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Side-by-side financial comparison of LIVEPERSON INC (LPSN) 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 $59.3M, roughly 1.4× LIVEPERSON INC). OppFi Inc. runs the higher net margin — 19.7% vs -77.8%, a 97.4% gap on every dollar of revenue. On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs -19.0%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $-12.0M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs -16.6%).
LivePerson is a global technology company that develops conversational commerce and AI software.
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.
LPSN vs OPFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $59.3M | $85.6M |
| Net Profit | $-46.1M | $16.8M |
| Gross Margin | 73.2% | — |
| Operating Margin | -68.7% | 36.1% |
| Net Margin | -77.8% | 19.7% |
| Revenue YoY | -19.0% | 5.9% |
| Net Profit YoY | 58.9% | 400.3% |
| EPS (diluted) | $-9.22 | $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 | $59.3M | $85.6M | ||
| Q3 25 | $60.2M | $104.6M | ||
| Q2 25 | $59.6M | $100.2M | ||
| Q1 25 | $64.7M | $90.8M | ||
| Q4 24 | $73.2M | $80.8M | ||
| Q3 24 | $74.2M | $91.2M | ||
| Q2 24 | $79.9M | $86.3M | ||
| Q1 24 | $85.1M | $63.2M |
| Q4 25 | $-46.1M | $16.8M | ||
| Q3 25 | $8.7M | $41.6M | ||
| Q2 25 | $-15.7M | $-20.8M | ||
| Q1 25 | $-14.1M | $-11.4M | ||
| Q4 24 | $-112.1M | $-5.6M | ||
| Q3 24 | $-28.3M | $4.3M | ||
| Q2 24 | $41.8M | $3.1M | ||
| Q1 24 | $-35.6M | $5.5M |
| Q4 25 | 73.2% | — | ||
| Q3 25 | 71.4% | — | ||
| Q2 25 | 69.7% | — | ||
| Q1 25 | 71.8% | — | ||
| Q4 24 | 77.4% | — | ||
| Q3 24 | 73.1% | — | ||
| Q2 24 | 79.4% | — | ||
| Q1 24 | 71.3% | — |
| Q4 25 | -68.7% | 36.1% | ||
| Q3 25 | -24.2% | 46.3% | ||
| Q2 25 | -10.8% | 44.7% | ||
| Q1 25 | -26.2% | 46.8% | ||
| Q4 24 | -138.0% | 30.5% | ||
| Q3 24 | -21.6% | 38.5% | ||
| Q2 24 | -37.3% | 34.2% | ||
| Q1 24 | -42.7% | 8.4% |
| Q4 25 | -77.8% | 19.7% | ||
| Q3 25 | 14.5% | 39.8% | ||
| Q2 25 | -26.4% | -20.7% | ||
| Q1 25 | -21.8% | -12.5% | ||
| Q4 24 | -153.2% | -6.9% | ||
| Q3 24 | -38.1% | 4.7% | ||
| Q2 24 | 52.3% | 3.6% | ||
| Q1 24 | -41.8% | 8.8% |
| Q4 25 | $-9.22 | $1.48 | ||
| Q3 25 | $-2.76 | $0.77 | ||
| Q2 25 | $-0.17 | $-0.78 | ||
| Q1 25 | $-0.24 | $-0.48 | ||
| Q4 24 | $-17.23 | $-0.11 | ||
| Q3 24 | $-4.74 | $0.21 | ||
| Q2 24 | $-0.33 | $0.16 | ||
| Q1 24 | $-0.40 | $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 | $95.0M | $49.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-44.5M | $58.5M |
| Total Assets | $454.7M | $754.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $95.0M | $49.5M | ||
| Q3 25 | $106.7M | $45.5M | ||
| Q2 25 | $162.0M | $45.2M | ||
| Q1 25 | $176.3M | $58.0M | ||
| Q4 24 | $183.2M | $61.3M | ||
| Q3 24 | $142.1M | $44.8M | ||
| Q2 24 | $146.0M | $46.6M | ||
| Q1 24 | $127.1M | $47.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $512.1M | — |
| Q4 25 | $-44.5M | $58.5M | ||
| Q3 25 | $-22.1M | $49.4M | ||
| Q2 25 | $-82.4M | $13.4M | ||
| Q1 25 | $-74.9M | $22.6M | ||
| Q4 24 | $-67.3M | $32.8M | ||
| Q3 24 | $45.9M | $34.9M | ||
| Q2 24 | $66.6M | $18.6M | ||
| Q1 24 | $19.2M | $18.2M |
| Q4 25 | $454.7M | $754.1M | ||
| Q3 25 | $511.4M | $720.6M | ||
| Q2 25 | $604.2M | $673.4M | ||
| Q1 25 | $596.2M | $640.1M | ||
| Q4 24 | $607.8M | $641.2M | ||
| Q3 24 | $692.0M | $619.3M | ||
| Q2 24 | $703.8M | $573.1M | ||
| Q1 24 | $724.7M | $563.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 26.69× | — |
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 | $-9.7M | $401.3M |
| Free Cash FlowOCF − Capex | $-12.0M | $382.2M |
| FCF MarginFCF / Revenue | -20.2% | 446.6% |
| Capex IntensityCapex / Revenue | 3.9% | 22.3% |
| Cash ConversionOCF / Net Profit | — | 23.82× |
| TTM Free Cash FlowTrailing 4 quarters | $-42.5M | $652.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-9.7M | $401.3M | ||
| Q3 25 | $-6.0M | $105.1M | ||
| Q2 25 | $-11.7M | $95.6M | ||
| Q1 25 | $-3.1M | $83.7M | ||
| Q4 24 | $-3.1M | $323.8M | ||
| Q3 24 | $4.8M | $77.6M | ||
| Q2 24 | $-17.9M | $77.3M | ||
| Q1 24 | $1.1M | $74.4M |
| Q4 25 | $-12.0M | $382.2M | ||
| Q3 25 | $-8.9M | $99.9M | ||
| Q2 25 | $-14.8M | $91.0M | ||
| Q1 25 | $-6.9M | $79.3M | ||
| Q4 24 | $-6.8M | $310.8M | ||
| Q3 24 | $-230.0K | $73.7M | ||
| Q2 24 | $-22.9M | $74.7M | ||
| Q1 24 | $-10.4M | $72.3M |
| Q4 25 | -20.2% | 446.6% | ||
| Q3 25 | -14.8% | 95.6% | ||
| Q2 25 | -24.9% | 90.8% | ||
| Q1 25 | -10.6% | 87.4% | ||
| Q4 24 | -9.2% | 384.6% | ||
| Q3 24 | -0.3% | 80.8% | ||
| Q2 24 | -28.7% | 86.6% | ||
| Q1 24 | -12.2% | 114.4% |
| Q4 25 | 3.9% | 22.3% | ||
| Q3 25 | 4.8% | 5.0% | ||
| Q2 25 | 5.3% | 4.6% | ||
| Q1 25 | 5.8% | 4.8% | ||
| Q4 24 | 5.0% | 16.1% | ||
| Q3 24 | 6.8% | 4.3% | ||
| Q2 24 | 6.2% | 3.0% | ||
| Q1 24 | 13.5% | 3.4% |
| Q4 25 | — | 23.82× | ||
| Q3 25 | -0.69× | 2.52× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.19× | ||
| Q2 24 | -0.43× | 25.21× | ||
| Q1 24 | — | 13.44× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LPSN
| Hosted Services Business | $51.0M | 86% |
| Professional Services | $8.3M | 14% |
OPFI
Segment breakdown not available.
