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OppFi OPFI Total debt

Total debt at other companies

Enova International logo
Enova InternationalENVA
$4.86B+28.4%
Upstart Holdings, Inc. logo
Upstart Holdings, Inc.UPST
$1.94B+40.3%
Oaktree Specialty Lending logo
Oaktree Specialty LendingOCSL
$1.48B+2.3%
World Acceptance logo
World AcceptanceWRLD
$73.96M-6.0%
Blue Owl Technology Finance Corp. logo
Blue Owl Technology Finance Corp.OTF
$6.9B+34.6%
Q2 Holdings logo
Q2 HoldingsQTWO
$343.9M+45.3%

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 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/S+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

Computed from long term debt + current portion long term debt + short term borrowings + operating lease liabilities + finance lease liabilities + financing obligations: $10.93M.

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 total debt?
OppFi (OPFI) reported total debt of $10.93M in Q1 2026.
How has OppFi's total debt changed year-over-year?
OppFi's total debt decreased by 14.9% year-over-year, from $12.84M to $10.93M.
What is the long-term trend for OppFi's total debt?
Over 4 years (2020 to 2025), OppFi's total debt has grown at a 15.8% compound annual growth rate (CAGR), from $6.35M to $11.42M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.