OppFi Inc (OPFI) — Cash Flow Quality Index
Latest as of March 2026:
1.68x
OppFi Inc (OPFI) has a Cash Flow Quality Index of 1.68x as of March 2026. Operating cash flow of $90.78 Million exceeds net income of $54.04 Million, indicating high earnings quality where cash backs reported profits. Explore cash flow to debt ratio of OppFi Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
1.68x
Operating CF / Net Income
Operating Cash Flow
$90.78 Million
USD
Net Income
$54.04 Million
USD
Data as of
Mar 2026
Most recent filing
OppFi Inc Cash Flow Quality Index (2018–2025)
Historical Cash Flow Quality Index for OppFi Inc across 7 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does OppFi Inc generate cash.
Annual Cash Flow Quality Index for OppFi Inc (2018–2025)
Year-by-year earnings quality comparison for OppFi Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.74x | $401.31 Million | $146.25 Million | ▼ -29.0% |
| 2024 | 3.86x | $323.81 Million | $83.84 Million | ▼ -94.7% |
| 2022 | 72.84x | $243.30 Million | $3.34 Million | ▲ +3808.7% |
| 2021 | 1.86x | $167.35 Million | $89.80 Million | ▼ -24.8% |
| 2020 | 2.48x | $192.11 Million | $77.52 Million | ▼ -45.1% |
| 2019 | 4.51x | $148.92 Million | $32.99 Million | ▼ -30.3% |
| 2018 | 6.48x | $63.03 Million | $9.73 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.