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.
OppFi Inc (OPFI) - Total Assets
Latest total assets as of September 2025: $720.62 Million USD
Based on the latest financial reports, OppFi Inc (OPFI) holds total assets worth $720.62 Million USD as of September 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
OppFi Inc - Total Assets Trend (2019–2024)
This chart illustrates how OppFi Inc’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
OppFi Inc - Asset Composition Analysis
Current Asset Composition (December 2024)
OppFi Inc's total assets of $720.62 Million consist of 88.0% current assets and 12.0% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $61.34 Million | 9.6% |
| Accounts Receivable | $475.73 Million | 74.2% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $24.26 Million | 3.8% |
| Intangible Assets | $0.00 | 0.0% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (2019–2024)
This chart illustrates how OppFi Inc's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: OppFi Inc's current assets represent 88.0% of total assets in 2024, an increase from 5.9% in 2019.
- Cash Position: Cash and equivalents constituted 9.6% of total assets in 2024, up from 5.9% in 2019.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2019.
- Asset Diversification: The largest asset category is accounts receivable at 74.2% of total assets.
OppFi Inc Competitors by Total Assets
Key competitors of OppFi Inc based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Evergreen Max Cash Capital Berhad
KLSE:0286
|
Malaysia | RM361.11 Million |
|
Samsung Card Co. Ltd.
KO:029780
|
Korea | ₩32.17 Trillion |
|
Yiren Digital Ltd
F:19YA
|
Germany | €14.45 Billion |
|
Yixin Group Limited
F:1YX
|
Germany | €50.34 Billion |
|
BFF Bank S.p.A
F:2BF
|
Germany | €12.13 Billion |
|
Resurs Holding AB (publ)
F:4R6
|
Germany | €50.33 Billion |
|
Aeon Credit Service Bhd
KLSE:5139
|
Malaysia | RM15.62 Billion |
OppFi Inc - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Strong asset utilization - OppFi Inc generates 0.82x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, OppFi Inc generates $ 1.13 in net profit.
OppFi Inc - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 8.54 | 9.73 | 6.03 |
| Quick Ratio | 8.10 | 9.73 | 6.03 |
| Cash Ratio | 0.63 | 0.81 | 0.00 |
| Working Capital | $544.82 Million | $ 485.25 Million | $ 223.47 Million |
OppFi Inc - Advanced Valuation Insights
This section examines the relationship between OppFi Inc's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 4.99 |
| Latest Market Cap to Assets Ratio | 0.32 |
| Asset Growth Rate (YoY) | 6.6% |
| Total Assets | $641.17 Million |
| Market Capitalization | $205.52 Million USD |
Valuation Analysis
Below Book Valuation: The market values OppFi Inc's assets below their book value (0.32 x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: OppFi Inc's assets grew by 6.6% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for OppFi Inc (2019–2024)
The table below shows the annual total assets of OppFi Inc from 2019 to 2024.
| Year | Total Assets | Change |
|---|---|---|
| 2024-12-31 | $641.17 Million | +6.59% |
| 2023-12-31 | $601.54 Million | +3.74% |
| 2022-12-31 | $579.84 Million | +15.48% |
| 2021-12-31 | $502.11 Million | +75.66% |
| 2020-12-31 | $285.84 Million | -0.27% |
| 2019-12-31 | $286.63 Million | -- |