What is OppFi's EBITDA?

OppFi (OPFI) reported EBITDA of $35.95M in Q1 2026.

How has OppFi's EBITDA changed year-over-year?

OppFi's EBITDA decreased by 18.8% year-over-year, from $44.25M to $35.95M.

What is the long-term trend for OppFi's EBITDA?

Over 4 years (2021 to 2025), OppFi's EBITDA has grown at a 26.3% compound annual growth rate (CAGR), from $67.54M to $171.84M.

What does EBITDA mean?

Earnings before interest, taxes, depreciation, and amortization — EBIT plus the D&A add-back from the cash-flow statement (EBITDA = EBIT + D&A). A proxy for cash earnings that strips out financing, tax, and non-cash charges.

OppFi OPFI EBITDA

EBITDA at other companies

Enova InternationalENVA

$216.02M+18.7%

Upstart Holdings, Inc.UPST

-$1.66M-187%

World AcceptanceWRLD

$60.87M-10.6%

Q2 HoldingsQTWO

$39.43M+148%

Peoples BancorpPEBO

$39.04M+11.6%

FCF

FirstCash HoldingsFCFS

——

Other financials

Income statement

See full

Revenue$87.3M-3.9%

Operating income$35.4M-16.8%

Net income$28.4M+350%

EPS (diluted)$0.56+217%

Balance sheet

See full

Cash & equivalents$99.9M+10.1%

Total debt$10.9M-14.9%

Total equity$75.7M+235%

Total assets$720.0M+12.5%

Cash flow

See full

Operating cash flow$90.8M+8.4%

CapEx$5.1M+17.2%

Free cash flow$85.6M+7.9%

Valuation

See full

Market cap$751.46M+123%

Enterprise value$662.47M+156%

P/E11.4×-22.5×

P/S2×+1.0×

Profitability

See full

Operating margin42.2%+4.5pp

Net margin17.5%+14.7pp

FCF margin102.9%+11.8pp

Returns & leverage

See full

Return on equity134.6%+85.9pp

Debt / equity0.1×-0.4×

Current ratio0.3×—

Where this comes from

Calculated from OppFi’s reported figures.

$35.4Mebit+

$591.0KDepreciation Depletion & Amortization

=$35.95M

The official record: OppFi’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OppFi's EBITDA?: OppFi (OPFI) reported EBITDA of $35.95M in Q1 2026.
How has OppFi's EBITDA changed year-over-year?: OppFi's EBITDA decreased by 18.8% year-over-year, from $44.25M to $35.95M.
What is the long-term trend for OppFi's EBITDA?: Over 4 years (2021 to 2025), OppFi's EBITDA has grown at a 26.3% compound annual growth rate (CAGR), from $67.54M to $171.84M.
What does EBITDA mean?: Earnings before interest, taxes, depreciation, and amortization — EBIT plus the D&A add-back from the cash-flow statement (EBITDA = EBIT + D&A). A proxy for cash earnings that strips out financing, tax, and non-cash charges.