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 working capital to net assets of OppFi Inc to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2019–2025)
This chart shows how OppFi Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see OPFI current and non-current assets.
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. Explore OPFI long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Oportun Financial Corp
NASDAQ:OPRT |
Credit Services | 0.00% |
|
Gentera S.A.B. de C.V
MX:GENTERA |
Credit Services | 0.95% |
|
Krungthai Card Public Company Limited
BK:KTC-R |
Credit Services | 0.00% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Blender Financial Technologies Ltd
TA:BLND |
Credit Services | 1.42% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Liberty Financial Group
AU:LFG |
Credit Services | 4.96% |
Annual Asset Resilience Ratio for OppFi Inc (2019–2025)
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.