OppFi reported a gross margin of 86.77% and a net margin of 18.17% for the quarter ended Jun 2026. These financial ratios cover 24 quarters of results from Sep 2020 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||
| Gross Margin | 78.63% | 70.98% | 72.62% | 70.72% | 75.56% | 74.27% | 81.59% | 82.03% | 81.40% | 80.90% | 84.95% | 85.16% | 85.11% | 83.52% | 88.67% | 88.14% | 86.12% | 83.41% | 88.10% | 86.77% | ||||
| EBT Margin | 42.66% | 26.89% | 0.48% | 14.89% | 0.76% | -14.86% | 7.17% | 25.21% | 21.15% | 4.52% | 16.67% | 33.15% | 37.73% | 18.01% | 24.27% | 12.67% | 78.04% | 46.52% | 66.45% | 29.59% | ||||
| EBIT Margin | 15.79% | 5.45% | -4.26% | 9.83% | -1.84% | -19.84% | 6.52% | 24.58% | 20.59% | 13.25% | 8.36% | 34.18% | 38.49% | 30.53% | 46.79% | 44.70% | 46.33% | 36.15% | 40.51% | 28.26% | ||||
| EBITDA Margin | 15.79% | 5.45% | -4.26% | 9.83% | -1.84% | -19.84% | 6.52% | 24.58% | 20.59% | 13.25% | 8.36% | 34.18% | 38.49% | 30.53% | 46.79% | 44.70% | 46.33% | 36.15% | 40.51% | 28.26% | ||||
| Operating Margin | 15.79% | 5.45% | -4.26% | 9.83% | -1.84% | -19.84% | 6.52% | 24.58% | 20.59% | 13.25% | 8.36% | 34.18% | 38.49% | 30.53% | 46.79% | 44.70% | 46.33% | 36.15% | 40.51% | 28.26% | ||||
| Net Margin | 41.69% | 27.52% | -0.59% | 14.58% | -1.17% | -10.53% | 6.91% | 24.27% | 20.48% | 2.96% | 16.03% | 32.09% | 35.21% | 17.26% | 22.40% | 11.45% | 72.64% | 44.93% | 61.87% | 18.17% | ||||
| FCF Margin | -163.43% | -222.26% | -221.07% | -237.88% | -222.42% | -228.96% | -157.14% | -158.59% | -156.73% | -910.19% | -123.58% | -124.06% | -136.00% | -733.89% | -207.51% | -230.81% | 111.93% | -670.63% | -155.00% | -275.42% | ||||
| Efficiency | ||||||||||||||||||||||||
| Assets AverageAssets Avg. | 342.23M | 471.38M | 507.33M | 545.31M | 579.02M | 579.90M | 569.94M | 568.71M | 588.99M | 601.07M | 582.37M | 568.15M | 596.18M | 630.22M | 640.62M | 656.72M | 697.00M | 737.35M | 737.04M | 745.36M | ||||
| Invested CapitalInvested Cap. | 344.38M | 409.46M | 418.28M | 496.74M | 503.82M | 503.84M | 494.87M | 508.87M | 532.00M | 526.70M | 497.59M | 503.46M | 545.86M | 552.97M | 524.76M | 523.60M | 598.10M | 630.23M | 627.24M | 690.71M | ||||
| Asset Utilization RatioAsset Util. | 0.78 | 0.56 | 0.50 | 0.46 | 0.40 | 0.37 | 0.39 | 0.41 | 0.43 | 0.45 | 0.48 | 0.51 | 0.51 | 0.51 | 0.54 | 0.55 | 0.54 | 0.52 | 0.51 | 0.49 | ||||
| Leverage & Solvency | ||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 1.79 | 0.49 | -0.29 | 0.81 | -0.11 | -0.90 | 0.33 | 1.63 | 1.29 | 0.72 | 0.46 | 2.69 | 3.11 | 2.24 | 4.15 | 4.65 | 4.81 | 3.29 | 4.16 | 3.00 | ||||
| Debt Ratio | 0.47 | 0.50 | 0.51 | 0.57 | 0.58 | 0.59 | 0.59 | 0.57 | 0.57 | 0.55 | 0.53 | 0.53 | 0.53 | 0.50 | 0.45 | 0.45 | 0.45 | 0.43 | 0.39 | 0.36 | ||||
| Times Interest Earned | 1.79 | 0.49 | -0.29 | 0.81 | -0.11 | -0.90 | 0.33 | 1.63 | 1.29 | 0.72 | 0.46 | 2.69 | 3.11 | 2.24 | 4.15 | 4.65 | 4.81 | 3.29 | 4.16 | 3.00 | ||||
| Dividends & Payouts | ||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | 1.79 | 0.00M | -0.51 | 16.49 | -4.05 | 850.00 | 790.80 | 2.41 | 5.68 | -194.40 | 1.21 | 11.66 | 2.39 | 40.91 | 1.81 | 0.31 | 7.31 | 160.18 | 5.21 | 1.26 | ||||
