OppFi (OPFI) Equity Ratio (2020 - 2026)
OppFi (OPFI) posted quarterly Equity Ratio of 0.48 for Q1 2026, up 28.78% YoY from 0.37 in Q1 2025, and up 16.3% sequentially from 0.41 in Q4 2025.
OppFi (OPFI) Equity Ratio (2020 - 2026) Analysis & Trends
OppFi has disclosed Equity Ratio across 7 years of filings, most recently posting 0.48 for Q1 2026.
- In Q1 2026, Equity Ratio rose 28.78% year-over-year to 0.48; the TTM figure through Mar 2026 stood at 0.48 (up 28.78% YoY), while the FY2025 annual figure was 0.41, up 12.13% from the prior year.
- Equity Ratio grew to 0.48 in Q1 2026, from 0.41 in the prior quarter.
- Over the last five years, Equity Ratio for OPFI reached as high as 0.48 in Q1 2026 and fell as low as 0.07 in Q3 2025.
- The 5-year median for Equity Ratio is 0.32 (2023), against an average of 0.32.
- Annual changes were most pronounced in 2022 — Equity Ratio jumped 1391.98% — and 2025, when it sank 80.72%.
- A 5-year view of Equity Ratio shows it stood at 0.27 in 2022, then increased by 17.52% to 0.32 in 2023, then increased by 13.25% to 0.37 in 2024, then gained by 12.13% to 0.41 in 2025, then rose by 16.3% to 0.48 in 2026.
- According to Business Quant data, Equity Ratio over the past three periods registered 0.48, 0.41, and 0.07 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Equity Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 0.38 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 0.13 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 0.11 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 0.25 |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.29 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 0.20 |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.08 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 0.18 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 0.66 |
| 10 | OppFi | - | - | 76.91 Mn | 0.48 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.48 |
| Dec 31, 2025 | 0.41 |
| Sep 30, 2025 | 0.07 |
| Jun 30, 2025 | 0.32 |
| Mar 31, 2025 | 0.37 |
| Dec 31, 2024 | 0.37 |
| Sep 30, 2024 | 0.36 |
| Jun 30, 2024 | 0.35 |
| Mar 31, 2024 | 0.35 |
| Dec 31, 2023 | 0.32 |
| Sep 30, 2023 | 0.32 |
| Jun 30, 2023 | 0.31 |
| Mar 31, 2023 | 0.29 |
| Dec 31, 2022 | 0.27 |
| Sep 30, 2022 | 0.29 |
| Jun 30, 2022 | 0.29 |
| Mar 31, 2022 | 0.31 |
| Dec 31, 2021 | 0.31 |
| Sep 30, 2021 | 0.31 |
| Jun 30, 2021 | 0.73 |