bn |
| 10 | OppFi | 224.67 Mn | 428.13 Mn | 76.91 Mn | -5.18 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -5.18 Mn |
| Dec 31, 2025 | -33.51 Mn |
| Sep 30, 2025 | -49.80 Mn |
| Jun 30, 2025 | -91.53 Mn |
| Mar 31, 2025 | -72.17 Mn |
| Dec 31, 2024 | -55.13 Mn |
| Sep 30, 2024 | -50.64 Mn |
| Jun 30, 2024 | -57.34 Mn |
| Mar 31, 2024 | -58.04 Mn |
| Dec 31, 2023 | -63.59 Mn |
| Sep 30, 2023 | -58.52 Mn |
| Jun 30, 2023 | -60.99 Mn |
| Mar 31, 2023 | -63.29 Mn |
| Dec 31, 2022 | -63.55 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 |
| Jun 30, 2021 | -27.39 Mn |