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Side-by-side financial comparison of Arhaus, Inc. (ARHS) and OFG BANCORP (OFG). Click either name above to swap in a different company.
Arhaus, Inc. is the larger business by last-quarter revenue ($364.8M vs $184.3M, roughly 2.0× OFG BANCORP). OFG BANCORP runs the higher net margin — 30.3% vs 4.1%, a 26.2% gap on every dollar of revenue. On growth, Arhaus, Inc. posted the faster year-over-year revenue change (5.1% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $-8.8M). Over the past eight quarters, Arhaus, Inc.'s revenue compounded faster (11.2% CAGR vs 2.8%).
Arhaus, Inc.ARHSEarnings & Financial Report
Arhaus, Inc. is an upscale American home furnishings company headquartered in Boston Heights, Ohio. Founded in 1986 with a focus on sustainability and artisanship in product quality, Arhaus provides a diversified assortment of specialty goods and services addressing omnichannel direct-to-consumer and business-to-business residential and commercial operations.
OFG Bancorp, founded in 1964, is the financial holding company for Oriental Bank, located in San Juan, Puerto Rico. OFG offers a wide range of retail and commercial banking, lending and wealth management products, services and technology, primarily in Puerto Rico and the U.S. Virgin Islands through its principal subsidiaries: Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC. Its headquarters are located at Oriental Center, 254 Muñoz Rivera Avenue, San Juan, PR 00918....
ARHS vs OFG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $364.8M | $184.3M |
| Net Profit | $15.1M | $55.9M |
| Gross Margin | 38.1% | — |
| Operating Margin | 5.6% | 25.7% |
| Net Margin | 4.1% | 30.3% |
| Revenue YoY | 5.1% | 0.9% |
| Net Profit YoY | -29.1% | 11.0% |
| EPS (diluted) | $0.11 | $1.27 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $364.8M | $184.3M | ||
| Q3 25 | $344.6M | $186.2M | ||
| Q2 25 | $358.4M | $182.4M | ||
| Q1 25 | $311.4M | $178.6M | ||
| Q4 24 | $347.0M | $182.7M | ||
| Q3 24 | $319.1M | $174.7M | ||
| Q2 24 | $309.8M | $179.8M | ||
| Q1 24 | $295.2M | $174.4M |
| Q4 25 | $15.1M | $55.9M | ||
| Q3 25 | $12.2M | $51.8M | ||
| Q2 25 | $35.1M | $51.8M | ||
| Q1 25 | $4.9M | $45.6M | ||
| Q4 24 | $21.3M | $50.3M | ||
| Q3 24 | $9.9M | $47.0M | ||
| Q2 24 | $22.2M | $51.1M | ||
| Q1 24 | $15.1M | $49.7M |
| Q4 25 | 38.1% | — | ||
| Q3 25 | 38.7% | — | ||
| Q2 25 | 41.4% | — | ||
| Q1 25 | 37.1% | — | ||
| Q4 24 | 40.0% | — | ||
| Q3 24 | 38.6% | — | ||
| Q2 24 | 40.1% | — | ||
| Q1 24 | 39.0% | — |
| Q4 25 | 5.6% | 25.7% | ||
| Q3 25 | 4.8% | 33.0% | ||
| Q2 25 | 13.0% | 36.1% | ||
| Q1 25 | 1.7% | 33.3% | ||
| Q4 24 | 8.2% | 28.9% | ||
| Q3 24 | 3.3% | 35.4% | ||
| Q2 24 | 9.5% | 39.6% | ||
| Q1 24 | 6.2% | 38.9% |
| Q4 25 | 4.1% | 30.3% | ||
| Q3 25 | 3.5% | 27.8% | ||
| Q2 25 | 9.8% | 28.4% | ||
| Q1 25 | 1.6% | 25.5% | ||
| Q4 24 | 6.1% | 27.6% | ||
