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Side-by-side financial comparison of AMERICAN STATES WATER CO (AWR) and OppFi Inc. (OPFI). Click either name above to swap in a different company.
AMERICAN STATES WATER CO is the larger business by last-quarter revenue ($164.3M vs $85.6M, roughly 1.9× OppFi Inc.). OppFi Inc. runs the higher net margin — 19.7% vs 17.5%, a 2.2% gap on every dollar of revenue. On growth, AMERICAN STATES WATER CO posted the faster year-over-year revenue change (14.8% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $-36.0M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 10.2%).
American Water is an American public utility company that, through its subsidiaries, provides water and wastewater services in the United States.
OppFi Inc. is a US-headquartered financial technology firm that provides responsible, accessible financial solutions including installment loans, credit-building tools and related support services to consumers underserved by traditional banking institutions, prioritizing fair terms to help users boost their long-term financial wellness.
AWR vs OPFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $164.3M | $85.6M |
| Net Profit | $28.7M | $16.8M |
| Gross Margin | 88.9% | — |
| Operating Margin | 27.4% | 36.1% |
| Net Margin | 17.5% | 19.7% |
| Revenue YoY | 14.8% | 5.9% |
| Net Profit YoY | 1.1% | 400.3% |
| EPS (diluted) | $0.74 | $1.48 |
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 | $164.3M | $85.6M | ||
| Q3 25 | $182.7M | $104.6M | ||
| Q2 25 | $163.1M | $100.2M | ||
| Q1 25 | $148.0M | $90.8M | ||
| Q4 24 | $143.1M | $80.8M | ||
| Q3 24 | $161.8M | $91.2M | ||
| Q2 24 | $155.3M | $86.3M | ||
| Q1 24 | $135.3M | $63.2M |
| Q4 25 | $28.7M | $16.8M | ||
| Q3 25 | $41.2M | $41.6M | ||
| Q2 25 | $33.7M | $-20.8M | ||
| Q1 25 | $26.8M | $-11.4M | ||
| Q4 24 | $28.4M | $-5.6M | ||
| Q3 24 | $35.8M | $4.3M | ||
| Q2 24 | $31.9M | $3.1M | ||
| Q1 24 | $23.1M | $5.5M |
| Q4 25 | 88.9% | — | ||
| Q3 25 | 91.0% | — | ||
| Q2 25 | 92.1% | — | ||
| Q1 25 | 91.3% | — | ||
| Q4 24 | 92.4% | — | ||
| Q3 24 | 92.7% | — | ||
| Q2 24 | 89.6% | — | ||
| Q1 24 | 88.4% | — |
| Q4 25 | 27.4% | 36.1% | ||
| Q3 25 | 33.8% | 46.3% | ||
| Q2 25 | 31.3% | 44.7% | ||
| Q1 25 | 30.8% | 46.8% | ||
| Q4 24 | 27.0% | 30.5% | ||
| Q3 24 | 34.0% | 38.5% | ||
| Q2 24 | 33.3% | 34.2% | ||
| Q1 24 | 28.8% | 8.4% |
| Q4 25 | 17.5% | 19.7% | ||
| Q3 25 | 22.5% | 39.8% | ||
| Q2 25 | 20.7% | -20.7% | ||
| Q1 25 | 18.1% | -12.5% | ||
| Q4 24 | 19.9% | -6.9% | ||
| Q3 24 | 22.1% | 4.7% | ||
| Q2 24 | 20.5% | 3.6% | ||
| Q1 24 | 17.1% | 8.8% |
| Q4 25 | $0.74 | $1.48 | ||
| Q3 25 | $1.06 | $0.77 | ||
| Q2 25 | $0.87 | $-0.78 | ||
| Q1 25 | $0.70 | $-0.48 | ||
| Q4 24 | $0.75 | $-0.11 | ||
| Q3 24 | $0.95 | $0.21 | ||
| Q2 24 | $0.85 | $0.16 | ||
| Q1 24 | $0.62 | $0.10 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $18.8M | $49.5M |
| Total DebtLower is stronger | $782.7M | — |
