OppFi Inc (OPFI) - Net Assets
Based on the latest financial reports, OppFi Inc (OPFI) has net assets worth $342.98 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($719.99 Million) and total liabilities ($377.00 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check OPFI strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $342.98 Million |
| % of Total Assets | 47.64% |
| Annual Growth Rate | 42.13% |
| 5-Year Change | 95.64% |
| 10-Year Change | N/A |
| Growth Volatility | 54.4 |
OppFi Inc - Net Assets Trend (2019–2025)
This chart illustrates how OppFi Inc's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see OppFi Inc (OPFI) total market value.
Annual Net Assets for OppFi Inc (2019–2025)
The table below shows the annual net assets of OppFi Inc from 2019 to 2025. Also explore how fast is OppFi Inc growing its equity to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $308.88 Million | +31.88% |
| 2024-12-31 | $234.21 Million | +20.71% |
| 2023-12-31 | $194.03 Million | +21.92% |
| 2022-12-31 | $159.15 Million | +0.81% |
| 2021-12-31 | $157.88 Million | +58.94% |
| 2020-12-31 | $99.33 Million | +165.26% |
| 2019-12-31 | $37.45 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to OppFi Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 209.6% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $9.00K | 0.02% |
| Other Components | $91.98 Million | 157.27% |
| Total Equity | $58.48 Million | 100.00% |
OppFi Inc Competitors by Market Cap
The table below lists competitors of OppFi Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ningbo Bohui Chemical Technology
SHE:300839
|
$557.66 Million |
|
Nantong Xingqiu Graphite Co. Ltd. A
SHG:688633
|
$557.80 Million |
|
Jiangsu Yueda Investment Co Ltd
SHG:600805
|
$557.82 Million |
|
Shanghai GuAo Electronic Technology Co Ltd
SHE:300551
|
$557.83 Million |
|
Jiangsu Jiangnan High Polymer Fiber Co Ltd
SHG:600527
|
$557.50 Million |
|
Lao Feng Xiang Co Ltd B
SHG:900905
|
$557.46 Million |
|
Sinoma Energy Conservation Ltd
SHG:603126
|
$557.45 Million |
|
ALLIANZ TECHNO.TR.LS-025
F:28X
|
$557.41 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in OppFi Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 32,774,000 to 58,484,000, a change of 25,710,000 (78.4%).
- Net income of 26,329,000 contributed positively to equity growth.
- Dividend payments of 64,914,000 reduced retained earnings.
- Share repurchases of 15,517,000 reduced equity.
- Other factors increased equity by 79,812,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $26.33 Million | +45.02% |
| Dividends Paid | $64.91 Million | -110.99% |
| Share Repurchases | $15.52 Million | -26.53% |
| Other Changes | $79.81 Million | +136.47% |
| Total Change | $- | 78.45% |
Book Value vs Market Value Analysis
This analysis compares OppFi Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.96x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 2.26x to 2.96x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $2.89 | $6.53 | x |
| 2020-12-31 | $0.78 | $6.53 | x |
| 2021-12-31 | $11.94 | $6.53 | x |
| 2022-12-31 | $-0.01 | $6.53 | x |
| 2023-12-31 | $0.64 | $6.53 | x |
| 2024-12-31 | $1.63 | $6.53 | x |
| 2025-12-31 | $2.21 | $6.53 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently OppFi Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 45.02%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 4.41%
- • Asset Turnover: 0.79x
- • Equity Multiplier: 12.89x
- Recent ROE (45.02%) is above the historical average (34.27%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 88.11% | 30.75% | 0.37x | 7.65x | $29.25 Million |
| 2020 | 78.04% | 26.64% | 1.02x | 2.88x | $67.58 Million |
| 2021 | 16.19% | 7.29% | 0.70x | 3.18x | $9.77 Million |
| 2022 | 0.00% | 1.57% | 0.78x | 0.00x | $7.15 Million |
| 2023 | -9.63% | -0.20% | 0.85x | 57.62x | $-2.05 Million |
| 2024 | 22.15% | 1.38% | 0.82x | 19.56x | $3.98 Million |
| 2025 | 45.02% | 4.41% | 0.79x | 12.89x | $20.48 Million |
Industry Comparison
This section compares OppFi Inc's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,806,858,465
- Average return on equity (ROE) among peers: -9.54%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| OppFi Inc (OPFI) | $342.98 Million | 88.11% | 1.10x | $557.62 Million |
| Affirm Holdings Inc (AFRM) | $2.53 Billion | -38.88% | 2.22x | $21.14 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $1.49 Billion | 13.91% | 20.04x | $2.06 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $47.20 Million | 1.69% | 11.77x | $154.62 Million |
| Ally Financial Inc (ALLY) | $12.86 Billion | 13.33% | 13.92x | $12.34 Billion |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $79.49 Million |
| Atlanticus Holdings Corporation (ATLC) | $61.82 Million | -157.73% | 13.25x | $1.41 Billion |
| American Express Company (AXP) | $16.02 Billion | 21.50% | 11.12x | $212.59 Billion |
| Bread Financial Holdings, Inc. (BFH) | $3.05 Billion | 9.08% | 6.50x | $4.12 Billion |
| Credit Acceptance Corporation (CACC) | $288.44 Million | 8.55% | 1.99x | $6.04 Billion |
| Capital One Financial Corporation (COF) | $1.52 Billion | 23.96% | 7.80x | $124.19 Billion |
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.