OppFi (OPFI) Times Interest Earned (2020 - 2026)
OppFi (OPFI) reported Times Interest Earned of $4.16 for Q1 2026, little changed year-over-year from $4.15 in Q1 2025, and up 26.3% quarter-over-quarter from $3.29 in Q4 2025.
OppFi (OPFI) Times Interest Earned (2020 - 2026) Analysis & Trends
OppFi (OPFI) has 7 years of Times Interest Earned data on file, last reported at $4.16 in Q1 2026.
- Times Interest Earned for Q1 2026 came in at $4.16, changed 0.21% year-over-year; the trailing twelve-month figure through Mar 2026 was $4.24 (up 40.08% YoY), and the FY2025 annual result was $4.23, up 100.23% from the prior year.
- Times Interest Earned advanced to $4.16 in Q1 2026 per OPFI's latest filing, from $3.29 in the prior quarter.
- Over five years, Times Interest Earned peaked at $4.81 in Q3 2025 and troughed at -$0.9 in Q4 2022.
- A 5-year average of $1.94 and a median of $1.63 in 2023 frame the typical range for Times Interest Earned.
- The sharpest annual moves came in 2022 and 2023: Times Interest Earned tumbled 281.69% in 2022, then soared 1310.92% in 2023.
- A 5-year view of Times Interest Earned shows it stood at -$0.9 in 2022, then surged by 180.61% to $0.72 in 2023, then jumped by 210.04% to $2.24 in 2024, then soared by 47.07% to $3.29 in 2025, then climbed by 26.3% to $4.16 in 2026.
- Business Quant data shows OPFI's Times Interest Earned at $4.16 in Q1 2026, $3.29 in Q4 2025, and $4.81 in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 40.64 |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 26.52 |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 1.80 |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 1.66 |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | - |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 2.08 |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 0.78 |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 0.12 |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.49 |
| 10 | OppFi | 222.53 Mn | 425.99 Mn | 76.91 Mn | 4.16 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 4.16 |
| Dec 31, 2025 | 3.29 |
| Sep 30, 2025 | 4.81 |
| Jun 30, 2025 | 4.65 |
| Mar 31, 2025 | 4.15 |
| Dec 31, 2024 | 2.24 |
| Sep 30, 2024 | 3.11 |
| Jun 30, 2024 | 2.69 |
| Mar 31, 2024 | 0.46 |
| Dec 31, 2023 | 0.72 |
| Sep 30, 2023 | 1.29 |
| Jun 30, 2023 | 1.63 |
| Mar 31, 2023 | 0.33 |
| Dec 31, 2022 | -0.90 |
| Sep 30, 2022 | -0.11 |
| Jun 30, 2022 | 0.81 |
| Mar 31, 2022 | -0.29 |
| Dec 31, 2021 | 0.49 |
| Mar 31, 2021 | 177.99 |
| Dec 31, 2020 | -1.36 |