OppFi (OPFI) Debt to Equity (2020 - 2026)
OppFi (OPFI) 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) 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 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 | - | - | 76.91 Mn | 0.83 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 |