OppFi (OPFI) Balance Sheet: Assets & Liabilities

OppFi (OPFI) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), OppFi reported total assets of $754.09M and total liabilities of $445.21M. Shareholders' equity was $58.48M, up 78.4% from $32.77M a year earlier. Total debt stood at $321.35M against $49.45M in cash and short-term investments, a net debt position of $271.90M. That puts debt-to-equity at 5.49, compared with 9.73 a year earlier.

OppFi Balance Sheet Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for OppFi Inc. (OPFI) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Current Assets
Cash and Cash Equivalents	49.45	61.34	31.79	16.24	25.06	45.66	16.79
Cash & Short-Term Investments	49.45	61.34	31.79	49.67	25.06	45.66	16.79
Accounts Receivable	546.24	475.73	465.33	457.94	388.11	222.24	0.00
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	43.81	26.94	42.15	0.55	37.30	20.06	0.00
Total Current Assets	639.50	564.02	539.28	510.16	450.47	267.90	16.79
Non-Current Assets
Property, Plant & Equipment (Net)	36.46	24.26	22.47	27.63	14.64	10.56	6.57
Long-Term Investments	19.08	19.19	1.90	0.00	0.00	0.00	0.00
Other Non-Current Assets	26.41	12.36	12.11	42.05	11.40	4.79	263.27
Total Non-Current Assets	114.59	77.15	62.27	69.68	51.63	17.94	269.84
Total Assets	754.09	641.17	601.54	579.84	502.11	285.84	286.63
Current Liabilities
Accounts Payable	2.77	0.88	4.44	6.34	6.10	1.38	0.00
Short-Term Debt	0.00	0.00	0.00	0.76	22.44	20.03	0.00
Current Portion of Long-Term Debt	-	29.93	-	0.76	22.44	20.03	-
Accrued Liabilities	43.40	32.41	22.01	23.22	29.60	20.66	-
Other Current Liabilities	83.21	32.41	22.01	1.89	29.60	2.13	15.35
Total Current Liabilities	85.98	59.80	51.47	31.45	58.14	44.43	15.35
Non-Current Liabilities
Long-Term Debt	321.35	318.76	349.18	347.06	251.58	138.08	223.90
Other Non-Current Liabilities	26.46	15.11	6.86	25.63	34.51	0.00	9.93
Total Non-Current Liabilities	359.23	347.16	356.04	389.24	286.09	142.08	233.83
Total Liabilities	445.21	406.96	407.51	420.69	344.23	186.51	249.18
Stockholders' Equity
Common Stock	0.01	0.01	0.01	0.01	0.01	217.18	0.00
Retained Earnings	-33.51	-55.13	-63.59	-63.55	-70.72	92.32	30.58
Accumulated Other Comprehensive Income	0.00	0.00	0.00	0.00	0.00	-217.18	0.00
Treasury Stock	21.53	6.01	2.46	2.46	-	-	-
Additional Paid-in Capital	113.51	93.90	74.02	65.50	61.67	0.35	0.21
Minority Interest	250.39	201.44	183.59	159.64	166.92	0.00	0.00
Shares Outstanding	27.27	22.04	18.85	14.76	13.63	-	-
Total Stockholders' Equity	58.48	32.77	10.44	159.15	-9.04	99.33	37.45
Total Liabilities & Equity	754.09	641.17	601.54	579.84	502.11	285.84	286.63

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About OppFi Balance Sheet

How much debt does OppFi have?

OppFi had total debt of $321.35M as of Dec 31, 2025, against $49.45M in cash and short-term investments. Its debt-to-equity ratio was 5.49. Total debt was $318.76M a year earlier.

What are OppFi's total assets?

OppFi reported total assets of $754.09M as of Dec 31, 2025, up 17.6% from $641.17M a year earlier. Total liabilities were $445.21M.

What is OppFi's shareholders' equity?

OppFi's shareholders' equity was $58.48M as of Dec 31, 2025, or about $2.14 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition