vs
Side-by-side financial comparison of OppFi Inc. (OPFI) and Ouster, Inc. (OUST). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $62.2M, roughly 1.4× Ouster, Inc.). On growth, Ouster, Inc. posted the faster year-over-year revenue change (106.6% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $-37.2M). Over the past eight quarters, Ouster, Inc.'s revenue compounded faster (54.8% 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.
Ouster, Inc. is an American lidar technology company headquartered in San Francisco, California. It builds high-resolution, digital 3D lidar sensors for use in autonomous vehicles, industrial, robotics, drones, mapping, defense, and security systems.
OPFI vs OUST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $62.2M |
| Net Profit | $16.8M | — |
| Gross Margin | — | 60.2% |
| Operating Margin | 36.1% | 1.5% |
| Net Margin | 19.7% | — |
| Revenue YoY | 5.9% | 106.6% |
| Net Profit YoY | 400.3% | — |
| EPS (diluted) | $1.48 | $0.10 |
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 | $62.2M | ||
| Q3 25 | $104.6M | $39.5M | ||
| Q2 25 | $100.2M | $35.0M | ||
| Q1 25 | $90.8M | $32.6M | ||
| Q4 24 | $80.8M | $30.1M | ||
| Q3 24 | $91.2M | $28.1M | ||
| Q2 24 | $86.3M | $27.0M | ||
| Q1 24 | $63.2M | $25.9M |
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $-21.7M | ||
| Q2 25 | $-20.8M | $-20.6M | ||
| Q1 25 | $-11.4M | $-22.0M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $-25.6M | ||
| Q2 24 | $3.1M | $-23.9M | ||
| Q1 24 | $5.5M | $-23.8M |
| Q4 25 | — | 60.2% | ||
| Q3 25 | — | 42.1% | ||
| Q2 25 | — | 45.2% | ||
| Q1 25 | — | 41.3% | ||
| Q4 24 | — | 43.8% | ||
| Q3 24 | — | 38.3% | ||
| Q2 24 | — | 33.7% | ||
| Q1 24 | — | 28.6% |
| Q4 25 | 36.1% | 1.5% | ||
| Q3 25 | 46.3% | -61.4% | ||
| Q2 25 | 44.7% | -76.5% | ||
| Q1 25 | 46.8% | -73.0% | ||
| Q4 24 | 30.5% | -85.1% | ||
| Q3 24 | 38.5% | -98.0% | ||
| Q2 24 | 34.2% | -93.6% | ||
| Q1 24 | 8.4% | -99.5% |
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | -55.0% | ||
| Q2 25 | -20.7% | -58.8% | ||
| Q1 25 | -12.5% | -67.5% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | -91.1% | ||
| Q2 24 | 3.6% | -88.4% | ||
| Q1 24 | 8.8% | -91.9% |
| Q4 25 | $1.48 | $0.10 | ||
| Q3 25 | $0.77 | $-0.37 | ||
| Q2 25 | $-0.78 | $-0.38 | ||
| Q1 25 | $-0.48 | $-0.42 | ||
| Q4 24 | $-0.11 | $-0.46 | ||
| Q3 24 | $0.21 | $-0.54 | ||
| Q2 24 | $0.16 | $-0.53 | ||
| Q1 24 | $0.10 | $-0.55 |
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 | $208.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $261.7M |
| Total Assets | $754.1M | $349.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $208.6M | ||
| Q3 25 | $45.5M | $244.5M | ||
| Q2 25 | $45.2M | $226.5M | ||
| Q1 25 | $58.0M | $168.2M | ||
| Q4 24 | $61.3M | $172.0M | ||
| Q3 24 | $44.8M | $151.4M | ||
| Q2 24 | $46.6M | $184.2M | ||
| Q1 24 | $47.2M | $187.8M |
| Q4 25 | $58.5M | $261.7M | ||
| Q3 25 | $49.4M | $247.4M | ||
| Q2 25 | $13.4M | $221.0M | ||
| Q1 25 | $22.6M | $167.9M | ||
| Q4 24 | $32.8M | $180.9M | ||
| Q3 24 | $34.9M | $171.7M | ||
| Q2 24 | $18.6M | $170.6M | ||
| Q1 24 | $18.2M | $167.2M |
| Q4 25 | $754.1M | $349.5M | ||
| Q3 25 | $720.6M | $353.8M | ||
| Q2 25 | $673.4M | $321.8M | ||
| Q1 25 | $640.1M | $268.6M | ||
| Q4 24 | $641.2M | $276.1M | ||
| Q3 24 | $619.3M | $255.2M | ||
| Q2 24 | $573.1M | $309.9M | ||
| Q1 24 | $563.2M | $317.7M |
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 | $-15.4M |
| Free Cash FlowOCF − Capex | $382.2M | $-37.2M |
| FCF MarginFCF / Revenue | 446.6% | -59.8% |
| Capex IntensityCapex / Revenue | 22.3% | 35.0% |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $-64.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $-15.4M | ||
| Q3 25 | $105.1M | $-18.3M | ||
| Q2 25 | $95.6M | $-1.3M | ||
| Q1 25 | $83.7M | $-4.9M | ||
| Q4 24 | $323.8M | $-2.6M | ||
| Q3 24 | $77.6M | $-3.8M | ||
| Q2 24 | $77.3M | $-21.6M | ||
| Q1 24 | $74.4M | $-5.7M |
| Q4 25 | $382.2M | $-37.2M | ||
| Q3 25 | $99.9M | $-20.0M | ||
| Q2 25 | $91.0M | $-2.2M | ||
| Q1 25 | $79.3M | $-5.4M | ||
| Q4 24 | $310.8M | $-4.0M | ||
| Q3 24 | $73.7M | $-4.3M | ||
| Q2 24 | $74.7M | $-22.0M | ||
| Q1 24 | $72.3M | $-7.1M |
| Q4 25 | 446.6% | -59.8% | ||
| Q3 25 | 95.6% | -50.7% | ||
| Q2 25 | 90.8% | -6.3% | ||
| Q1 25 | 87.4% | -16.6% | ||
| Q4 24 | 384.6% | -13.3% | ||
| Q3 24 | 80.8% | -15.4% | ||
| Q2 24 | 86.6% | -81.5% | ||
| Q1 24 | 114.4% | -27.4% |
| Q4 25 | 22.3% | 35.0% | ||
| Q3 25 | 5.0% | 4.3% | ||
| Q2 25 | 4.6% | 2.5% | ||
| Q1 25 | 4.8% | 1.7% | ||
| Q4 24 | 16.1% | 4.8% | ||
| Q3 24 | 4.3% | 2.0% | ||
| Q2 24 | 3.0% | 1.3% | ||
| Q1 24 | 3.4% | 5.3% |
| 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.
