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 | ||||
| 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 | ||||||||||||||||||||||||
| 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 | ||||
| Valuation | ||||||||||||||||||||||||
| Enterprise Value | 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 | 157.13M | 167.41M | -91.85M | ||||
| Return Ratios | ||||||||||||||||||||||||
| Return on SalesROS | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | ||||
| Return on Capital EmployedROCE | ||||||||||||||||||||||||
| Return on AssetsROA | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |