OppFi Ratios (2020-2025) | OPFI

Ratios Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Profitability
Gross Margin 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%
EBT Margin 43.10%25.13%39.42%26.83%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%18.07%24.27%12.67%78.04%
EBIT Margin 43.10%25.13%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%
EBITDA Margin 43.10%25.13%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%
Operating Margin 43.10%25.13%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%
Net Margin 43.10%25.13%39.42%26.83%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%17.32%22.40%11.45%72.64%
FCF Margin -248.50%-97.78%-153.83%-163.43%-222.26%-221.07%-237.88%-222.42%-228.96%-157.14%-158.59%-156.73%-149.68%-123.58%-124.06%-136.00%-122.61%-91.55%-104.98%-109.42%
Efficiency
Assets Average 143.90M265.01M243.99M342.23M471.38M507.33M545.31M579.02M579.90M569.94M568.71M588.99M601.07M582.37M568.15M596.18M630.22M640.62M656.72M697.00M
Equity Average 91.17M52.17M5.00M71.71M148.15M157.23M161.04M165.47M162.30M161.64M170.56M183.41M191.93M195.66M199.49M211.00M227.26M235.49M227.23M247.48M
Invested Capital 83.00M231.06M5.00M5.00M188.41M207.88M156.59M165.50M165.45M159.15M164.12M176.99M189.83M194.03M197.29M201.69M220.31M234.21M236.76M217.71M277.25M
Asset Utilization Ratio 0.980.780.560.500.460.400.370.390.410.430.450.480.510.510.510.540.550.54
Leverage & Solvency
Interest Coverage Ratio 4.293.595.452.821.790.49-0.290.81-0.11-0.900.331.631.290.720.462.693.112.244.154.654.81
Debt to Equity 1.331.491.591.672.002.052.172.021.881.801.711.521.501.481.361.221.411.16
Debt Ratio 0.460.470.500.510.570.580.590.590.570.570.550.530.530.530.500.450.450.45
Equity Ratio 42.380.350.020.020.310.310.310.290.290.270.290.310.320.320.350.350.360.370.370.320.38
Times Interest Earned 4.293.595.452.821.790.49-0.290.81-0.11-0.900.331.631.290.720.462.693.112.244.154.654.81
Dividends & Payouts
FCF Payout Ratio 0.00-0.01-0.32-0.140.00-0.010.000.000.000.00-0.06-0.020.00-0.11-0.02-0.110.00-0.14-0.35-0.09
Valuation
Enterprise Value -44.22M-45.66M-95.97M-120.78M104.79M104.56M105.39M111.84M118.22M109.97M91.31M107.44M112.39M109.65M90.39M102.22M111.19M113.15M123.45M126.09M152.64M
Return Ratios
Return on Sales 0.43%0.25%0.39%0.27%0.42%0.28%-0.01%0.15%-0.01%-0.11%0.07%0.24%0.20%0.03%0.16%0.32%0.35%0.17%0.22%0.11%0.73%
Return on Capital Employed 0.32%
Return on Invested Capital 0.72%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%
Return on Assets 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%
Return on Equity 15.57%1.24%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%