OppFi Inc. (OPFI) Earnings History
Annual and quarterly earnings data from 2019 to 2024
Loading earnings history...
EPS Growth Rates (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.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 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% |
| 2020 | 84.8% | 26.6% | 26.6% |
Download Data
Export OPFI earnings history in CSV or JSON format
Free sign-in required to download data
OppFi Inc. (OPFI) Earnings Overview
As of March 1, 2026, OppFi Inc. (OPFI) reported trailing twelve-month net income of $4M, reflecting +6.9% year-over-year growth. The company earned $0.15 per diluted share over the past four quarters, with a net profit margin of 0.0%.
Looking at the long-term picture, OPFI's 5-year EPS compound annual growth rate (CAGR) stands at -32.3%, 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 0.8%, operating margin of 0.2%, and net margin of 0.0%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including INTU ($4.34B net income, 0.2% margin), FICO ($658M net income, 0.3% margin), SSNC ($852M net income, 0.1% margin), OPFI has room to improve margins relative to the peer group. Compare OPFI vs INTU →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
6 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 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% |
See OPFI's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs OPFI Undervalued?
See our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationCompare OPFI vs NVDA
See how OPFI stacks up against sector leader NVIDIA Corporation.
Start ComparisonFrequently Asked Questions
Is OPFI growing earnings?
OPFI EPS stands at $0.15, with +6.9% growth matching the 5-year CAGR of -32.3%. TTM net income is $4M. Earnings trajectory remains consistent.
What are OPFI's profit margins?
OppFi Inc. net margin is +0.0%, with operating margin at +0.2%. Below-average margins reflect competitive or cost pressures.
How consistent are OPFI's earnings?
OPFI earnings data spans 2019-2024. The current earnings trend is +6.9% YoY. Historical data enables comparison across business cycles.