What are OppFi's total assets?

OppFi (OPFI) holds $720.0M in total assets, up 12.5% year over year.

How much debt does OppFi have?

OppFi carries $10.9M in total debt against $75.7M of shareholders' equity, a debt-to-equity ratio of 0.14.

How much cash does OppFi have?

OppFi holds $99.9M in cash and equivalents.

Can OppFi cover its short-term obligations?

Its current ratio is 0.28 — current liabilities exceed current assets.

Where does OppFi's balance sheet data come from?

Every line is extracted from OppFi's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

OppFi OPFI Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Cash and cash equivalents	$99.92M+10.1%	$93.26M+5.6%	$75.19M+1.3%	$78.27M-3.2%	$90.77M+2.3%
Restricted cash	$36.06M+9.9%	$43.81M+62.6%	$29.74M+1.2%	$33.04M-3.4%	$32.81M-21.0%
Property and equipment, net	$32.18M+97.4%	$27.63M+102%	$23.5M+106%	$19.44M+98.5%	$16.31M+68.2%
Accumulated depreciation	$64.99M+6.5%	$64.4M+8.7%	$63.64M+11.4%	$62.51M+13.1%	$61.01M+15.6%
Operating lease right-of-use assets	5%0.0%	5%-1,058,299,995%	5%0.0%	5%0.0%	5%0.0%
Other non-current assets	——	——	——	——	$1.7M-83.4%
Equity method investments	$19.15M—	$19.08M—	$18.89M—	$18.57M—	——
Total assets	$719.99M+12.5%	$754.09M+17.6%	$720.62M+16.4%	$673.38M+17.5%	$640.07M+13.6%
Accounts payable	$10.45M+5.3%	$10.57M-11.5%	$8.67M-44.1%	$10.26M-28.8%	$9.92M-38.2%
Accrued expenses	$2.15M-33.2%	$2.04M+9.8%	$1.92M-71.8%	$1.78M—	$3.22M—
Accrued compensation	$2.98M+13.2%	$9.84M-3.0%	$6.78M+4.9%	$5.51M-9.4%	$2.64M-19.6%
Operating lease liabilities, current	$10.93M-14.9%	$11.42M-14.1%	$11.91M-13.3%	$12.38M-12.6%	$12.84M-12.1%
Income taxes payable	——	——	——	——	——
Accrued interest	$2.35M-7.3%	$2.6M+3.3%	$1.91M-24.3%	$2.58M—	$2.53M—
Dividends payable	——	——	——	——	——
Operating Lease Liabilities (Total)	$10.93M-14.9%	$11.42M-14.1%	$11.91M-13.3%	$12.38M-12.6%	$12.84M-12.1%
Senior unsecured notes, net	$284.26M-1.3%	$321.35M+0.8%	$320.84M-1.4%	$305.9M+1.4%	$288M-4.1%
Total liabilities	$377.01M-6.5%	$445.21M+9.4%	$443.36M+11.1%	$455.67M+22.7%	$403.31M+10.2%
Preferred stock	$0—	$0—	$0—	$0—	$0—
Additional paid-in capital	$112.3M+11.5%	$113.51M+20.9%	$112.57M+23.0%	$110.88M+37.0%	$100.72M+28.0%
Retained earnings	-$5.18M+92.8%	-$33.51M+39.2%	-$49.8M+1.7%	-$91.53M-59.6%	-$72.17M-24.3%
Treasury stock	$31.47M+424%	$21.53M+258%	$13.37M+122%	$6.01M+20.4%	$6.01M+144%
Noncontrolling interests	$267.33M+24.8%	$250.39M+24.3%	$227.83M+22.9%	$204.35M+11.6%	$214.21M+19.6%
Total stockholders' equity	$75.65M+235%	$58.48M+78.4%	$49.42M+41.7%	$13.35M-28.3%	$22.55M+24.1%
Total liabilities and stockholders' equity	$719.99M+12.5%	$754.09M+17.6%	$720.62M+16.4%	$673.38M+17.5%	$640.07M+13.6%
Long-term receivables, net	$34.95M+19.9%	$35.05M+16.4%	$36.32M+29.1%	$32.47M+21.5%	$29.16M+13.6%
Net Investment in Lease	$8.42M+396%	$8.83M-16.5%	$9.24M-15.8%	$9.64M-15.2%	$1.7M-85.6%
Deferred tax assets	$31.49M+14.1%	$32.65M+53.0%	$32.24M+44.7%	$33.95M+35.2%	$27.6M+8.1%
Finance receivables at fair value	$502.56M+10.5%	$546.24M+15.3%	$541.9M+17.4%	$491.49M+14.2%	$454.68M+10.3%
