OppFi (OPFI-WT) Debt to Equity (2020 - 2026)

OppFi (OPFI-WT) posted quarterly Debt to Equity of $0.83 for Q1 2026, down 31.86% YoY from $1.22 in Q1 2025, and down 20.34% sequentially from $1.04 in Q4 2025.

OppFi (OPFI-WT) Debt to Equity (2020 - 2026) Analysis & Trends

OppFi has disclosed Debt to Equity across 7 years of filings, most recently posting $0.83 for Q1 2026.

  • In Q1 2026, Debt to Equity fell 31.86% year-over-year to $0.83; the TTM figure through Mar 2026 stood at $0.83 (down 31.86% YoY), while the FY2025 annual figure was $1.04, down 23.56% from the prior year.
  • Debt to Equity declined to $0.83 in Q1 2026, from $1.04 in the prior quarter.
  • Over the last five years, Debt to Equity for OPFI-WT reached as high as $6.49 in Q3 2025 and fell as low as $0.03 in Q2 2022.
  • The 5-year median for Debt to Equity is $1.52 (2024), against an average of $1.77.
  • Annual changes were most pronounced in 2023 — Debt to Equity surged 5957.68% — and 2026, when it sank 31.86%.
  • A 5-year view of Debt to Equity shows it stood at $2.17 in 2022, then declined by 20.84% to $1.71 in 2023, then dropped by 20.62% to $1.36 in 2024, then retreated by 23.56% to $1.04 in 2025, then decreased by 20.34% to $0.83 in 2026.
  • According to Business Quant data, Debt to Equity over the past three periods registered $0.83, $1.04, and $6.49 for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt/Equity (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 0.67
2 Mastercard 465.55 Bn 455.34 Bn - 2.82
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 0.05
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 0.47
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 0.64
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn -
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.26
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 3.39
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 5.33
10 OppFi 1.07 Mn 204.53 Mn 76.91 Mn 0.83

Historic Data

Download Data
DateValue
Mar 31, 2026 0.83
Dec 31, 2025 1.04
Sep 30, 2025 6.49
Jun 30, 2025 1.41
Mar 31, 2025 1.22
Dec 31, 2024 1.36
Sep 30, 2024 1.48
Jun 30, 2024 1.50
Mar 31, 2024 1.52
Dec 31, 2023 1.71
Sep 30, 2023 1.80
Jun 30, 2023 1.88
Mar 31, 2023 2.02
Dec 31, 2022 2.17
Sep 30, 2022 2.05
Jun 30, 2022 0.03
Mar 31, 2022 1.67
Dec 31, 2021 1.59
Sep 30, 2021 0.14
Dec 31, 2020 0.06