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OppFi (OPFI) Degree of Operating Leverage : 3.30 (As of Mar. 2025)


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What is OppFi Degree of Operating Leverage?

Degree of Operating Leverage (DOL) measures the percentage change in EBIT for a unit change in Revenue. OppFi's Degree of Operating Leverage for the quarter that ended in Mar. 2025 was 3.30. The higher Degree of Operating Leverage, the higher operating risk the company will take.

The industry rank for OppFi's Degree of Operating Leverage or its related term are showing as below:

OPFI's Degree of Operating Leverage is ranked worse than
78.16% of 380 companies
in the Credit Services industry
Industry Median: 0.89 vs OPFI: 3.30

OppFi Degree of Operating Leverage Historical Data

The historical data trend for OppFi's Degree of Operating Leverage can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

OppFi Degree of Operating Leverage Chart

OppFi Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Degree of Operating Leverage
Get a 7-Day Free Trial 2.98 -0.33 5.35 1.63 2.27

OppFi Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Degree of Operating Leverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.40 -2.17 -4.81 2.27 3.30

Competitive Comparison of OppFi's Degree of Operating Leverage

For the Credit Services subindustry, OppFi's Degree of Operating Leverage, along with its competitors' market caps and Degree of Operating Leverage data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


OppFi's Degree of Operating Leverage Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, OppFi's Degree of Operating Leverage distribution charts can be found below:

* The bar in red indicates where OppFi's Degree of Operating Leverage falls into.


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OppFi Degree of Operating Leverage Calculation

OppFi's Degree of Operating Leverage for the quarter that ended in Mar. 2025 is calculated as:

Degree of Operating Leverage=% Change in EBIT**/% Change in Revenue
=( 321.543 (Mar. 2025) / 280.312 (Mar. 2024) - 1 )/( 538.888 (Mar. 2025) / 515.918 (Mar. 2024) - 1 )
=0.1471/0.0445
=3.30***

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

** TTM data of EBIT and Revenue was used to calculate Degree of Operating Leverage.
*** Please be aware that the Degree of Operating Leverage calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.


OppFi  (NYSE:OPFI) Degree of Operating Leverage Explanation

Degree of Operating Leverage (DOL) is a leverage ratio that measures the sensitivity of a company’s operting income, also referred to as Earnings Before Interest and Taxes (EBIT), to fluctuations in its Revenue. DOL is a method used to quantify a company’s operating risk. This risk is related to the company's structure of variable costs and fixed costs. Since the fixed costs do not allow the company to adjust the operating costs, the operating risk rises with a higher fixed-to-variable costs proportion.

A high Degree of Operating Leverage indicates that the company’s fixed costs exceed its variable costs. By increasing the sales, the company can earn more profits. In addition, the company must be able to maintain relatively high sales to cover all fixed costs.

Be Aware

The use of operating leverage varies across different industries and business sectors, and the application of Degree of Operating Leverage (DOL) should be adjusted accordingly.


OppFi Degree of Operating Leverage Related Terms

Thank you for viewing the detailed overview of OppFi's Degree of Operating Leverage provided by GuruFocus.com. Please click on the following links to see related term pages.


OppFi Business Description

Traded in Other Exchanges
N/A
Address
130 East Randolph Street, Suite 3400, Chicago, IL, USA, 60601
OppFi Inc is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. It recognizes revenue through finance charges on installment and SalaryTap contracts based on the interest method.
Executives
Christopher J. Mckay officer: Chief Risk & Analytics Officer 130 E. RANDOLPH STREET, SUITE 3300, CHICAGO IL 60601
Theodore G Schwartz director, 10 percent owner C/O APAC CUSTOMER SERVICES, INC., SIX PARKWAY NORTH, DEERFIELD IL 60015
David Vennettilli director 105 S. MAPLE STREET, ITASCA IL 60143
Jocelyn Moore director 222 BERKELEY STREET, FLOOR 5, BOSTON MA 02116
Pamela D. Johnson officer: Chief Accounting Officer 130 E. RANDOLPH STREET, SUITE 3300, CHICAGO IL 60601
Todd G. Schwartz director, 10 percent owner 105 S. MAPLE STREET, ITASCA IL 60143
Blackstone Aqua Master Sub-fund, A Sub-fund Of Blackstone Global Master Fund Icav 10 percent owner 345 PARK AVENUE, 29TH FLOOR, NEW YORK NY 10154
Blackstone Inc. 10 percent owner 345 PARK AVENUE, NEW YORK NY 10154
Blackstone Alternative Solutions L.l.c. 10 percent owner C/O BLACKSTONE INC., 345 PARK AVE., NEW YORK NY 10154
Stephen A Schwarzman 10 percent owner C/O BLACKSTONE INC., 345 PARK AVE, NEW YORK NY 10154
Blackstone Group Management L.l.c. 10 percent owner C/O BLACKSTONE INC., 345 PARK AVENUE, NEW YORK NY 10154
Blackstone Holdings I/ii Gp L.l.c. 10 percent owner C/O BLACKSTONE INC., 345 PARK AVENUE, NEW YORK NY 10154
Blackstone Holdings I L.p. 10 percent owner C/O THE BLACKSTONE GROUP, 345 PARK AVENUE, NEW YORK NY 10154
Christina M Favilla director 400 RELLA BOULEVARD, MONTEBELLO NY 10901
Neville Crawley officer: President 130 E. RANDOLPH STREET, SUITE 3300, CHICAGO IL 60601