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OppFi OPFI EBITDA margin

EBITDA margin at other companies

Enova International logo
Enova InternationalENVA
24.8%+1.0pp
Upstart Holdings, Inc. logo
Upstart Holdings, Inc.UPST
5.6%+3.3pp
World Acceptance logo
World AcceptanceWRLD
17.7%-11.4pp
Q2 Holdings logo
Q2 HoldingsQTWO
14.2%+8.8pp
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
53.1%-1.3pp
Blue Owl Capital logo
Blue Owl CapitalOWL
32.3%-1.4pp

Other financials

Income statement

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Revenue$87.3M-3.9%
Operating income$35.4M-16.8%
Net income$28.4M+350%
EPS (diluted)$0.56+217%

Balance sheet

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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

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Operating cash flow$90.8M+8.4%
CapEx$5.1M+17.2%
Free cash flow$85.6M+7.9%

Valuation

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Market cap$751.46M+123%
Enterprise value$662.47M+156%
P/E11.4×-22.5×
P/S2×+1.0×

Profitability

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Operating margin42.2%+4.5pp
Net margin17.5%+14.7pp
FCF margin102.9%+11.8pp

Returns & leverage

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Return on equity134.6%+85.9pp
Debt / equity0.1×-0.4×
Current ratio0.3×—

Where this comes from

Calculated from OppFi’s reported figures.

ebitda/total revenue=43.3%

Based on trailing twelve months.

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 margin?
OppFi (OPFI) reported EBITDA margin of 43.3% in Q1 2026.
How has OppFi's EBITDA margin changed year-over-year?
OppFi's EBITDA margin increased by 7.7% year-over-year, from 40.2% to 43.3%.
What is the long-term trend for OppFi's EBITDA margin?
Over 4 years (2021 to 2025), OppFi's EBITDA margin has grown at a 15.2% compound annual growth rate (CAGR), from 25.6% to 45.1%.
What does EBITDA margin mean?
EBITDA (earnings before interest, taxes, depreciation, and amortization) as a percentage of revenue, trailing twelve months. A proxy for cash operating profitability that strips out capital-structure and non-cash charges.