Filing Flows › OppFi (OPFI) › Q2 2026
OppFi (OPFI) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 10, 2026
OppFi (OPFI) reported revenue of $86.2M for the second quarter 2026 (Q2 2026), -14% from a year earlier and -1% from the quarter before. Operating margin was 28.3%, net earnings $14.8M (17.2% of revenue).
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 follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $86.2M | -1% | -14% |
| Operating profit | $24.4M | -31% | -46% |
| Net earnings | $14.8M | -48% | — |
| Operating cash flow | $92.0M | +1% | -4% |
| Free cash flow | $87.4M | +2% | -4% |
What changed
Revenue was $86.2M in Q2 2026, down 14% year over year and down 1% from the previous quarter.
Operating profit was $24.4M, a 28.3% margin (down 16.4 points year over year). Total costs grew 12% against a revenue fall of 14%. The fastest-growing cost line was General & admin (+20%). Net earnings were $14.8M. The effective tax rate was 38.7%.
Operating cash flow was $92.0M (down 4% year over year), 590% of net income including minority interests. Non-cash charges added back $1.5M of depreciation and amortization and $3.1M of share-based compensation. Working capital and other items added $71.8M. Capital expenditures of $4.6M left free cash flow of $87.4M.
Questions
What was OppFi's revenue in the second quarter 2026?
OppFi (OPFI) reported revenue of $86.2M for the second quarter 2026 (Q2 2026), -14% from a year earlier and -1% from the quarter before.
Was OppFi profitable in the second quarter 2026?
Operating profit was $24.4M (28.3% of revenue) and net earnings $14.8M.
Source: OppFi 10-Q on SEC EDGAR.