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Side-by-side financial comparison of BingEx Ltd (FLX) and OppFi Inc. (OPFI). Click either name above to swap in a different company.
BingEx Ltd is the larger business by last-quarter revenue ($143.2M vs $85.6M, roughly 1.7× OppFi Inc.). OppFi Inc. runs the higher net margin — 19.7% vs 2.2%, a 17.5% gap on every dollar of revenue.
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.
FLX vs OPFI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $143.2M | $85.6M |
| Net Profit | $3.2M | $16.8M |
| Gross Margin | 10.8% | — |
| Operating Margin | — | 36.1% |
| Net Margin | 2.2% | 19.7% |
| Revenue YoY | — | 5.9% |
| Net Profit YoY | — | 400.3% |
| EPS (diluted) | — | $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.
| Q1 26 | $143.2M | — | ||
| Q4 25 | — | $85.6M | ||
| Q3 25 | $141.2M | $104.6M | ||
| Q2 25 | $143.0M | $100.2M | ||
| Q1 25 | $141.0M | $90.8M | ||
| Q4 24 | — | $80.8M | ||
| Q3 24 | $164.6M | $91.2M | ||
| Q2 24 | — | $86.3M |
| Q1 26 | $3.2M | — | ||
| Q4 25 | — | $16.8M | ||
| Q3 25 | $6.1M | $41.6M | ||
| Q2 25 | $7.5M | $-20.8M | ||
| Q1 25 | $27.6M | $-11.4M | ||
| Q4 24 | — | $-5.6M | ||
| Q3 24 | $3.4M | $4.3M | ||
| Q2 24 | — | $3.1M |
| Q1 26 | 10.8% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 11.1% | — | ||
| Q2 25 | 12.0% | — | ||
| Q1 25 | 10.0% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 11.3% | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 36.1% | ||
| Q3 25 | 1.4% | 46.3% | ||
| Q2 25 | 1.9% | 44.7% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 30.5% | ||
| Q3 24 | 4.0% | 38.5% | ||
| Q2 24 | — | 34.2% |
| Q1 26 | 2.2% | — | ||
| Q4 25 | — | 19.7% | ||
| Q3 25 | 4.4% | 39.8% | ||
| Q2 25 | 5.2% | -20.7% | ||
| Q1 25 | 19.6% | -12.5% | ||
| Q4 24 | — | -6.9% | ||
| Q3 24 | 2.1% | 4.7% | ||
| Q2 24 | — | 3.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | $1.48 | ||
| Q3 25 | — | $0.77 | ||
| Q2 25 | — | $-0.78 | ||
| Q1 25 | — | $-0.48 | ||
| Q4 24 | — | $-0.11 | ||
| Q3 24 | — | $0.21 | ||
| Q2 24 | — | $0.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $561.1M | $49.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | — | $58.5M |
| Total Assets | $1.3B | $754.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $561.1M | — | ||
| Q4 25 | — | $49.5M | ||
| Q3 25 | $628.6M | $45.5M | ||
| Q2 25 | $499.4M | $45.2M | ||
| Q1 25 | $592.4M | $58.0M | ||
| Q4 24 | — | $61.3M | ||
| Q3 24 | $517.4M | $44.8M | ||
| Q2 24 | — | $46.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | $58.5M | ||
| Q3 25 | — | $49.4M | ||
| Q2 25 | — | $13.4M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $32.8M | ||
| Q3 24 | — | $34.9M | ||
| Q2 24 | — | $18.6M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | — | $754.1M | ||
| Q3 25 | $1.3B | $720.6M | ||
| Q2 25 | $1.2B | $673.4M | ||
| Q1 25 | $1.2B | $640.1M | ||
| Q4 24 | — | $641.2M | ||
| Q3 24 | $926.8M | $619.3M | ||
| Q2 24 | — | $573.1M |
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 | — | $401.3M |
| Free Cash FlowOCF − Capex | — | $382.2M |
| FCF MarginFCF / Revenue | — | 446.6% |
| Capex IntensityCapex / Revenue | — | 22.3% |
| Cash ConversionOCF / Net Profit | — | 23.82× |
| TTM Free Cash FlowTrailing 4 quarters | — | $652.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $401.3M | ||
| Q3 25 | — | $105.1M | ||
| Q2 25 | — | $95.6M | ||
| Q1 25 | — | $83.7M | ||
| Q4 24 | — | $323.8M | ||
| Q3 24 | — | $77.6M | ||
| Q2 24 | — | $77.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | $382.2M | ||
| Q3 25 | — | $99.9M | ||
| Q2 25 | — | $91.0M | ||
| Q1 25 | — | $79.3M | ||
| Q4 24 | — | $310.8M | ||
| Q3 24 | — | $73.7M | ||
| Q2 24 | — | $74.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | 446.6% | ||
| Q3 25 | — | 95.6% | ||
| Q2 25 | — | 90.8% | ||
| Q1 25 | — | 87.4% | ||
| Q4 24 | — | 384.6% | ||
| Q3 24 | — | 80.8% | ||
| Q2 24 | — | 86.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 22.3% | ||
| Q3 25 | — | 5.0% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 16.1% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 3.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 23.82× | ||
| Q3 25 | — | 2.52× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.19× | ||
| Q2 24 | — | 25.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
