What is OppFi's return on equity?

OppFi (OPFI) reported return on equity of 134.6% in Q1 2026.

How has OppFi's return on equity changed year-over-year?

OppFi's return on equity increased by 176.0% year-over-year, from 48.8% to 134.6%.

What does return on equity mean?

Trailing-twelve-month net income divided by average shareholders' equity (average of the start and end of the trailing-twelve-month window). Measures the profit generated on each dollar of shareholder capital.

OppFi OPFI Return on equity

Return on equity at other companies

Enova InternationalENVA

25.1%+5.2pp

Upstart Holdings, Inc.UPST

7%+4.4pp

Oaktree Specialty LendingOCSL

3.5%+2.9pp

World AcceptanceWRLD

8.8%-12.0pp

Blue Owl Technology Finance Corp.OTF

5.4%+0.1pp

Q2 HoldingsQTWO

12.8%+10.3pp

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

Net margin17.5%+14.7pp

FCF margin102.9%+11.8pp

Returns & leverage

See full

Debt / equity0.1×-0.4×

Current ratio0.3×—

Where this comes from

Calculated from OppFi’s reported figures.

net income/total stockholders equity=134.6%

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 return on equity?: OppFi (OPFI) reported return on equity of 134.6% in Q1 2026.
How has OppFi's return on equity changed year-over-year?: OppFi's return on equity increased by 176.0% year-over-year, from 48.8% to 134.6%.
What does return on equity mean?: Trailing-twelve-month net income divided by average shareholders' equity (average of the start and end of the trailing-twelve-month window). Measures the profit generated on each dollar of shareholder capital.