Filing Flows › OppFi (OPFI) › How it makes money
How OppFi (OPFI) makes money
OppFi (OPFI) made $92.8M of revenue in the third quarter 2026 (Q3 2026), -11% from a year earlier. Of every dollar of revenue, 40¢ was left as operating profit, 37¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $92.8M | 100.0% |
| Operating profit | $37.0M | 39.9% |
| Income tax | $6.3M | 6.8% |
| Net earnings | $34.5M | 37.2% |
| Operating cash flow | $85.3M | 92.0% |
| Free cash flow | $81.5M | 87.9% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $92.8M | -11% |
| Q2 2026 | $86.2M | -14% |
| Q1 2026 | $87.3M | -4% |
| Q4 2025 | $85.6M | +6% |
| Q3 2025 | $105M | +15% |
| Q2 2025 | $100M | +16% |
| Q1 2025 | $90.8M | +44% |
From OppFi's 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does OppFi make money?
OppFi (OPFI) made $92.8M of revenue in the third quarter 2026 (Q3 2026), -11% from a year earlier. Of every dollar of revenue, 40¢ was left as operating profit, 37¢ was left as net earnings.
What is OppFi's profit margin?
Net earnings were $34.5M, 37.2% of revenue, in the third quarter 2026; the operating margin was 39.9%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.