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OppFi OPFI Operating margin

Operating margin at other companies

Enova International logo
Enova InternationalENVA
23.6%+1.2pp
Upstart Holdings, Inc. logo
Upstart Holdings, Inc.UPST
3.5%+1.9pp
Q2 Holdings logo
Q2 HoldingsQTWO
8%+6.1pp
Peoples Bancorp logo
Peoples BancorpPEBO
30.2%-1.7pp
PROG Holdings logo
PROG HoldingsPRG
8.7%0.0pp

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/S+1.0×

Profitability

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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.

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 operating margin?
OppFi (OPFI) reported operating margin of 42.2% in Q1 2026.
How has OppFi's operating margin changed year-over-year?
OppFi's operating margin increased by 11.9% year-over-year, from 37.7% to 42.2%.
What is the long-term trend for OppFi's operating margin?
Over 4 years (2021 to 2025), OppFi's operating margin has grown at a 19.1% compound annual growth rate (CAGR), from 21.7% to 43.7%.
What does operating margin mean?
Operating income as a percentage of revenue (trailing twelve months). Captures profitability from core operations after both cost of revenue and operating expenses, but before interest and taxes.