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OppFi profit margin OPFI

Gross, operating and net profit as a share of revenue over the last twelve months, from 2021.

Net margin, 12 months
28.0%
Operating margin, 12 months
38.3%
Net margin on a year earlier
+37.2 pts
Peer median
6.3%

Over the twelve months to Jun 30, 2026, OppFi kept 28.0% of its revenue as net profit, with an operating margin of 38.3%.

Five years earlier its net margin was −8.2%.

The median for 10 credit services stocks of a similar size is 6.3%.

Profit margin over time

OperatingNet

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet marginOperating margin
FY20256.9%43.7%
FY20242.3%29.4%
FY2023−0.4%17.0%
FY20223.3%−2.9%
FY20212.4%21.7%
FY2020n/an/a

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a yearOperating margin
Q2 FY2628.0%+37.2 pts38.3%
Q1 FY2617.5%+20.3 pts42.2%
Q4 FY256.9%+4.6 pts43.7%
Q3 FY251.0%−1.4 pts42.6%
Q2 FY25−9.2%−11.0 pts40.5%
Q1 FY25−2.8%−4.3 pts37.7%
Q4 FY242.3%+2.6 pts29.4%
Q3 FY242.4%−0.6 pts25.6%
Q2 FY241.8%−0.3 pts20.3%
Q1 FY241.5%−1.3 pts17.2%
Q4 FY23−0.4%−3.6 pts17.0%
Q3 FY233.0%−3.7 pts11.0%

Against its peers

Companies in Financial - Credit Services nearest OppFi's size, closest first, today.

CompanyProfit margin
OPFIOppFi28.0%
PLBCPlumas Bancorp31.7%
OPRTOportun Financial2.1%
TREELendingTree14.3%
RMNIRimini Street1.7%
VELVelocity Financialn/m
LSAKLesaka Technologies0.4%
PRTHPriority Technology5.6%
CASSCass Information Systems18.5%
RMRegional Management7.0%
IRHOIron Horse Acquisition IIn/m
Peer median6.3%

Where OppFi ranks

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on OppFi

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.