OppFi Inc (OPFI) - Net Assets
Based on the latest financial reports, OppFi Inc (OPFI) has net assets worth $277.25 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($720.62 Million) and total liabilities ($443.36 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 cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $277.25 Million |
| % of Total Assets | 38.47% |
| Annual Growth Rate | 44.27% |
| 5-Year Change | 135.79% |
| 10-Year Change | N/A |
| Growth Volatility | 58.94 |
OppFi Inc - Net Assets Trend (2019–2024)
This chart illustrates how OppFi Inc's net assets have evolved over time, based on quarterly financial data. Also explore OPFI current and non-current assets for the complete picture of this company's asset base.
Annual Net Assets for OppFi Inc (2019–2024)
The table below shows the annual net assets of OppFi Inc from 2019 to 2024. For live valuation and market cap data, see OPFI market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 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 280.3% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $9.00K | 0.03% |
| Other Components | $87.89 Million | 268.18% |
| Total Equity | $32.77 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 |
|---|---|
|
R&B FOOD SUPPLY
BK:RBF-R
|
$263.19 Million |
|
Eveready Industries India Limited
NSE:EVEREADY
|
$263.38 Million |
|
Roche Bobois
PA:RBO
|
$263.43 Million |
|
Suprema Inc
KQ:236200
|
$263.44 Million |
|
Zippy Technology Corp
TW:2420
|
$263.07 Million |
|
Afrimat
JSE:AFT
|
$262.88 Million |
|
Good Will Instrument Co Ltd
TW:2423
|
$262.76 Million |
|
Shandong Jining Ruyi Woolen Textile Co Ltd
SHE:002193
|
$262.72 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 2023 to 2024, total equity changed from 10,440,000 to 32,774,000, a change of 22,334,000 (213.9%).
- Net income of 7,258,000 contributed positively to equity growth.
- Dividend payments of 2,374,000 reduced retained earnings.
- Share repurchases of 3,551,000 reduced equity.
- Other factors increased equity by 21,001,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $7.26 Million | +22.15% |
| Dividends Paid | $2.37 Million | -7.24% |
| Share Repurchases | $3.55 Million | -10.83% |
| Other Changes | $21.00 Million | +64.08% |
| Total Change | $- | 213.93% |
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: 5.85x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 3.30x to 5.85x 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 | $9.51 | x |
| 2020-12-31 | $0.78 | $9.51 | x |
| 2021-12-31 | $-0.68 | $9.51 | x |
| 2022-12-31 | $-0.01 | $9.51 | x |
| 2023-12-31 | $0.64 | $9.51 | x |
| 2024-12-31 | $1.63 | $9.51 | 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): 22.15%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 1.38%
- • Asset Turnover: 0.82x
- • Equity Multiplier: 19.56x
- Recent ROE (22.15%) is below the historical average (29.78%), suggesting potential challenges in 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 | 0.00% | 7.29% | 0.70x | 0.00x | $26.46 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 |
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: $4,949,099,118
- Average return on equity (ROE) among peers: 3.80%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| OppFi Inc (OPFI) | $277.25 Million | 88.11% | 1.60x | $263.09 Million |
| Affirm Holdings Inc (AFRM) | $2.53 Billion | -38.88% | 2.22x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $248.49 Million | 12.88% | 18.94x | $1.63 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $183.57 Million | 12.39% | 22.00x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $79.94 Million | -16.55% | 0.35x | $3.53 Million |
| Ally Financial Inc (ALLY) | $21.85 Billion | 8.55% | 7.67x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $12.71 Million | -51.81% | 56.59x | $210.67 Million |
| Atlanticus Holdings Corporation (ATLC) | $54.50 Million | 46.61% | 0.61x | $958.76 Million |
| American Express Company (AXP) | $22.00 Billion | 31.46% | 7.59x | $219.50 Billion |
| Bread Financial Holdings, Inc. (BFH) | $2.18 Billion | 27.40% | 9.26x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $346.20 Million | 5.95% | 0.23x | $5.39 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. The company was founded in 2012 and is based in Chicago, Illinois.