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Side-by-side financial comparison of OppFi Inc. (OPFI) and OneStream, Inc. (OS). Click either name above to swap in a different company.
OneStream, Inc. is the larger business by last-quarter revenue ($163.7M vs $85.6M, roughly 1.9× OppFi Inc.). OppFi Inc. runs the higher net margin — 19.7% vs 0.6%, a 19.1% gap on every dollar of revenue. On growth, OneStream, Inc. posted the faster year-over-year revenue change (23.6% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $25.6M). Over the past eight quarters, OneStream, Inc.'s revenue compounded faster (21.8% CAGR vs 16.3%).
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.
Blue Stream provides cable television, cable telephone, DVR, and up to 1 GIG Internet speed broadband services to customers in the Florida communities of Coral Springs and Weston.
OPFI vs OS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $163.7M |
| Net Profit | $16.8M | $999.0K |
| Gross Margin | — | 69.8% |
| Operating Margin | 36.1% | -3.2% |
| Net Margin | 19.7% | 0.6% |
| Revenue YoY | 5.9% | 23.6% |
| 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 | $163.7M | ||
| Q3 25 | $104.6M | $154.3M | ||
| Q2 25 | $100.2M | $147.6M | ||
| Q1 25 | $90.8M | $136.3M | ||
| Q4 24 | $80.8M | $132.5M | ||
| Q3 24 | $91.2M | $129.1M | ||
| Q2 24 | $86.3M | $117.5M | ||
| Q1 24 | $63.2M | $110.3M |
| Q4 25 | $16.8M | $999.0K | ||
| Q3 25 | $41.6M | $-8.8M | ||
| Q2 25 | $-20.8M | $-18.4M | ||
| Q1 25 | $-11.4M | $-24.0M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $-171.9M | ||
| Q2 24 | $3.1M | $-7.8M | ||
| Q1 24 | $5.5M | $-5.0M |
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% | ||
| Q1 24 | — | 69.1% |
| Q4 25 | 36.1% | -3.2% | ||
| Q3 25 | 46.3% | -11.3% | ||
| Q2 25 | 44.7% | -21.8% | ||
| Q1 25 | 46.8% | -29.3% | ||
| Q4 24 | 30.5% | -35.8% | ||
| Q3 24 | 38.5% | -197.6% | ||
| Q2 24 | 34.2% | -9.8% | ||
| Q1 24 | 8.4% | -4.9% |
| Q4 25 | 19.7% | 0.6% | ||
| Q3 25 | 39.8% | -5.7% | ||
| Q2 25 | -20.7% | -12.5% | ||
| Q1 25 | -12.5% | -17.6% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | -133.1% | ||
| Q2 24 | 3.6% | -6.7% | ||
| Q1 24 | 8.8% | -4.5% |
| Q4 25 | $1.48 | — | ||
| Q3 25 | $0.77 | — | ||
| Q2 25 | $-0.78 | — | ||
| Q1 25 | $-0.48 | — | ||
| Q4 24 | $-0.11 | — | ||
| Q3 24 | $0.21 | $-1.06 | ||
| 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 | $49.5M | $693.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $504.7M |
| Total Assets | $754.1M | $1.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $693.6M | ||
| Q3 25 | $45.5M | $653.9M | ||
| Q2 25 | $45.2M | $652.1M | ||
| Q1 25 | $58.0M | $593.9M | ||
| Q4 24 | $61.3M | $544.2M | ||
| Q3 24 | $44.8M | $495.5M | ||
| Q2 24 | $46.6M | $140.5M | ||
| Q1 24 | $47.2M | — |
| Q4 25 | $58.5M | $504.7M | ||
| Q3 25 | $49.4M | $472.1M | ||
| Q2 25 | $13.4M | $458.2M | ||
| Q1 25 | $22.6M | $412.9M | ||
| Q4 24 | $32.8M | $386.2M | ||
| Q3 24 | $34.9M | $458.2M | ||
| Q2 24 | $18.6M | $97.5M | ||
| Q1 24 | $18.2M | $102.5M |
| Q4 25 | $754.1M | $1.0B | ||
| Q3 25 | $720.6M | $949.4M | ||
| Q2 25 | $673.4M | $910.5M | ||
| Q1 25 | $640.1M | $867.3M | ||
| Q4 24 | $641.2M | $823.2M | ||
| Q3 24 | $619.3M | $750.1M | ||
| Q2 24 | $573.1M | $379.7M | ||
| 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 | $401.3M | $25.8M |
| Free Cash FlowOCF − Capex | $382.2M | $25.6M |
| FCF MarginFCF / Revenue | 446.6% | 15.7% |
| Capex IntensityCapex / Revenue | 22.3% | 0.1% |
| Cash ConversionOCF / Net Profit | 23.82× | 25.79× |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $95.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $25.8M | ||
| Q3 25 | $105.1M | $5.0M | ||
| Q2 25 | $95.6M | $29.7M | ||
| Q1 25 | $83.7M | $36.2M | ||
| Q4 24 | $323.8M | — | ||
| Q3 24 | $77.6M | $2.4M | ||
| Q2 24 | $77.3M | $8.1M | ||
| Q1 24 | $74.4M | $25.5M |
| Q4 25 | $382.2M | $25.6M | ||
| Q3 25 | $99.9M | $4.8M | ||
| Q2 25 | $91.0M | $29.4M | ||
| Q1 25 | $79.3M | $35.8M | ||
| Q4 24 | $310.8M | — | ||
| Q3 24 | $73.7M | $1.3M | ||
| Q2 24 | $74.7M | $7.7M | ||
| Q1 24 | $72.3M | $24.9M |
| Q4 25 | 446.6% | 15.7% | ||
| Q3 25 | 95.6% | 3.1% | ||
| Q2 25 | 90.8% | 19.9% | ||
| Q1 25 | 87.4% | 26.3% | ||
| Q4 24 | 384.6% | — | ||
| Q3 24 | 80.8% | 1.0% | ||
| Q2 24 | 86.6% | 6.6% | ||
| Q1 24 | 114.4% | 22.5% |
| Q4 25 | 22.3% | 0.1% | ||
| Q3 25 | 5.0% | 0.1% | ||
| Q2 25 | 4.6% | 0.2% | ||
| Q1 25 | 4.8% | 0.3% | ||
| Q4 24 | 16.1% | — | ||
| Q3 24 | 4.3% | 0.8% | ||
| Q2 24 | 3.0% | 0.3% | ||
| Q1 24 | 3.4% | 0.6% |
| Q4 25 | 23.82× | 25.79× | ||
| 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.
Revenue Breakdown by Segment
OPFI
Segment breakdown not available.
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
