What is OppFi's debt-to-assets?

OppFi (OPFI) reported debt-to-assets of 0× in Q1 2026.

How has OppFi's debt-to-assets changed year-over-year?

OppFi's debt-to-assets decreased by 24.4% year-over-year, from 0× to 0×.

What is the long-term trend for OppFi's debt-to-assets?

Over 4 years (2020 to 2025), OppFi's debt-to-assets has grown at a -9.2% compound annual growth rate (CAGR), from 0× to 0×.

What does debt-to-assets mean?

Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.

OppFi OPFI Debt-to-assets

Debt-to-assets at other companies

Enova InternationalENVA

0.7×0.0×

Upstart Holdings, Inc.UPST

0.7×+0.1×

Oaktree Specialty LendingOCSL

0.5×0.0×

World AcceptanceWRLD

0.1×0.0×

Blue Owl Technology Finance Corp.OTF

0.5×+0.1×

Q2 HoldingsQTWO

0.3×+0.1×

Other financials

Income statement

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Revenue$87.3M-3.9%

Operating income$35.4M-16.8%

Net income$28.4M+350%

EPS (diluted)$0.56+217%

Balance sheet

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Cash & equivalents$99.9M+10.1%

Total debt$10.9M-14.9%

Total equity$75.7M+235%

Total assets$720.0M+12.5%

Cash flow

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Operating cash flow$90.8M+8.4%

CapEx$5.1M+17.2%

Free cash flow$85.6M+7.9%

Valuation

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Market cap$751.46M+123%

Enterprise value$662.47M+156%

P/E11.4×-22.5×

P/S2×+1.0×

Profitability

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Operating margin42.2%+4.5pp

Net margin17.5%+14.7pp

FCF margin102.9%+11.8pp

Returns & leverage

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Return on equity134.6%+85.9pp

Debt / equity0.1×-0.4×

Current ratio0.3×—

Where this comes from

Calculated from OppFi’s reported figures.

total debt/total assets=0×

Based on the most recent quarter.

The official record: OppFi’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OppFi's debt-to-assets?: OppFi (OPFI) reported debt-to-assets of 0× in Q1 2026.
How has OppFi's debt-to-assets changed year-over-year?: OppFi's debt-to-assets decreased by 24.4% year-over-year, from 0× to 0×.
What is the long-term trend for OppFi's debt-to-assets?: Over 4 years (2020 to 2025), OppFi's debt-to-assets has grown at a -9.2% compound annual growth rate (CAGR), from 0× to 0×.
What does debt-to-assets mean?: Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.