| Q3 24 | 3.1% | 26.9% | ||
| Q2 24 | 7.2% | 28.4% | ||
| Q1 24 | 5.1% | 28.5% |
| Q4 25 | $0.11 | $1.27 | ||
| Q3 25 | $0.09 | $1.16 | ||
| Q2 25 | $0.25 | $1.15 | ||
| Q1 25 | $0.03 | $1.00 | ||
| Q4 24 | $0.15 | $1.10 | ||
| Q3 24 | $0.07 | $1.00 | ||
| Q2 24 | $0.16 | $1.08 | ||
| Q1 24 | $0.11 | $1.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $253.4M | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $418.2M | $1.4B |
| Total Assets | $1.4B | $12.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $253.4M | $1.0B | ||
| Q3 25 | $262.2M | $740.3M | ||
| Q2 25 | $234.8M | $851.8M | ||
| Q1 25 | $214.4M | $710.6M | ||
| Q4 24 | $197.5M | $591.1M | ||
| Q3 24 | $177.7M | $680.6M | ||
| Q2 24 | $174.2M | $740.4M | ||
| Q1 24 | $233.2M | $754.4M |
| Q4 25 | $418.2M | $1.4B | ||
| Q3 25 | $400.4M | $1.4B | ||
| Q2 25 | $385.6M | $1.3B | ||
| Q1 25 | $348.8M | $1.3B | ||
| Q4 24 | $343.7M | $1.3B | ||
| Q3 24 | $320.6M | $1.3B | ||
| Q2 24 | $309.3M | $1.2B | ||
| Q1 24 | $285.6M | $1.2B |
| Q4 25 | $1.4B | $12.5B | ||
| Q3 25 | $1.4B | $12.2B | ||
| Q2 25 | $1.3B | $12.2B | ||
| Q1 25 | $1.3B | $11.7B | ||
| Q4 24 | $1.2B | $11.5B | ||
| Q3 24 | $1.2B | $11.5B | ||
| Q2 24 | $1.2B | $11.3B | ||
| Q1 24 | $1.2B | $11.2B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $9.3M | $217.7M |
| Free Cash FlowOCF − Capex | $-8.8M | $199.3M |
| FCF MarginFCF / Revenue | -2.4% | 108.1% |
| Capex IntensityCapex / Revenue | 5.0% | 10.0% |
| Cash ConversionOCF / Net Profit | 0.62× | 3.90× |
| TTM Free Cash FlowTrailing 4 quarters | $59.0M | $345.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.3M | $217.7M | ||
| Q3 25 | $46.1M | $39.5M | ||
| Q2 25 | $34.9M | $35.9M | ||
| Q1 25 | $46.5M | $83.1M | ||
| Q4 24 | $31.7M | $252.5M | ||
| Q3 24 | $31.1M | $58.1M | ||
| Q2 24 | $47.5M | $95.1M | ||
| Q1 24 | $36.8M | $61.0M |
| Q4 25 | $-8.8M | $199.3M | ||
| Q3 25 | $28.0M | $35.5M | ||
| Q2 25 | $20.9M | $31.8M | ||
| Q1 25 | $18.9M | $78.7M | ||
| Q4 24 | $13.0M | $231.2M | ||
| Q3 24 | $4.6M | $51.8M | ||
| Q2 24 | $11.3M | $90.4M | ||
| Q1 24 | $10.9M | $54.8M |
| Q4 25 | -2.4% | 108.1% | ||
| Q3 25 | 8.1% | 19.1% | ||
| Q2 25 | 5.8% | 17.4% | ||
| Q1 25 | 6.1% | 44.1% | ||
| Q4 24 | 3.7% | 126.5% | ||
| Q3 24 | 1.4% | 29.6% | ||
| Q2 24 | 3.6% | 50.3% | ||
| Q1 24 | 3.7% | 31.4% |
| Q4 25 | 5.0% | 10.0% | ||
| Q3 25 | 5.3% | 2.1% | ||
| Q2 25 | 3.9% | 2.3% | ||
| Q1 25 | 8.9% | 2.4% | ||
| Q4 24 | 5.4% | 11.7% | ||
| Q3 24 | 8.3% | 3.6% | ||
| Q2 24 | 11.7% | 2.6% | ||
| Q1 24 | 8.8% | 3.5% |
| Q4 25 | 0.62× | 3.90× | ||
| Q3 25 | 3.77× | 0.76× | ||
| Q2 25 | 1.00× | 0.69× | ||
| Q1 25 | 9.53× | 1.82× | ||
| Q4 24 | 1.49× | 5.02× | ||
| Q3 24 | 3.14× | 1.24× | ||
| Q2 24 | 2.14× | 1.86× | ||
| Q1 24 | 2.44× | 1.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ARHS
| Sales Channel Retail | $305.7M | 84% |
| Sales Channel E Commerce | $59.2M | 16% |
OFG
Segment breakdown not available.