Operating lease right-of-use assets	$8.42M-16.0%	$8.83M-16.5%	$9.24M-15.8%	$9.64M-15.2%	$10.03M-14.7%
Other Assets	$21.77M+80.0%	$21.37M+122%	$14.5M+30.1%	$13.67M+39.8%	$12.1M+18.2%
Property, plant and equipment at cost	$97.18M+25.7%	$92.03M+26.2%	$87.13M+27.2%	$81.95M+26.0%	$77.31M+23.8%
Operating Lease Right-of-Use Assets in Other Assets	$8.42M-16.0%	$8.83M-16.5%	$9.24M-15.8%	$9.64M-15.2%	$10.03M-14.7%
Right to Recover for Covered Losses	——	——	——	——	——
Accrued Contingent Liabilities	——	——	——	——	——
Lease Liability Payments - 2020 (Remaining Three Months)	——	——	——	——	——
Operating Lease Liability Payments - 2024 (Lessee)	——	——	——	——	——
Operating Lease Liability Payments - 2025 (Lessee)	——	——	——	——	——
Lease Liability Payments - Due Year Two	——	——	——	——	——
Lease Liability Payments - Due Year Three	——	——	——	——	——
Lease Liability Payments - Due Year Four	——	——	——	——	——
Lease Liability Payments - Remainder of Fiscal Year	——	——	——	——	——
Operating Lease Liability Payments Due	——	——	——	——	——
Operating Lease Liability - Undiscounted Excess Amount	——	——	——	——	——
Debt - Unamortized Discount (Premium) and Issuance Costs, Net	$4.49M-8.3%	$5.03M+84.4%	$5.15M+59.8%	$4.31M+15.9%	$4.9M+44.3%
Operating Lease Liability Payments - 2027 (Lessee)	——	——	——	——	——
Operating Lease Liability Payments - 2028 (Lessee)	——	——	——	——	——
Accrued taxes and other expenses	$39.77M+28.4%	$43.4M+33.9%	$30.47M+18.4%	$27.11M+5.9%	$30.96M+54.6%
Tax receivable agreement liability	$35.05M+6.7%	$39.81M+50.2%	$38.7M+54.0%	$37.53M+51.4%	$32.83M+33.6%
Total debt	$10.93M-14.9%	$11.42M-14.1%	$11.91M-13.3%	$12.38M-12.6%	$12.84M-16.3%
Unrecognized Tax Benefits	$100K0.0%	$200K+100%	$100K+81.8%	$100K+81.8%	$100K+81.8%
Unrecognized Tax Benefits - Income Tax Penalties and Interest Accrued	$0—	$0—	$0—	$0—	$0—
Common Stock Shares Outstanding	$1.08M-26.5%	$1.75M+64.1%	$2.65M+648%	$5.43M+12,519%	$1.46M—
Convertible Preferred Stock Authorized Shares	1M0.0%	1M0.0%	1M0.0%	1M0.0%	1M0.0%
Convertible Preferred Stock Issued Shares	0—	0—	0—	0—	0—
Convertible Preferred Stock Outstanding Shares	0—	0—	0—	0—	0—
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	$0—	$0—	$0—	$0—	$0—
Number of Exercisable Options	——	——	——	——	——
Preferred Stock Par Value Per Share	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%
Share-Based Payment Award Options Outstanding - Number	1.8M0.0%	1.8M0.0%	1.8M0.0%	1.8M0.0%	1.8M0.0%
Weighted Average Exercise Price of Exercisable Options	——	——	——	——	——
Weighted Average Exercise Price of Outstanding Options	$13.650.0%	$13.650.0%	$13.650.0%	$13.650.0%	$13.650.0%
Cumulative Cost Basis	$97.18M+25.7%	$92.03M+26.2%	$87.13M+27.2%	$81.95M+26.0%	$77.31M+23.8%
Accrual for services rendered and goods purchased	$11.02M+7.8%	$9.13M-27.5%	$12.87M+67.2%	$11.36M+15.6%	$10.22M+28.4%
Amount due to bank partners	$5.64M—	$6.51M—	$5.11M—	——	——
Equity method investments (Note 11)	$19.15M—	$19.08M—	$18.89M—	$18.57M—	——
Finance receivables originated through the bank partnership arrangements	$4.9M-18.3%	$9M+26.8%	$8.4M-49.7%	$9.1M-49.4%	$6M-57.1%
