OppFi Inc. (OPFI) Earnings History
Annual and quarterly earnings data from 2019 to 2025
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OPFI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
OPFI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 95.1% | 32.4% | 4.4% |
| 2024 | 80.0% | 18.0% | 1.4% |
| 2023 | 78.9% | 9.1% | -0.2% |
| 2022 | 79.0% | -1.4% | 1.6% |
| 2021 | 74.6% | 16.3% | 7.3% |
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OppFi Inc. (OPFI) Earnings Overview
As of May 6, 2026, OppFi Inc. (OPFI) reported trailing twelve-month net income of $26M, reflecting +175.0% year-over-year growth. The company earned $0.99 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 ($327M net income, 9.8% margin), WRLD ($43M net income, 15.9% margin), RM ($49M 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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Start ComparisonOPFI — Frequently Asked Questions
Quick answers to the most common questions about buying OPFI stock.
Is OPFI growing earnings?
OPFI EPS is $0.99, with earnings growth accelerating to +175.0%. This exceeds the 5-year CAGR of -30.2%. TTM net income reached $26M.
What are OPFI's profit margins?
OppFi Inc. net margin is +4.4%, with operating margin at +32.4%. Below-average margins reflect competitive or cost pressures.
How consistent are OPFI's earnings?
OPFI earnings data spans 2019-2025. The accelerating earnings trend is +175.0% YoY. Historical data enables comparison across business cycles.