OppFi (OPFI) Return on Assets [ROA] (2021 - 2026)
OppFi (OPFI) recorded Return on Assets [ROA] of 24.69% in Q2 2026, up 12.83 percentage points from 11.86% a year earlier and up 0.28 percentage points from the prior quarter.
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Analysis
OppFi (OPFI) Return on Assets [ROA] (2021 - 2026) Analysis & Trends
For FY2025, OppFi reported Return on Assets [ROA] of 20.96%, up 7.47 percentage points from FY2024.
- Annual Return on Assets [ROA] has increased for three straight years, though with a four-year change of -1.83 percentage points (FY2021 to FY2025).
- Across earlier years, Return on Assets [ROA] came in at 13.49% in FY2024 (+6.81 pp), 6.68% in FY2023 (+6.07 pp), 0.62% in FY2022 (-22.17 pp) and 22.79% in FY2021.
- The Q2 2026 figure is the highest quarterly Return on Assets [ROA] since Q3 2021.
- On a year-over-year basis, Return on Assets [ROA] has increased for 12 consecutive quarters, with an average year-over-year change of +7.10 percentage points over the last eight quarters.
- Peak year-over-year performance for Return on Assets [ROA] in the last five years was a gain of 12.83 percentage points in Q2 2026, against a drop of 21.57 percentage points in Q3 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 24.41% (Q1 2026), 19.83% (Q4 2025) and 17.47% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 44.05 Bn | 29.73 Bn | - | 0.78% |
| 2 | Orix | 40.96 Bn | 10.18 Bn | 12.74 Bn | 3.64% |
| 3 | Royalty Pharma | 36.72 Bn | 36.63 Bn | - | 6.81% |
| 4 | Affirm Holdings | 23.63 Bn | 17.32 Bn | - | 13.34% |
| 5 | Federal National Mortgage Association Fannie Mae | 23.47 Bn | 23.47 Bn | - | 0.35% |
| 6 | Synchrony Financial | 22.90 Bn | -44.72 Bn | - | 2.73% |
| 7 | Royal Gold | 19.26 Bn | 18.48 Bn | 390.45 Mn | 7.87% |
| 8 | Annaly Capital Management | 13.77 Bn | 4.86 Bn | - | 2.11% |
| 9 | Ares Capital | 13.38 Bn | 10.82 Bn | - | - |
| 10 | OppFi | 365.92 Mn | 5.70 Mn | - | 24.69% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 24.69% |
| Mar 31, 2026 | 24.41% |
| Dec 31, 2025 | 19.83% |
| Sep 30, 2025 | 17.47% |
| Jun 30, 2025 | 11.86% |
| Mar 31, 2025 | 14.69% |
| Dec 31, 2024 | 13.30% |
| Sep 30, 2024 | 12.04% |
| Jun 30, 2024 | 9.73% |
| Mar 31, 2024 | 7.84% |
| Dec 31, 2023 | 6.57% |
| Sep 30, 2023 | 5.49% |
| Jun 30, 2023 | 2.84% |
| Mar 31, 2023 | 1.33% |
| Dec 31, 2022 | 0.58% |
| Sep 30, 2022 | 4.42% |
| Jun 30, 2022 | 10.38% |
| Mar 31, 2022 | 12.83% |
| Dec 31, 2021 | 19.05% |
| Sep 30, 2021 | 25.98% |
API Access
OppFi Return on Assets [ROA] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-assets-%5Broa%5D&ticker=OPFI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "ticker": "OPFI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-assets-%5Broa%5D&ticker=OPFI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();