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OppFi (OPFI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · OppFi (OPFI) Q3 2026 earnings results →
Q3 2026 Revenue down 11% year over year to $92.8M · 37¢ of every $1 of revenue kept as net profit · operating margin 39.9%
OppFi made $92.8M in Q3 2026 (-11% Y/Y). Operating margin 39.9%, net earnings $34.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $92.8M in Q3 2026, down 11% year over year and up 8% from the previous quarter.
Operating profit was $37.0M, a 39.9% margin (down 6.4 points year over year). Total costs fell 1% while revenue fell 11%. The fastest-growing cost line was General & admin (+34%). Net earnings were $34.5M, down 17% year over year. The effective tax rate was 15.4%.
Operating cash flow was $85.3M (down 19% year over year), 247% of net earnings. Non-cash charges added back $1.9M of depreciation and amortization and $1.6M of share-based compensation. Working capital and other items added $47.3M. Capital expenditures of $3.8M left free cash flow of $81.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $92.8M | -11% | 39.9% | $34.5M | $85.3M |
| Q2 2026 | 10-Q | Aug 10, 2026 | $86.2M | -14% | 28.3% | $14.8M | $92.0M |
| Q1 2026 | 10-Q | May 7, 2026 | $87.3M | -4% | 40.5% | $28.4M | $90.8M |
| Q4 2025 | 10-K | Mar 12, 2026 | $85.6M | +6% | 36.1% | $16.8M | $117M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $105M | +15% | 46.3% | $41.6M | $105M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $100M | +16% | 44.7% | $11.5M | $95.6M |
| Q1 2025 | 10-Q | May 8, 2025 | $90.8M | +44% | 46.8% | $20.4M | $83.7M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Customers and suppliers named in filings
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About OppFi
OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through transparency, responsible lending, financial inclusion, and an excellent customer experience, the Company supports consumers, who are turned away by mainstream options, to build better financial health. OppFi’s primary mission is to facilitate financial inclusion and credit access to the 48 million everyday Americans who face credit insecurity, through its products and an unwavering commitment to its customers. Unlike payday loans and similar credit products that typically do not provide transparency, fairness, and ability to repay guidelines, OppFi is dedicated to offering the best possible product and service through its platform.
In its own words, from its 10-K, filed Mar 12, 2026.
OppFi against its Finance Services peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -11% against the peers' median +17%. Operating margin: 39.9% against the peers' median 15.3%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| OPFI OppFi | Q3 2026 | $92.8M | -11% | 39.9% |
| AXP American Express | Q3 2026 | $20.1B | +9% | 22.6% |
| BTGO Bitgo Holdings | Q2 FY27 | $4.3B | +80% | -0.4% |
| General Motors Financial Company | Q3 2026 | $4.3B | -0.6% | 15.3% |
| SOFI SoFi Technologies | Q3 2026 | $1.4B | +44% | 22.9% |
| COIN Coinbase Global | Q3 2026 | $1.2B | -35% | 5.1% |
| CRCL Circle Internet Group | Q3 2026 | $865M | +17% | 24.1% |
| CHYM Chime Financial | Q3 2026 | $718M | +32% | 4.8% |
| GDOT Green DOT | Q2 2026 | $596M | +18% | -0.1% |
Source: OppFi 10-Q on SEC EDGAR · CIK 1818502 · Finance Services
Guidance and outlook
13F: who owns OPFI and who is buying
More on OPFI
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results