Where do OppFi's ratios come from?

Every ratio is computed from OppFi's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

OppFi OPFI Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Operating margin	42.2%-1.5pp	43.7%+1.1pp	42.6%+2.1pp	40.5%+2.8pp	37.7%+8.3pp
Net margin	17.5%+10.6pp	6.9%+0.7pp	6.2%+10.1pp	-3.8%-6.7pp	2.8%-5.5pp
Returns
Return on equity	134.6%+76.9pp	57.7%+2.1pp	55.6%+143pp	-87%-136pp	48.8%-75.4pp
Efficiency
Asset turnover	0.6×0.0×	0.5×0.0×	0.6×0.0×	0.6×0.0×	0.6×+0.1×
Leverage
Debt-to-equity	0.1×-0.1×	0.2×0.0×	0.2×-0.7×	0.9×+0.4×	0.6×+0.2×
Net debt / EBITDA	-0.5×-0.1×	-0.5×-0.1×	-0.4×0.0×	-0.4×+0.1×	-0.6×+0.2×
Per Share
Book value per share	$0.88-60.2%	$2.21+294%	$0.56+11.6%	$0.50-47.3%	$0.95-41.5%
Valuation
Market capitalization	$751.46M+123%	$289.37M-9.9%	$321.29M-15.2%	$378.98M+68.2%	$225.31M+38.6%
Price / earnings	11.4×-22.5×	11×-2.7×	13.7×—	——	22.7×+16.6×
Price / sales	2×+1.0×	0.8×-0.1×	0.9×-0.2×	1×+0.4×	0.6×+0.1×
Price / book	9.9×-5.0×	4.9×-1.6×	6.5×-21.9×	28.4×+18.4×	10×+5.0×
EV / EBITDA	4.1×+2.2×	1.2×-0.3×	1.5×-0.5×	2×+1.0×	1×+0.2×

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Where do OppFi's ratios come from?: Every ratio is computed from OppFi's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.