OppFi Inc (OPFI) — Defensive Interval Ratio
OppFi Inc (OPFI) has a Defensive Interval Ratio of 2529 days as of December 2025. Defensive assets of $595.69 Million (cash $49.45 Million, short-term investments $-, receivables $546.24 Million) cover 2529 days of daily cash needs of $235.57K/day. See OppFi Inc working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
OppFi Inc Defensive Interval Ratio (2019–2025)
This chart shows how OppFi Inc's Defensive Interval Ratio has evolved across 7 annual periods from 2019 to 2025. As of December 2025, the ratio stands at 2529 days, meaning defensive assets of $595.69 Million can fund 2529 days of operations without new revenue. See how leveraged is OppFi Inc's balance sheet to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for OppFi Inc (2019–2025)
The table below presents the year-by-year Defensive Interval Ratio for OppFi Inc from 2019 to 2025, covering 7 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see OPFI company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 2529 days | $595.69 Million | $235.57K/day | $49.45 Million | $- | ▼ -750 days |
| 2024 | 3278 days | $537.08 Million | $163.83K/day | $61.34 Million | $- | ▼ -546 days |
| 2023 | 3824 days | $539.28 Million | $141.02K/day | $31.79 Million | $42.15 Million | ▲ +453 days |
| 2022 | 3371 days | $509.61 Million | $151.19K/day | $49.67 Million | $- | ▲ +777 days |
| 2021 | 2594 days | $413.17 Million | $159.28K/day | $25.06 Million | $- | ▲ +556 days |
| 2020 | 2038 days | $248.09 Million | $121.73K/day | $25.60 Million | $243.38K | ▼ -3995 days |
| 2019 | 6034 days | $253.80 Million | $42.07K/day | $16.79 Million | $- | — |