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OppFi OPFI Restricted Cash

Restricted Cash at other companies

Enova International logo
Enova InternationalENVA
$342.99M+5.9%
Upstart Holdings, Inc. logo
Upstart Holdings, Inc.UPST
$526.32M+72.3%
Oportun Financial Corporation logo
Oportun Financial CorporationOPRT
$72.84M-44.6%
Oaktree Specialty Lending logo
Oaktree Specialty LendingOCSL
$0-100%
LPR
LPROLPRO
$11.64M+9.6%
SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
$439.32M-25.8%

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$802.7M+167%
Enterprise value$713.71M+204%
P/E12.1×-77.2×
P/S2.1×+1.3×

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

Reported directly by OppFi in its filing.

Tagged under the XBRL concept us-gaap:RestrictedCashAndCashEquivalents.

The source filing: OppFi’s 10-Q, filed May 7, 2026.

Filed
May 7, 2026, 5:23 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001818502-26-000056
Line itemMarch 31, 2026December 31, 2025
Assets
Cash(1)$63,865$49,451
Restricted cash(1)36,05543,812
Total cash and restricted cash99,92093,263
Finance receivables at fair value(1)502,558546,236
Equity method investment19,14519,076
Debt issuance costs, net(1)4,4905,034
Property, equipment and software, net32,18427,628

Item 1. Financial Statements (Unaudited)

FAQ

What is OppFi's restricted cash?
OppFi (OPFI) reported restricted cash of $36.06M in Q1 2026.
How has OppFi's restricted cash changed year-over-year?
OppFi's restricted cash increased by 9.9% year-over-year, from $32.81M to $36.06M.
What is the long-term trend for OppFi's restricted cash?
Over 5 years (2020 to 2025), OppFi's restricted cash has grown at a 16.9% compound annual growth rate (CAGR), from $20.06M to $43.81M.
What does restricted cash mean?
Cash restricted for specific purposes by contractual, regulatory, or legal requirements — not available for general corporate use.

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