Filing Flows › OppFi (OPFI) › Q3 2026 › vs Q2 2026
OppFi (OPFI) Q3 2026 vs Q2 2026 (quarter over quarter)
OppFi's revenue rose $6.6M (+8%) from $86.2M in Q2 2026 to $92.8M in Q3 2026. Operating margin 39.9% against 28.3% (+11.7 pts).
OppFi, Q3 2026: revenue $92.8M (-11% year over year), operating margin 39.9%, net earnings $34.5M, operating cash flow $85.3M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 39.9% | 28.3% | +11.7 pts |
| Net margin | 37.2% | 18.1% | +19.1 pts |
| Free cash flow margin | 87.9% | 101.4% | -13.5 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $92.8M | $86.2M | $6.6M | +8% |
| Other income, net | $3.7M | $1.1M | $2.6M | +236% |
| Operating profit | $37.0M | $24.4M | $12.7M | +52% |
| Costs & expenses | $55.7M | $61.8M | −$6.1M | -10% |
| Pre-tax earnings | $40.7M | $25.5M | $15.3M | +60% |
| General & admin | $5.2M | $4.7M | $486K | +10% |
| Other operating costs | $50.5M | $57.1M | −$6.6M | -12% |
| Net earnings | $34.5M | $15.6M | $18.9M | +121% |
| Income tax | $6.3M | $9.8M | −$3.6M | -36% |
| Depreciation & amortization | $1.9M | $1.5M | $436K | +29% |
| Share-based compensation | $1.6M | $3.1M | −$1.5M | -47% |
| Working capital & other | $47.3M | $71.8M | −$24.6M | -34% |
| Operating cash flow | $85.3M | $92.0M | −$6.7M | -7% |
| Free cash flow (OCF − capex) | $81.5M | $87.4M | −$5.9M | -7% |
| Capital expenditures | $3.8M | $4.6M | −$842K | -18% |
Questions
How much did OppFi's revenue grow quarter over quarter in Q3 2026?
OppFi's revenue rose $6.6M (+8%) from $86.2M in Q2 2026 to $92.8M in Q3 2026. Operating margin 39.9% against 28.3% (+11.7 pts).