What is OppFi's debt-to-equity?

OppFi (OPFI) reported debt-to-equity of 0.1× in Q1 2026.

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

OppFi's debt-to-equity decreased by 74.6% year-over-year, from 0.6× to 0.1×.

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

Over 3 years (2020 to 2025), OppFi's debt-to-equity has grown at a -46.4% compound annual growth rate (CAGR), from 1.3× to 0.2×.

What does debt-to-equity mean?

Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.

OppFi OPFI Debt-to-equity

Debt-to-equity at other companies

Enova InternationalENVA

3.5×+0.3×

Upstart Holdings, Inc.UPST

2.6×+0.6×

Oaktree Specialty LendingOCSL

1.1×+0.1×

World AcceptanceWRLD

0.2×0.0×

Blue Owl Technology Finance Corp.OTF

0.9×+0.3×

Q2 HoldingsQTWO

0.6×+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

See full

Return on equity134.6%+85.9pp

Current ratio0.3×—

Where this comes from

Calculated from OppFi’s reported figures.

total debt/total stockholders equity=0.1×

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-equity?: OppFi (OPFI) reported debt-to-equity of 0.1× in Q1 2026.
How has OppFi's debt-to-equity changed year-over-year?: OppFi's debt-to-equity decreased by 74.6% year-over-year, from 0.6× to 0.1×.
What is the long-term trend for OppFi's debt-to-equity?: Over 3 years (2020 to 2025), OppFi's debt-to-equity has grown at a -46.4% compound annual growth rate (CAGR), from 1.3× to 0.2×.
What does debt-to-equity mean?: Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.