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OppFi OPFI Net margin

Net margin at other companies

Enova International logo
Enova InternationalENVA
10.3%+1.6pp
Upstart Holdings, Inc. logo
Upstart Holdings, Inc.UPST
4.8%+4.3pp
Oportun Financial Corporation logo
Oportun Financial CorporationOPRT
4.9%
LPR
LPROLPRO
20.8%-27.5pp
OP Bancorp logo
OP BancorpOPBK
29.2%+3.9pp
FB Bancorp, Inc. logo
FB Bancorp, Inc.FBLA

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$833.44M+167%
Enterprise value$744.45M+202%
P/E12.6×-80.2×
P/S2.2×+1.3×

Profitability

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Operating margin42.2%+4.5pp
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.

Based on trailing twelve months.

The source filing: OppFi’s 10-Q, filed May 7, 2026. Open the filing →

Filed
May 7, 2026, 5:23 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001818502-26-000056

FAQ

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.

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