Unpaid principal balance of finance receivables - accrual	$408.19M+7.8%	$454.54M+15.4%	$443.05M+15.3%	$409.86M+12.7%	$378.73M+9.2%
Aggregate unpaid principal balance	$444.92M+9.4%	$493.12M+16.0%	$481.04M+16.3%	$437.75M+13.1%	$406.58M+9.5%
Financing Receivable, After Allowance for Credit Loss, Before Fair Value Option Adjustment, Nonaccrual Status	$36.73M+31.9%	$38.58M+23.6%	$37.98M+29.3%	$27.89M+18.9%	$27.85M+13.7%
Financing Receivable, Excluding Accrued Interest, After Allowance For Credit Loss, Fair Value Option	$479.87M+10.1%	$528.17M+16.0%	$517.36M+17.1%	$470.22M+13.6%	$435.74M+9.7%
Finance receivables at fair value - accrual	$476.46M+10.0%	$524.58M+15.9%	$513.89M+16.6%	$467.64M+13.2%	$433.14M+9.3%
Finance receivables at fair value - non-accrual	$3.41M+31.5%	$3.59M+23.5%	$3.47M+239%	$2.58M+241%	$2.59M+203%
Accrued interest receivable	$22.69M+19.7%	$18.07M-1.5%	$24.54M+25.1%	$21.27M+27.6%	$18.95M+26.5%
Lessee Operating Lease Liability Payments Due	——	——	——	——	——
Lessee Operating Lease Liability Undiscounted Excess Amount	——	——	——	——	——
Loss Contingency Accrual	——	——	——	——	——
Noncontrolling interests in subsidiaries	$267.33M+24.8%	$250.39M+24.3%	$227.83M+22.9%	$204.35M+11.6%	$214.21M+19.6%
Operating Lease Weighted Average Discount Rate Percent	$0.050.0%	$0.050.0%	$0.050.0%	$0.050.0%	$0.050.0%
Preferred Stock, Par or Stated Value Per Share	$00.0%	$00.0%	$00.0%	$00.0%	$00.0%
Preferred Stock, Shares Authorized	$1M0.0%	$1M0.0%	$1M0.0%	$1M0.0%	$1M0.0%
Preferred Stock, Shares Issued	$0—	$0—	$0—	$0—	$0—
Preferred Stock, Shares Outstanding	$0—	$0—	$0—	$0—	$0—
Ownership interest held, percent	31.1%+1.8%	31.7%+6.1%	32.2%+8.3%	32%+14.3%	29.3%+11.9%
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number	$1.84M0.0%	$1.84M0.0%	$1.84M0.0%	$1.84M0.0%	$1.84M0.0%
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$13.650.0%	$13.650.0%	$13.650.0%	$13.650.0%	$13.650.0%
Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Exercisable Aggregate Intrinsic Value	——	——	——	——	——
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value	$1.08M-26.5%	$1.75M+64.1%	$2.65M+648%	$5.43M+12,519%	$1.46M—
Treasury stock, shares (in shares)	$4.32M+149%	$3.28M+88.7%	$2.45M+40.9%	$1.74M+18.0%	$1.74M+147%
Unrecognized tax benefits	$100K0.0%	$200K+100%	$100K+81.8%	$100K+81.8%	$100K+81.8%
Warrants And Rights Outstanding	$5.16M-85.9%	$26.46M+75.1%	$38.33M+832%	$70.02M+2,523%	$36.72M+2,069%
Remainder of Fiscal Year 2024	——	——	——	——	——

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Questions, answered.

What are OppFi's total assets?: OppFi (OPFI) holds $720.0M in total assets, up 12.5% year over year.
How much debt does OppFi have?: OppFi carries $10.9M in total debt against $75.7M of shareholders' equity, a debt-to-equity ratio of 0.14.
How much cash does OppFi have?: OppFi holds $99.9M in cash and equivalents.
Can OppFi cover its short-term obligations?: Its current ratio is 0.28 — current liabilities exceed current assets.
Where does OppFi's balance sheet data come from?: Every line is extracted from OppFi's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.