OppFi Inc Asset Resilience Ratio
OppFi Inc asset resilience ratio. OppFi Inc (OPFI) has an Asset Resilience Ratio of 6.56% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See how many days can OppFi Inc fund operations to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of OppFi Inc (2019–2025)
Asset resilience ratio of OppFi Inc from 2019 to 2025. This chart shows how OppFi Inc's Asset Resilience Ratio has changed over time. Read total liabilities of OppFi Inc for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down OppFi Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see OppFi Inc balance sheet assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $49.45 Million | 6.56% |
| Short-term Investments | $0.00 | 0% |
| Total Liquid Assets | $49.45 Million | 6.56% |
Asset Resilience Insights
- Limited Liquidity: OppFi Inc maintains only 6.56% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
OppFi Inc Industry Peers by Asset Resilience Ratio
Compare OppFi Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Krungthai Card PCL
BK:KTC |
Credit Services | 92.33% |
|
Mastercard Inc
NYSE:MA |
Credit Services | 0.60% |
|
Indian Railway Finance Corporation Limited
NSE:IRFC |
Credit Services | 0.09% |
|
Best SA
WAR:BST |
Credit Services | 3.86% |
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Litigation Capital Management Limited
LSE:LIT |
Credit Services | 78.61% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Credit Corp Group Ltd
AU:CCP |
Credit Services | 4.06% |
OppFi Inc Asset Resilience Ratio by Year (2019–2025)
OppFi Inc asset resilience ratio by year from 2019 to 2025. The table below shows the annual Asset Resilience Ratio data for OppFi Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 6.56% | $49.45 Million | $754.09 Million | -3.01pp |
| 2024-12-31 | 9.57% | $61.34 Million | $641.17 Million | -2.72pp |
| 2023-12-31 | 12.29% | $73.94 Million | $601.54 Million | +3.73pp |
| 2022-12-31 | 8.57% | $49.67 Million | $579.84 Million | +3.57pp |
| 2021-12-31 | 4.99% | $25.06 Million | $502.11 Million | -4.05pp |
| 2020-12-31 | 9.04% | $25.84 Million | $285.84 Million | +3.18pp |
| 2019-12-31 | 5.86% | $16.79 Million | $286.63 Million | -- |
About OppFi Inc
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.