Filing Flows › OppFi (OPFI) › Q3 2026
OppFi (OPFI) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
OppFi (OPFI) reported revenue of $92.8M for the third quarter 2026 (Q3 2026), -11% from a year earlier and +8% from the quarter before. Operating margin was 39.9%, net earnings $34.5M (37.2% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $92.8M | +8% | -11% |
| Operating profit | $37.0M | +52% | -24% |
| Net earnings | $34.5M | +121% | -55% |
| Operating cash flow | $85.3M | -7% | -19% |
| Free cash flow | $81.5M | -7% | -18% |
What changed
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.
Questions
What was OppFi's revenue in the third quarter 2026?
OppFi (OPFI) reported revenue of $92.8M for the third quarter 2026 (Q3 2026), -11% from a year earlier and +8% from the quarter before.
Was OppFi profitable in the third quarter 2026?
Operating profit was $37.0M (39.9% of revenue) and net earnings $34.5M.
Source: OppFi 10-Q on SEC EDGAR.