| Stockholders' EquityBook value | $1.0B | $58.5M |
| Total Assets | $2.7B | $754.1M |
| Debt / EquityLower = less leverage | 0.75× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.8M | $49.5M | ||
| Q3 25 | $26.1M | $45.5M | ||
| Q2 25 | $20.2M | $45.2M | ||
| Q1 25 | $21.2M | $58.0M | ||
| Q4 24 | $26.7M | $61.3M | ||
| Q3 24 | $16.5M | $44.8M | ||
| Q2 24 | $3.6M | $46.6M | ||
| Q1 24 | $17.0M | $47.2M |
| Q4 25 | $782.7M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $640.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.0B | $58.5M | ||
| Q3 25 | $1.0B | $49.4M | ||
| Q2 25 | $972.5M | $13.4M | ||
| Q1 25 | $956.4M | $22.6M | ||
| Q4 24 | $920.1M | $32.8M | ||
| Q3 24 | $879.5M | $34.9M | ||
| Q2 24 | $833.5M | $18.6M | ||
| Q1 24 | $800.5M | $18.2M |
| Q4 25 | $2.7B | $754.1M | ||
| Q3 25 | $2.7B | $720.6M | ||
| Q2 25 | $2.6B | $673.4M | ||
| Q1 25 | $2.5B | $640.1M | ||
| Q4 24 | $2.5B | $641.2M | ||
| Q3 24 | $2.4B | $619.3M | ||
| Q2 24 | $2.3B | $573.1M | ||
| Q1 24 | $2.3B | $563.2M |
| Q4 25 | 0.75× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.70× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $27.7M | $401.3M |
| Free Cash FlowOCF − Capex | $-36.0M | $382.2M |
| FCF MarginFCF / Revenue | -21.9% | 446.6% |
| Capex IntensityCapex / Revenue | 38.8% | 22.3% |
| Cash ConversionOCF / Net Profit | 0.96× | 23.82× |
| TTM Free Cash FlowTrailing 4 quarters | $-7.1M | $652.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.7M | $401.3M | ||
| Q3 25 | $92.4M | $105.1M | ||
| Q2 25 | $64.6M | $95.6M | ||
| Q1 25 | $45.1M | $83.7M | ||
| Q4 24 | $64.5M | $323.8M | ||
| Q3 24 | $63.7M | $77.6M | ||
| Q2 24 | $24.7M | $77.3M | ||
| Q1 24 | $45.8M | $74.4M |
| Q4 25 | $-36.0M | $382.2M | ||
| Q3 25 | $37.7M | $99.9M | ||
| Q2 25 | $13.7M | $91.0M | ||
| Q1 25 | $-22.5M | $79.3M | ||
| Q4 24 | $6.0M | $310.8M | ||
| Q3 24 | $-478.0K | $73.7M | ||
| Q2 24 | $-37.0M | $74.7M | ||
| Q1 24 | $-1.7M | $72.3M |
| Q4 25 | -21.9% | 446.6% | ||
| Q3 25 | 20.7% | 95.6% | ||
| Q2 25 | 8.4% | 90.8% | ||
| Q1 25 | -15.2% | 87.4% | ||
| Q4 24 | 4.2% | 384.6% | ||
| Q3 24 | -0.3% | 80.8% | ||
| Q2 24 | -23.8% | 86.6% | ||
| Q1 24 | -1.3% | 114.4% |
| Q4 25 | 38.8% | 22.3% | ||
| Q3 25 | 29.9% | 5.0% | ||
| Q2 25 | 31.2% | 4.6% | ||
| Q1 25 | 45.6% | 4.8% | ||
| Q4 24 | 40.9% | 16.1% | ||
| Q3 24 | 39.7% | 4.3% | ||
| Q2 24 | 39.8% | 3.0% | ||
| Q1 24 | 35.2% | 3.4% |
| Q4 25 | 0.96× | 23.82× | ||
| Q3 25 | 2.24× | 2.52× | ||
| Q2 25 | 1.92× | — | ||
| Q1 25 | 1.68× | — | ||
| Q4 24 | 2.27× | — | ||
| Q3 24 | 1.78× | 18.19× | ||
| Q2 24 | 0.78× | 25.21× | ||
| Q1 24 | 1.98× | 13.44× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AWR
| Water Service Utility Operations | $110.0M | 67% |
| Public Utilities Inventory Water | $22.3M | 14% |
| Wastewater | $15.9M | 10% |
| Electric Service Utility Operations | $15.2M | 9% |
OPFI
Segment breakdown not available.
