OppFi Inc (OPFI) — Financial Flexibility Index
OppFi Inc (OPFI) has a Financial Flexibility Index of 0.25x as of March 2026. Free cash flow of $95.93 Million (operating CF $90.78 Million minus capex $5.15 Million) represents 0% of total liabilities ($377.00 Million). Check OPFI cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
OppFi Inc Financial Flexibility Index (2019–2025)
Historical Financial Flexibility Index trend for OppFi Inc across 7 annual periods. For the full cash flow conversion analysis, see OppFi Inc (OPFI) cash conversion ratio.
Annual Financial Flexibility Index for OppFi Inc (2019–2025)
Year-by-year free cash flow to debt coverage for OppFi Inc. Explore debt repayment capacity of OppFi Inc to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.94x | $420.42 Million | $401.31 Million | $445.21 Million | ▲ +14.1% |
| 2024 | 0.83x | $336.82 Million | $323.81 Million | $406.96 Million | ▲ +10.5% |
| 2023 | 0.75x | $305.14 Million | $296.15 Million | $407.51 Million | ▲ +22.8% |
| 2022 | 0.61x | $256.55 Million | $243.30 Million | $420.69 Million | ▲ +15.5% |
| 2021 | 0.53x | $181.72 Million | $167.35 Million | $344.23 Million | ▼ -51.5% |
| 2020 | 1.09x | $202.83 Million | $192.11 Million | $186.51 Million | ▲ +74.2% |
| 2019 | 0.62x | $155.56 Million | $148.92 Million | $249.18 Million | — |