Filing Flows › OppFi (OPFI) › Q2 2026 › vs Q2 2025
OppFi (OPFI) Q2 2026 vs Q2 2025 (year over year)
OppFi's revenue fell $14.1M (-14%) from $100M in Q2 2025 to $86.2M in Q2 2026. Operating margin 28.3% against 44.7% (-16.4 pts).
OppFi, Q2 2026: revenue $86.2M (-14% year over year), operating margin 28.3%, net earnings $14.8M, operating cash flow $92.0M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 28.3% | 44.7% | -16.4 pts |
| Net margin | 17.2% | -20.7% | +38.0 pts |
| Free cash flow margin | 101.4% | 90.8% | +10.7 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $86.2M | $100M | −$14.1M | -14% |
| Other income, net | $1.1M | −$32.1M | $33.2M | — |
| Operating profit | $24.4M | $44.8M | −$20.5M | -46% |
| Costs & expenses | $61.8M | $55.4M | $6.4M | +12% |
| Pre-tax earnings | $25.5M | $12.7M | $12.8M | +100% |
| General & admin | $4.7M | $3.9M | $804K | +20% |
| Other operating costs | $57.1M | $51.5M | $5.6M | +11% |
| Net earnings | $14.8M | −$20.8M | $35.6M | — |
| Minority interests | $770K | $32.3M | −$31.5M | -98% |
| Income tax | $9.8M | $1.2M | $8.6M | +704% |
| Depreciation & amortization | $1.5M | $1.5M | $7K | +0.5% |
| Share-based compensation | $3.1M | $5.1M | −$2.0M | -40% |
| Working capital & other | $72.6M | $110M | −$37.2M | -34% |
| Operating cash flow | $92.0M | $95.6M | −$3.6M | -4% |
| Free cash flow (OCF − capex) | $87.4M | $91.0M | −$3.6M | -4% |
| Capital expenditures | $4.6M | $4.6M | −$14K | -0.3% |
Questions
How much did OppFi's revenue grow year over year in Q2 2026?
OppFi's revenue fell $14.1M (-14%) from $100M in Q2 2025 to $86.2M in Q2 2026. Operating margin 28.3% against 44.7% (-16.4 pts).