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OppFi OPFI Net debt / EBITDA

Net debt / EBITDA at other companies

Enova International logo
Enova InternationalENVA
5.8×+0.2×
Upstart Holdings, Inc. logo
Upstart Holdings, Inc.UPST
15.8×—
World Acceptance logo
World AcceptanceWRLD
0.7×+0.2×
Q2 Holdings logo
Q2 HoldingsQTWO
1.1×+0.6×
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
-0.9×-1.2×
Blue Owl Capital logo
Blue Owl CapitalOWL
4.4×+0.2×

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.

net debt/ebitda=-0.5×

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 net debt / EBITDA?
OppFi (OPFI) reported net debt / EBITDA of -0.5× in Q1 2026.
How has OppFi's net debt / EBITDA changed year-over-year?
OppFi's net debt / EBITDA increased by 1.9% year-over-year, from -0.6× to -0.5×.
What is the long-term trend for OppFi's net debt / EBITDA?
Over 3 years (2022 to 2025), OppFi's net debt / EBITDA has grown at a -52.2% compound annual growth rate (CAGR), from -4.4× to -0.5×.
What does net debt / EBITDA mean?
Net debt (total debt minus cash) divided by trailing-twelve-month EBITDA. Expresses leverage in years — roughly how long it would take to repay net debt out of operating cash earnings.