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OppFi OPFI Payment processing fees

Payment processing fees at other companies

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AVB
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$367K-64.8%

Segments

By segment

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Reportable Segment$1.66M+1.7%

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$748.9M+149%
Enterprise value$659.91M+182%
P/E11.3×-72.0×
P/S+1.2×

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

Reported directly by OppFi in its filing.

Tagged under the XBRL concept opfi:PaymentProcessingFees.

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

Filed
May 7, 2026, 5:23 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001818502-26-000056
Line itemThree Months Ended March 31, 20262025
Interest expense and amortized debt issuance costs8,51010,247
Professional fees7,2644,199
Technology costs3,3292,961
Payment processing fees1,6581,630
Occupancy8711,039
Depreciation and amortization5911,760
General, administrative and other5,0742,416
Total expenses51,93648,318

Item 1. Financial Statements (Unaudited)

FAQ

What is OppFi's payment processing fees?
OppFi (OPFI) reported payment processing fees of $1.66M in Q1 2026.
How has OppFi's payment processing fees changed year-over-year?
OppFi's payment processing fees increased by 1.7% year-over-year, from $1.63M to $1.66M.
What is the long-term trend for OppFi's payment processing fees?
Over 4 years (2021 to 2025), OppFi's payment processing fees has grown at a -3.1% compound annual growth rate (CAGR), from $7.48M to $6.59M.
What does payment processing fees mean?
This represents the transaction costs paid to third-party payment processors and financial networks to facilitate the disbursement of loans and the collection of repayments. It is directly tied to the volume and frequency of customer transactions. Managing these fees is essential for maintaining margins in high-volume, small-balance lending businesses.

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