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Side-by-side financial comparison of 9F Inc. (JFU) and OppFi Inc. (OPFI). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $81.4M, roughly 1.1× 9F Inc.). OppFi Inc. runs the higher net margin — 19.7% vs -105.9%, a 125.6% gap on every dollar of revenue. OppFi Inc. produced more free cash flow last quarter ($382.2M vs $2.7M).
9F Inc. is a leading digital financial technology platform based in China, offering consumer finance, wealth management, and insurance brokerage services primarily to retail and small business customers across domestic markets. It leverages big data and artificial intelligence to deliver tailored, accessible financial solutions that meet diverse user needs across multiple fintech segments.
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.
JFU vs OPFI — Head-to-Head
Income Statement — Q4 FY2022 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $81.4M | $85.6M |
| Net Profit | $-86.2M | $16.8M |
| Gross Margin | 19.3% | — |
| Operating Margin | -26.8% | 36.1% |
| Net Margin | -105.9% | 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.
| Q4 25 | — | $85.6M | ||
| Q3 25 | — | $104.6M | ||
| Q2 25 | — | $100.2M | ||
| Q1 25 | — | $90.8M | ||
| Q4 24 | — | $80.8M | ||
| Q3 24 | — | $91.2M | ||
| Q2 24 | — | $86.3M | ||
| Q1 24 | — | $63.2M |
| Q4 25 | — | $16.8M | ||
| Q3 25 | — | $41.6M | ||
| Q2 25 | — | $-20.8M | ||
| Q1 25 | — | $-11.4M | ||
| Q4 24 | — | $-5.6M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | — | $3.1M | ||
| Q1 24 | — | $5.5M |
| Q4 25 | — | 36.1% | ||
| Q3 25 | — | 46.3% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 30.5% | ||
| Q3 24 | — | 38.5% | ||
| Q2 24 | — | 34.2% | ||
| Q1 24 | — | 8.4% |
| Q4 25 | — | 19.7% | ||
| Q3 25 | — | 39.8% | ||
| Q2 25 | — | -20.7% | ||
| Q1 25 | — | -12.5% | ||
| Q4 24 | — | -6.9% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 3.6% | ||
| Q1 24 | — | 8.8% |
| 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 | ||
| Q1 24 | — | $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 | $335.8M | $49.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $530.1M | $58.5M |
| Total Assets | $625.0M | $754.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $49.5M | ||
| Q3 25 | — | $45.5M | ||
| Q2 25 | — | $45.2M | ||
| Q1 25 | — | $58.0M | ||
| Q4 24 | — | $61.3M | ||
| Q3 24 | — | $44.8M | ||
| Q2 24 | — | $46.6M | ||
| Q1 24 | — | $47.2M |
| 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 24 | — | $18.2M |
| Q4 25 | — | $754.1M | ||
| Q3 25 | — | $720.6M | ||
| Q2 25 | — | $673.4M | ||
| Q1 25 | — | $640.1M | ||
| Q4 24 | — | $641.2M | ||
| Q3 24 | — | $619.3M | ||
| Q2 24 | — | $573.1M | ||
| Q1 24 | — | $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 | $9.2M | $401.3M |
| Free Cash FlowOCF − Capex | $2.7M | $382.2M |
| FCF MarginFCF / Revenue | 3.3% | 446.6% |
| Capex IntensityCapex / Revenue | 8.0% | 22.3% |
| Cash ConversionOCF / Net Profit | — | 23.82× |
| TTM Free Cash FlowTrailing 4 quarters | — | $652.5M |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | — | $74.4M |
| 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 24 | — | $72.3M |
| 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 24 | — | 114.4% |
| 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 24 | — | 3.4% |
| Q4 25 | — | 23.82× | ||
| Q3 25 | — | 2.52× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.19× | ||
| Q2 24 | — | 25.21× | ||
| Q1 24 | — | 13.44× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
