OPFI - NYSE

OppFi Inc.

OPFI·NYSE

$8.00

-4.3%

TechnologySoftware - Application

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$683.15M

EPS0.9900

P/E Ratio8.08

Earnings Date08/05/2026

754.09M

Assets

18%

3Y+30.0%

5Y+164.0%

10Y+163.0%

445.21M

Total Liabilities

3Y+6.0%

5Y+139.0%

10Y+79.0%

308.88M

Total Equity

32%

3Y+94.0%

5Y+211.0%

10Y+725.0%

OppFi Inc. Funding & Solvency Profile

OPFI · NYSE

Current Assets

Cash & Cash Equivalents49.45M

Net Receivables546.24M

Inventory0.00

Other Current Assets43.81M

Total Current Assets639 M

Non-Current Assets

Property, Plant & Equipment36.46M

Goodwill & Intangible Assets0.00

Long-Term Investments19.08M

Other Non-Current Assets26.41M

Total Non-Current Assets82 M

Total Assets

754.09M

Financial Health Analysis

Current Ratio

7.44x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

1.44x

Elevated leverage. Debt exceeds equity, which amplifies both gains and risks. Monitor debt servicing ability.

Working Capital

554 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

85% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

OppFi Inc. Balance Sheet

OPFI • NYSE

OppFi Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	49.5M	61.3M	31.8M	16.2M	25.1M	25.6M	16.8M
Cash & Short-Term Investments	49.5M	61.3M	31.8M	16.2M	25.1M	25.6M	16.8M
Net Receivables	546.2M	475.7M	465.3M	459.9M	388.1M	222.2M	0.0
Other Receivables	546.2M	475.7M	465.3M	459.9M	388.1M	222.2M	0.0
Other Current Assets	43.8M	26.9M	42.2M	34M	37.3M	20.1M	0.0
Total Current Assets	639.5M	564M	539.3M	510.2M	450.5M	267.9M	16.8M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	36.5M	24.3M	22.5M	27.6M	14.6M	10.6M	6.6M
Long-Term Investments	19.1M	19.2M	1.9M	0.0	0.0	0.0	0.0
Tax Assets	32.6M	21.3M	25.8M	26.8M	25.6M	0.0	0.0
Other Non-Current Assets	26.4M	12.4M	12.1M	15.3M	11.4M	7.4M	263.3M
Total Non-Current Assets	114.6M	77.2M	62.3M	69.7M	51.6M	17.9M	269.8M
Total Assets	754.1M	641.2M	601.5M	579.8M	502.1M	285.8M	286.6M
LIABILITIES
CURRENT LIABILITIES
Total Payables	42.6M	27.4M	29.5M	32M	6.1M	1.4M	0.0
Accounts Payable	2.8M	879K	4.4M	6.3M	6.1M	1.4M	0.0
Other Payables	39.8M	26.5M	25M	25.6M	0.0	0.0	0.0
Accrued Expenses	43.4M	32.4M	22M	23.2M	27.1M	20.7M	0.0
Short Term Debt	0.0	0.0	0.0	0.0	22.4M	16M	0.0
Tax Payables	0.0	26.5M	25M	25.6M	0.0	0.0	0.0
Other Current Liabilities	0.0	0.0	0.0	0.0	2.5M	6.4M	15.4M
Total Current Liabilities	86M	59.8M	51.5M	55.2M	58.1M	44.4M	15.4M
NON-CURRENT LIABILITIES
Long Term Debt	321.4M	318.8M	334.1M	347.1M	251.6M	142.1M	223.9M
Other Non-Current Liabilities	26.5M	15.1M	6.9M	1.9M	34.5M	0.0	9.9M
Total Non-Current Liabilities	359.2M	347.2M	356M	365.5M	286.1M	142.1M	233.8M
Capital Lease Obligations	11.4M	13.3M	15.1M	16.6M	0.0	0.0	0.0
Total Liabilities	445.2M	407M	407.5M	420.7M	344.2M	186.5M	249.2M
SHAREHOLDERS' EQUITY
Treasury Stock	-21.5M	-6M	-2.5M	-2.5M	0.0	0.0	0.0
Preferred Stock	0.0	0.0	0.0	0.0	0.0	6.7M	6.7M
Common Stock	9K	9K	11K	11K	11K	217.2M	0.0
Additional Paid-In Capital	113.5M	93.9M	76.5M	65.5M	61.7M	352K	0.0
Retained Earnings	-33.5M	-55.1M	-63.6M	-63.5M	-70.7M	92.3M	30.6M
Accumulated Other Comprehensive Income/Loss	0.0	0.0	0.0	0.0	0.0	-217.2M	0.0
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	208.1K
Total Stockholders' Equity	58.5M	32.8M	10.4M	-494K	-9M	99.3M	37.4M
Total Equity	308.9M	234.2M	194M	159.2M	157.9M	99.3M	37.4M
Minority Interest	250.4M	201.4M	183.6M	159.6M	166.9M	0.0	0.0
SUMMARY
Total Liabilities & Equity	754.1M	641.2M	601.5M	579.8M	502.1M	285.8M	286.6M
Total Investments	19.1M	19.2M	1.9M	0.0	0.0	0.0	0.0
Total Debt	332.8M	332.1M	349.2M	363.6M	274M	158.1M	223.9M
Net Debt	283.3M	270.7M	317.4M	347.4M	249M	132.5M	207.1M
Shares Outstanding	86,612,555	86,612,555	86,612,555	86,612,555	86,612,555	86,612,555	86,612,555

SEC Filings

OPFI - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 06, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 28, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 28, 2026	June 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 16, 2026	April 10, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 12, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	March 11, 2026	March 11, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 06, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 29, 2025	October 29, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 02, 2025	September 29, 2025	2025	View Filing

Showing 1 to 10 of 110 filings

Related Guides

Blog Categories

Continue your OPFI research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.