OppFi Inc. (OPFI) stock

OPFINYSEFinance ServicesFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 13/3073% below fair value

$5.94+0.03 (+0.51%)

Close on Nov 13, 2026Market cap $506.14MP/E –Yield 4.21%

OppFi operating margin

Operating margin is operating income as a percentage of revenue.

OppFi's operating margin for the twelve months ending Sep 30, 2026 was 36.3%. For fiscal 2025 it was 43.7%, against 29.4% the year before. The highest annual figure on record is 43.7% in fiscal 2025.

Annual operating margin

Period	Period end	Value	Change (pts)
FY2025	Dec 31, 2025	43.7%	+14.3
FY2024	Dec 31, 2024	29.4%	+12.4
FY2023	Dec 31, 2023	17.0%	+19.9
FY2022	Dec 31, 2022	-2.9%	−24.6
FY2021	Dec 31, 2021	21.7%	−17.0
FY2020	Dec 31, 2020	38.7%	+10.0
FY2019	Dec 31, 2019	28.7%	–

Quarterly operating margin

Change is against the same quarter a year earlier.

Period	Period end	Value	Change (pts)
Q3 FY2026	Sep 30, 2026	39.9%	−6.4
Q2 FY2026	Jun 30, 2026	28.3%	−16.4
Q1 FY2026	Mar 31, 2026	40.5%	−6.3
Q4 FY2025	Dec 31, 2025	36.1%	+5.6
Q3 FY2025	Sep 30, 2025	46.3%	+7.8
Q2 FY2025	Jun 30, 2025	44.7%	+10.5
Q1 FY2025	Mar 31, 2025	46.8%	+38.4
Q4 FY2024	Dec 31, 2024	30.5%	+17.3
Q3 FY2024	Sep 30, 2024	38.5%	+17.9
Q2 FY2024	Jun 30, 2024	34.2%	+9.6
Q1 FY2024	Mar 31, 2024	8.4%	+1.8
Q4 FY2023	Dec 31, 2023	13.2%	+33.1
Q3 FY2023	Sep 30, 2023	20.6%	+22.4
Q2 FY2023	Jun 30, 2023	24.6%	+14.8
Q1 FY2023	Mar 31, 2023	6.5%	+10.8
Q4 FY2022	Dec 31, 2022	-19.8%	−25.3
Q3 FY2022	Sep 30, 2022	-1.8%	−17.6
Q2 FY2022	Jun 30, 2022	9.8%	−17.0
Q1 FY2022	Mar 31, 2022	-4.3%	−43.7
Q4 FY2021	Dec 31, 2021	5.5%	−19.7
Q3 FY2021	Sep 30, 2021	15.8%	−27.3
Q2 FY2021	Jun 30, 2021	26.8%	–
Q1 FY2021	Mar 31, 2021	39.4%	–
Q4 FY2020	Dec 31, 2020	25.1%	–
Q3 FY2020	Sep 30, 2020	43.1%	–