Company / Operating Margin
OppFi Inc. Operating Margin History
FY2019-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Margin
43.7%
FY2025
5-year range
21.7% / 43.7%
FY2021-FY2025
Trend
+48.7%
vs FY2024
Sector context
#15 of 105
Financials
What the data says
OppFi Inc.'s operating margin of 43.7% is higher than 86% of companies in the Financials sector (FY2025). Operating Margin has fluctuated over the past 7 years, ranging from 21.7% in FY2023 to 43.7% in FY2025.
Based on SEC 10-K filings.
43.7% in FY2025 with a 5-year CAGR of +5.0%. Top quartile in the Financials sector.
Improved from 21.7% to 43.7% over the past 2 years.
Financials sector context is included.
Operating Margin over time
Growth rates
- 3-Year Change
- +5.0pp
- 5-Year Change
- +5.0pp
- 10-Year Change
- -
Sector benchmark
Top 14% in FinancialsTop 14% of 105This company 43.7% Sector average -49.0%
▼
+189.3% above sector average
Key checks
Key Insights
- In FY2025, operating margin increased 48.7% year-over-year.
- Currently 92.7pp above the Financials sector average.
- Lowest operating margin in the period was in FY2023.
Company context
Key Data Points
- Altman Z-Score 1.19 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Operating MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 43.7% | +48.7% |
| FY2024 | 29.4% | +35.5% |
| FY2023 | 21.7% | -43.9% |
| FY2022 | 38.7% | +78.3% |
| FY2021 | 21.7% | -43.9% |
| FY2020 | 38.7% | +34.8% |
| FY2019 | 28.7% | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026