As of Q4'25, OppFi's cash and short-term investments reached $93.3M, marking a significant quarterly increase from $45.5M in Q3'25 and representing the highest level in the observed period. In contrast, total debt stood at $332.8M, remaining relatively stable compared to $332.8M in the prior quarter and showing minimal fluctuation from earlier periods. Over the timeframe from Q1'23 to Q4'25, cash and short-term investments exhibited volatile growth, starting at $32.2M and peaking at $93.3M in Q4'25, with notable surges in Q4'23 ($73.9M) and Q4'25 amid intermittent declines, such as a drop to $26.8M in Q2'23. Debt levels displayed a general downward trend from an initial $347.7M in Q1'23 to $300.8M in Q1'25, followed by stabilization around $330M through Q4'25, highlighting improved liquidity relative to liabilities despite ongoing debt persistence. This pattern suggests strengthening cash reserves supporting operational flexibility, though debt reduction has plateaued recently.