What is OppFi's net margin?

OppFi (OPFI) reported net margin of 17.5% in Q1 2026.

How has OppFi's net margin changed year-over-year?

OppFi's net margin increased by 515.2% year-over-year, from 2.8% to 17.5%.

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

Over 4 years (2021 to 2025), OppFi's net margin has grown at a 30.9% compound annual growth rate (CAGR), from 2.4% to 6.9%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

OppFi OPFI Net margin

Net margin at other companies

Enova InternationalENVA

10%+1.6pp

Upstart Holdings, Inc.UPST

4.3%+2.6pp

World AcceptanceWRLD

5.9%-9.9pp

Q2 HoldingsQTWO

9%+7.3pp

SoFi Technologies, Inc.SOFI

14.6%-2.6pp

Blue Owl CapitalOWL

3%-0.8pp

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

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.

net income/total revenue=17.5%

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 net margin?: OppFi (OPFI) reported net margin of 17.5% in Q1 2026.
How has OppFi's net margin changed year-over-year?: OppFi's net margin increased by 515.2% year-over-year, from 2.8% to 17.5%.
What is the long-term trend for OppFi's net margin?: Over 4 years (2021 to 2025), OppFi's net margin has grown at a 30.9% compound annual growth rate (CAGR), from 2.4% to 6.9%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.