OppFi Ratios (2020-2025) | OPFI

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Ratios	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
Gross Margin (Quarter)	95.16%	79.47%	87.90%	82.94%	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%
EBT Margin (Quarter)	43.10%	25.13%	39.42%	26.83%	42.66%	26.88%	0.39%	14.89%	0.76%	-14.86%	7.13%	25.16%	21.14%	4.52%	16.61%	33.14%	37.68%	18.01%	24.27%	12.67%	78.04%	46.52%
EBIT Margin (Quarter)	43.10%	-0.30%	39.42%	26.83%	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%
EBITDA Margin (Quarter)	43.10%	-0.30%	39.42%	26.83%	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%
Operating Margin (Quarter)	43.10%	-0.30%	39.42%	26.83%	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%
Net Margin (Quarter)	43.10%	25.13%	39.42%	26.83%	41.69%	27.51%	-0.59%	14.58%	-1.14%	-10.53%	6.87%	24.24%	20.53%	2.95%	15.97%	32.08%	35.16%	17.26%	22.40%	11.47%	72.64%	44.90%
FCF Margin (Quarter)		-3.28%	68.47%	-307.25%	389.20%	53.14%	80.66%	-472.81%	815.65%	-1,356.40%	111.08%	94.41%	96.17%	122.36%	114.37%	-298.40%	445.19%	111.49%	-91.55%	252.84%	95.58%	-1,340.33%
Efficiency
Assets Average (Quarter)		143.90M	265.01M	243.99M	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
Equity Average (Quarter)		91.17M	52.17M	91.17M	157.88M	148.15M	157.23M	161.04M	165.47M	162.30M	161.64M	170.56M	183.41M	191.93M	195.66M	199.49M	211.00M	227.26M	235.49M	227.23M	247.48M	167.87M
Invested Capital (Quarter)	83.00M	113.98M	5.00M	177.34M	188.41M	207.88M	156.59M	165.50M	165.45M	159.15M	164.12M	176.99M	189.83M	194.03M	197.29M	201.69M	220.31M	234.21M	236.76M	217.71M	277.25M	58.48M
Asset Utilization Ratio (Quarter)				0.98	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
Leverage & Solvency
Interest Coverage Ratio (Quarter)	4.29	-0.01	5.45		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
Debt to Equity (Quarter)		0.06			1.49	1.59	1.67	2.00	2.05	0.00	2.02			1.71	1.52	1.50	1.48	1.36	1.22	1.41	1.16	5.49
Debt Ratio (Quarter)		0.02			0.47	0.50	0.51	0.57	0.58	0.00	0.59			0.55	0.53	0.53	0.53	0.50	0.45	0.45	0.45	0.43
Equity Ratio (Quarter)	42.38	0.35	0.02	0.73	0.31	0.31	0.31	0.29	0.29	0.27	0.29	0.31	0.32	0.32	0.35	0.35	0.36	0.37	0.37	0.32	0.38	0.08
Times Interest Earned (Quarter)	4.29	-0.01	5.45		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
Dividends & Payouts
FCF Payout Ratio (Quarter)		0.01	0.02	-0.16	0.06	0.00	0.01	0.00	0.00	0.00	0.00	0.00		0.13	0.12	0.02			-0.14	-0.02	0.52	0.00
Valuation
Enterprise Value (Quarter)	-44.22M	-45.66M	-95.97M	-120.78M	104.79M	104.56M	105.39M	111.84M	118.22M	109.97M	91.31M	107.44M	112.39M	109.65M	90.39M	102.22M	111.19M	113.15M	123.45M	126.09M	152.64M	200.94M
Return Ratios
Return on Sales (Quarter)	0.43%	0.25%	0.39%	0.27%	0.42%	0.28%	-0.01%	0.15%	-0.01%	-0.11%	0.07%	0.24%	0.21%	0.03%	0.16%	0.32%	0.35%	0.17%	0.22%	0.11%	0.73%	0.45%
Return on Capital Employed (Quarter)				0.25%
Return on Invested Capital (Quarter)					0.29%	0.29%	0.17%	0.12%	0.04%	-0.04%	0.00%	0.07%	0.16%	0.23%	0.23%	0.28%	0.35%	0.40%	0.53%	0.60%	0.60%	0.93%
Return on Assets (Quarter)				0.32%	0.26%	0.19%	0.13%	0.10%	0.04%	0.01%	0.01%	0.03%	0.06%	0.07%	0.08%	0.10%	0.12%	0.13%	0.15%	0.12%	0.17%	0.20%
Return on Equity (Quarter)				0.85%	0.56%	0.61%	0.41%	0.35%	0.15%	0.02%	0.05%	0.10%	0.18%	0.21%	0.23%	0.28%	0.34%	0.37%	0.40%	0.34%	0.49%	0.87%

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OppFi Ratios (2020-2025) | OPFI

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