| FCF Payout RatioFCF Cover | -0.14 | 0.00 | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | -0.06 | -0.02 | 0.00 | -0.11 | -0.02 | -0.11 | 0.00 | -0.06 | -0.16 | 0.09 | 0.00 | -0.08 | -0.05 | ||||
| Dividend YieldDiv. Yield | 2.01% | 0.00% | 0.16% | 0.16% | 0.06% | 0.00% | 0.02% | 23.53% | 6.46% | -0.01% | 17.44% | 3.56% | 14.05% | 0.22% | 5.11% | 9.83% | 3.26% | 0.09% | 5.02% | 1.86% | ||||
| Payout Ratio | 0.56 | 0.00 | -1.98 | 0.06 | -0.25 | 0.00 | 0.00 | 0.41 | 0.18 | -0.01 | 0.83 | 0.09 | 0.42 | 0.02 | 0.55 | 3.19 | 0.14 | 0.01 | 0.19 | 0.79 | ||||
| Valuation | ||||||||||||||||||||||||
| Price to EarningsP/E | 27.80 | 28.65 | -0.00M | 37.23 | -401.94 | -43.20 | 7.80 | 1.76 | 2.73 | 43.17 | 4.74 | 2.41 | 2.98 | 11.06 | 10.83 | 32.43 | 4.20 | 7.21 | 3.82 | 42.82 | ||||
| Price to SalesP/S | 11.59 | 7.88 | 7.27 | 5.43 | 4.70 | 4.55 | 0.54 | 0.43 | 0.56 | 1.28 | 0.76 | 0.77 | 1.05 | 1.91 | 2.43 | 3.71 | 3.05 | 3.24 | 2.37 | 7.78 | ||||
| Price to BookP/B | 6.10 | 3.09 | 2.35 | 2.14 | 1.49 | 1.38 | 0.19 | 0.18 | 0.22 | 0.43 | 0.24 | 0.33 | 0.43 | 0.66 | 0.93 | 1.71 | 1.15 | 0.90 | 0.60 | 1.62 | ||||
| Enterprise Value | 949.54M | 592.49M | 474.03M | 465.43M | 365.42M | 330.30M | 122.14M | 139.32M | 154.66M | 193.57M | 138.41M | 168.93M | 206.96M | 267.47M | 343.78M | 498.37M | 471.73M | 434.39M | 373.87M | 578.56M | ||||
| EV to EBIT | 82.48 | 175.61 | -219.36 | 72.70 | -377.11 | -34.36 | 32.74 | 7.60 | 9.93 | 22.22 | 26.19 | 5.73 | 5.90 | 10.84 | 8.09 | 11.12 | 9.74 | 14.04 | 10.57 | 23.76 | ||||
| EV to EBITDA | 82.48 | 175.61 | -219.36 | 72.70 | -377.11 | -34.36 | 32.74 | 7.60 | 9.93 | 22.22 | 26.19 | 5.73 | 5.90 | 10.84 | 8.09 | 11.12 | 9.74 | 14.04 | 10.57 | 23.76 | ||||
| Market Capitalization | 844.75M | 487.94M | 368.64M | 353.59M | 247.19M | 220.32M | 30.83M | 31.89M | 42.27M | 83.92M | 48.01M | 66.70M | 95.77M | 154.32M | 220.33M | 372.28M | 319.09M | 277.26M | 206.46M | 670.40M | ||||
| Price to FCFP/FCF | -7.09 | -3.55 | -3.29 | -2.28 | -2.11 | -1.99 | -0.34 | -0.27 | -0.36 | -0.14 | -0.61 | -0.62 | -0.77 | -0.26 | -1.17 | -1.61 | 2.73 | -0.48 | -1.53 | -2.82 | ||||
| EV to FCF | -7.97 | -4.31 | -4.23 | -3.00 | -3.12 | -2.98 | -1.36 | -1.18 | -1.30 | -0.32 | -1.77 | -1.58 | -1.67 | -0.45 | -1.82 | -2.15 | 4.03 | -0.76 | -2.76 | -2.44 | ||||
| EV to CFO | 26.94 | 12.54 | 10.60 | 8.02 | 5.26 | 4.65 | 1.86 | 1.91 | 2.06 | 2.34 | 1.86 | 2.19 | 2.67 | 2.83 | 4.11 | 5.21 | 4.49 | 3.72 | 4.12 | 6.29 | ||||
| Return Ratios | ||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 15.79% | 5.45% | -4.26% | 9.83% | -1.84% | -19.84% | 6.52% | 24.58% | 20.59% | 13.25% | 8.36% | 34.18% | 38.49% | 30.53% | 46.79% | 44.70% | 46.33% | 36.15% | 40.51% | 28.26% | ||||
| Return on Capital Employed [ROCE]ROCE | ||||||||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 15.14% | 7.33% | 4.10% | 1.26% | -1.40% | -0.10% | 2.32% | 5.51% | 8.26% | 8.84% | 11.22% | 14.07% | 16.38% | 23.09% | 26.10% | 26.60% | 25.41% | 23.76% | 18.96% | |||||
| Return on Assets [ROA]ROA | 25.98% | 19.05% | 12.83% | 10.38% | 4.42% | 0.60% | 1.36% | 2.87% | 5.51% | 6.57% | 7.84% | 9.73% | 12.05% | 13.31% | 14.69% | 11.86% | 17.46% | 19.83% | 24.41% | 24.69% |