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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and OppFi Inc. (OPFI). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $85.6M, roughly 1.2× OppFi Inc.). OppFi Inc. runs the higher net margin — 19.7% vs 11.6%, a 8.1% gap on every dollar of revenue. On growth, CARRIAGE SERVICES INC posted the faster year-over-year revenue change (8.0% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $6.2M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
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.
CSV vs OPFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $85.6M |
| Net Profit | $12.3M | $16.8M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 36.1% |
| Net Margin | 11.6% | 19.7% |
| Revenue YoY | 8.0% | 5.9% |
| Net Profit YoY | 24.5% | 400.3% |
| EPS (diluted) | $0.76 | $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 | $105.5M | $85.6M | ||
| Q3 25 | $102.7M | $104.6M | ||
| Q2 25 | $102.1M | $100.2M | ||
| Q1 25 | $107.1M | $90.8M | ||
| Q4 24 | $97.7M | $80.8M | ||
| Q3 24 | $100.7M | $91.2M | ||
| Q2 24 | $102.3M | $86.3M | ||
| Q1 24 | $103.5M | $63.2M |
| Q4 25 | $12.3M | $16.8M | ||
| Q3 25 | $6.6M | $41.6M | ||
| Q2 25 | $11.7M | $-20.8M | ||
| Q1 25 | $20.9M | $-11.4M | ||
| Q4 24 | $9.9M | $-5.6M | ||
| Q3 24 | $9.9M | $4.3M | ||
| Q2 24 | $6.3M | $3.1M | ||
| Q1 24 | $7.0M | $5.5M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 36.1% | ||
| Q3 25 | 17.0% | 46.3% | ||
| Q2 25 | 23.5% | 44.7% | ||
| Q1 25 | 29.5% | 46.8% | ||
| Q4 24 | 21.6% | 30.5% | ||
| Q3 24 | 22.7% | 38.5% | ||
| Q2 24 | 18.0% | 34.2% | ||
| Q1 24 | 18.8% | 8.4% |
| Q4 25 | 11.6% | 19.7% | ||
| Q3 25 | 6.4% | 39.8% | ||
| Q2 25 | 11.5% | -20.7% | ||
| Q1 25 | 19.5% | -12.5% | ||
| Q4 24 | 10.1% | -6.9% | ||
| Q3 24 | 9.8% | 4.7% | ||
| Q2 24 | 6.1% | 3.6% | ||
| Q1 24 | 6.7% | 8.8% |
| Q4 25 | $0.76 | $1.48 | ||
| Q3 25 | $0.41 | $0.77 | ||
| Q2 25 | $0.74 | $-0.78 | ||
| Q1 25 | $1.34 | $-0.48 | ||
| Q4 24 | $0.62 | $-0.11 | ||
| Q3 24 | $0.63 | $0.21 | ||
| Q2 24 | $0.40 | $0.16 | ||
| Q1 24 | $0.45 | $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 | $1.7M | $49.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $58.5M |
| Total Assets | $1.3B | $754.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $49.5M | ||
| Q3 25 | $1.2M | $45.5M | ||
| Q2 25 | $1.4M | $45.2M | ||
| Q1 25 | $4.6M | $58.0M | ||
| Q4 24 | $1.2M | $61.3M | ||
| Q3 24 | $1.3M | $44.8M | ||
| Q2 24 | $1.5M | $46.6M | ||
| Q1 24 | $1.7M | $47.2M |
| Q4 25 | $254.8M | $58.5M | ||
| Q3 25 | $242.1M | $49.4M | ||
| Q2 25 | $235.4M | $13.4M | ||
| Q1 25 | $223.1M | $22.6M | ||
| Q4 24 | $208.6M | $32.8M | ||
| Q3 24 | $198.1M | $34.9M | ||
| Q2 24 | $187.9M | $18.6M | ||
| Q1 24 | $179.6M | $18.2M |
| Q4 25 | $1.3B | $754.1M | ||
| Q3 25 | $1.3B | $720.6M | ||
| Q2 25 | $1.3B | $673.4M | ||
| Q1 25 | $1.3B | $640.1M | ||
| Q4 24 | $1.3B | $641.2M | ||
| Q3 24 | $1.3B | $619.3M | ||
| Q2 24 | $1.3B | $573.1M | ||
| Q1 24 | $1.3B | $563.2M |
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 | $14.1M | $401.3M |
| Free Cash FlowOCF − Capex | $6.2M | $382.2M |
| FCF MarginFCF / Revenue | 5.9% | 446.6% |
| Capex IntensityCapex / Revenue | 7.5% | 22.3% |
| Cash ConversionOCF / Net Profit | 1.15× | 23.82× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $652.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $401.3M | ||
| Q3 25 | $24.7M | $105.1M | ||
| Q2 25 | $8.1M | $95.6M | ||
| Q1 25 | $13.8M | $83.7M | ||
| Q4 24 | $9.3M | $323.8M | ||
| Q3 24 | $20.9M | $77.6M | ||
| Q2 24 | $2.2M | $77.3M | ||
| Q1 24 | $19.7M | $74.4M |
| Q4 25 | $6.2M | $382.2M | ||
| Q3 25 | $18.0M | $99.9M | ||
| Q2 25 | $5.2M | $91.0M | ||
| Q1 25 | $10.6M | $79.3M | ||
| Q4 24 | $4.9M | $310.8M | ||
| Q3 24 | $16.2M | $73.7M | ||
| Q2 24 | $-1.4M | $74.7M | ||
| Q1 24 | $16.2M | $72.3M |
| Q4 25 | 5.9% | 446.6% | ||
| Q3 25 | 17.5% | 95.6% | ||
| Q2 25 | 5.1% | 90.8% | ||
| Q1 25 | 9.9% | 87.4% | ||
| Q4 24 | 5.0% | 384.6% | ||
| Q3 24 | 16.1% | 80.8% | ||
| Q2 24 | -1.4% | 86.6% | ||
| Q1 24 | 15.6% | 114.4% |
| Q4 25 | 7.5% | 22.3% | ||
| Q3 25 | 6.5% | 5.0% | ||
| Q2 25 | 2.8% | 4.6% | ||
| Q1 25 | 3.0% | 4.8% | ||
| Q4 24 | 4.5% | 16.1% | ||
| Q3 24 | 4.6% | 4.3% | ||
| Q2 24 | 3.5% | 3.0% | ||
| Q1 24 | 3.4% | 3.4% |
| Q4 25 | 1.15× | 23.82× | ||
| Q3 25 | 3.76× | 2.52× | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.94× | — | ||
| Q3 24 | 2.11× | 18.19× | ||
| Q2 24 | 0.34× | 25.21× | ||
| Q1 24 | 2.83× | 13.44× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
OPFI
Segment breakdown not available.
