Filing Flows › OppFi (OPFI) › Q3 2026 › vs Q3 2025
OppFi (OPFI) Q3 2026 vs Q3 2025 (year over year)
OppFi's revenue fell $11.8M (-11%) from $105M in Q3 2025 to $92.8M in Q3 2026. Operating margin 39.9% against 46.3% (-6.4 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 39.9% | 46.3% | -6.4 pts |
| Net margin | 37.2% | 72.6% | -35.5 pts |
| Free cash flow margin | 87.9% | 95.6% | -7.7 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $92.8M | $105M | −$11.8M | -11% |
| Other income, net | $3.7M | $33.1M | −$29.4M | -89% |
| Operating profit | $37.0M | $48.4M | −$11.4M | -24% |
| Costs & expenses | $55.7M | $56.1M | −$402K | -0.7% |
| Pre-tax earnings | $40.7M | $81.6M | −$40.8M | -50% |
| General & admin | $5.2M | $3.9M | $1.3M | +34% |
| Other operating costs | $50.5M | $52.2M | −$1.7M | -3% |
| Net earnings | $34.5M | $75.9M | −$41.5M | -55% |
| Income tax | $6.3M | $5.6M | $620K | +11% |
| Depreciation & amortization | $1.9M | $1.1M | $812K | +72% |
| Share-based compensation | $1.6M | $1.9M | −$304K | -16% |
| Working capital & other | $47.3M | $26.1M | $21.1M | +81% |
| Operating cash flow | $85.3M | $105M | −$19.8M | -19% |
| Free cash flow (OCF − capex) | $81.5M | $99.9M | −$18.4M | -18% |
| Capital expenditures | $3.8M | $5.2M | −$1.4M | -27% |
Questions
How much did OppFi's revenue grow year over year in Q3 2026?
OppFi's revenue fell $11.8M (-11%) from $105M in Q3 2025 to $92.8M in Q3 2026. Operating margin 39.9% against 46.3% (-6.4 pts).