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

OppFi (OPFI) reported Debt to Equity of $0.83 for Q1 2026, down 31.86% year-over-year from $1.22 in Q1 2025, and down 20.34% quarter-over-quarter from $1.04 in Q4 2025.

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

OppFi (OPFI) has 7 years of Debt to Equity data on file, last reported at $0.83 in Q1 2026.

  • Debt to Equity for Q1 2026 came in at $0.83, down 31.86% year-over-year; the trailing twelve-month figure through Mar 2026 was $0.83 (down 31.86% YoY), and the FY2025 annual result was $1.04, down 23.56% from the prior year.
  • Debt to Equity slipped to $0.83 in Q1 2026 per OPFI's latest filing, from $1.04 in the prior quarter.
  • Over five years, Debt to Equity peaked at $6.49 in Q3 2025 and troughed at $0.03 in Q2 2022.
  • A 5-year average of $1.77 and a median of $1.52 in 2024 frame the typical range for Debt to Equity.
  • The sharpest annual moves came in 2023 and 2026: Debt to Equity surged 5957.68% in 2023, then tumbled 31.86% in 2026.
  • 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.
  • Business Quant data shows OPFI's Debt to Equity at $0.83 in Q1 2026, $1.04 in Q4 2025, and $6.49 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt/Equity (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 0.67
2 Mastercard 437.55 Bn 427.34 Bn - 2.82
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 0.05
4 Capital One Financial 112.47 Bn 35.97 Bn - 0.34
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 0.47
6 Synchrony Financial 24.26 Bn 3.70 Bn - 0.46
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.64
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.26
10 OppFi 222.53 Mn 425.99 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