OppFi Inc. (OPFI) Earnings History
Turnaround7 years of earnings data (2019–2025) · Recovering earnings after a multi-year decline
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OppFi Inc. (OPFI) Earnings Overview
As of September 25, 2026, OppFi Inc. (OPFI) reported trailing twelve-month net income of $102M, reflecting +175.0% year-over-year growth. The company earned $1.18 per diluted share over the past four quarters, with a net profit margin of 4.4%.
Looking at the long-term picture, OPFI's 5-year EPS compound annual growth rate (CAGR) stands at -30.2%, signaling declining earnings. The company achieved its highest annual net income of $78M in fiscal 2020.
OppFi Inc. maintains positive profitability with a gross margin of 95.1%, operating margin of 32.4%, and net margin of 4.4%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including ENVA ($355M net income, 9.8% margin), WRLD ($39M net income, 5.9% margin), RM ($50M net income, 6.9% margin), OPFI has room to improve margins relative to the peer group. Compare OPFI vs ENVA →
OPFI Earnings vs Peers
Earnings metrics vs comparable public companies
OPFI Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $26M | +262.8% | $193M | $0.99 | 4.4% | 32.4% |
| 2024 | $7M | +822.2% | $95M | $0.36 | 1.4% | 18.0% |
| 2023 | -$1M | -114.2% | $46M | $-0.06 | -0.2% | 9.1% |
| 2022 | $7M | -72.2% | -$6M | $0.05 | 1.6% | -1.4% |
| 2021 | $26M | -67.0% | $57M | $0.48 | 7.3% | 16.3% |
| 2020 | $78M | +134.9% | $78M | $5.97 | 26.6% | 26.6% |
| 2019 | $33M | - | $33M | $2.54 | 30.8% | 30.8% |
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OPFI — Frequently Asked Questions
Quick answers to the most common questions about buying OPFI stock.
What is OPFI earnings per share (EPS)?
OPFI trailing twelve-month (TTM) diluted EPS is $1.18, reflecting +175.0% year-over-year growth. The 5-year EPS CAGR is -30.2%. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is OppFi Inc.'s net income?
OppFi Inc. (OPFI) trailing twelve-month net income is $102M as of 2025. Earnings grew +175.0% year-over-year. OppFi Inc. has been profitable for 2 consecutive years.
Is OPFI profitable?
Yes, OPFI is profitable with a TTM net income of $102M and a net profit margin of +4.4%. OppFi Inc. has generated profits for 2 consecutive years.
What is OPFI's earnings growth rate?
OPFI compound annual EPS growth rates (CAGR): 1-Year: +175.0%, 3-Year: +169.8%, 5-Year: -30.2%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are OPFI's profit margins?
OppFi Inc. net profit margin is +4.4%, operating margin is +32.4%, and gross margin is +95.1%. Below-average margins reflect competitive or cost pressures. Return on Equity is +9.7%.
Is OPFI growing earnings?
Yes, OPFI earnings are accelerating — EPS growth of +175.0% exceeds the 5-year CAGR of -30.2%. TTM net income reached $102M. Earnings momentum is strengthening.
What was OPFI's best earnings year?
OppFi Inc.'s highest annual net income on record is $78M, achieved in fiscal year 2020. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were OPFI's earnings last quarter?
OPFI's most recent reported quarter was Q2 2026. Net income was $15M with diluted EPS of $0.18. For a full breakdown of all quarters, see the quarterly earnings table on this page.