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Side-by-side financial comparison of OppFi Inc. (OPFI) and Ranpak Holdings Corp. (PACK). Click either name above to swap in a different company.
Ranpak Holdings Corp. is the larger business by last-quarter revenue ($93.7M vs $85.6M, roughly 1.1× OppFi Inc.). On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs 2.3%). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 13.7%).
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.
Ranpak Holdings Corp. manufactures machines and paper products used in protective paper-based packing for shipping goods and merchandise for e-commerce and industry, along with automation solutions. The company is based in Concord, Ohio, and has production facilities and offices in Reno, Nevada; Kansas City, Missouri; the Netherlands; Czech Republic; Shanghai and Singapore. The paper packaging material can be used for multiple applications like wrapping, cushioning, void fill and cold chain p...
OPFI vs PACK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $93.7M |
| Net Profit | $16.8M | — |
| Gross Margin | — | 39.0% |
| Operating Margin | 36.1% | -1.0% |
| Net Margin | 19.7% | — |
| Revenue YoY | 5.9% | 2.3% |
| Net Profit YoY | 400.3% | — |
| EPS (diluted) | $1.48 | $-0.11 |
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 | $93.7M | ||
| Q3 25 | $104.6M | $83.6M | ||
| Q2 25 | $100.2M | $77.8M | ||
| Q1 25 | $90.8M | $77.6M | ||
| Q4 24 | $80.8M | $91.6M | ||
| Q3 24 | $91.2M | $78.6M | ||
| Q2 24 | $86.3M | $72.8M | ||
| Q1 24 | $63.2M | $72.5M |
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $-10.4M | ||
| Q2 25 | $-20.8M | $-7.5M | ||
| Q1 25 | $-11.4M | $-10.9M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $-8.1M | ||
| Q2 24 | $3.1M | $5.5M | ||
| Q1 24 | $5.5M | $-8.1M |
| Q4 25 | — | 39.0% | ||
| Q3 25 | — | 41.1% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 39.8% | ||
| Q4 24 | — | 45.2% | ||
| Q3 24 | — | 43.8% | ||
| Q2 24 | — | 43.5% | ||
| Q1 24 | — | 44.6% |
| Q4 25 | 36.1% | -1.0% | ||
| Q3 25 | 46.3% | -6.8% | ||
| Q2 25 | 44.7% | -12.5% | ||
| Q1 25 | 46.8% | -10.3% | ||
| Q4 24 | 30.5% | 1.5% | ||
| Q3 24 | 38.5% | -5.3% | ||
| Q2 24 | 34.2% | -7.1% | ||
| Q1 24 | 8.4% | -6.6% |
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | -12.4% | ||
| Q2 25 | -20.7% | -9.6% | ||
| Q1 25 | -12.5% | -14.0% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | -10.3% | ||
| Q2 24 | 3.6% | 7.6% | ||
| Q1 24 | 8.8% | -11.2% |
| Q4 25 | $1.48 | $-0.11 | ||
| Q3 25 | $0.77 | $-0.12 | ||
| Q2 25 | $-0.78 | $-0.09 | ||
| Q1 25 | $-0.48 | $-0.13 | ||
| Q4 24 | $-0.11 | $-0.13 | ||
| Q3 24 | $0.21 | $-0.10 | ||
| Q2 24 | $0.16 | $0.07 | ||
| Q1 24 | $0.10 | $-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 | $63.0M |
| Total DebtLower is stronger | — | $401.9M |
| Stockholders' EquityBook value | $58.5M | $534.9M |
| Total Assets | $754.1M | $1.1B |
| Debt / EquityLower = less leverage | — | 0.75× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $63.0M | ||
| Q3 25 | $45.5M | $49.9M | ||
| Q2 25 | $45.2M | $49.2M | ||
| Q1 25 | $58.0M | $65.5M | ||
| Q4 24 | $61.3M | $76.1M | ||
| Q3 24 | $44.8M | $69.5M | ||
| Q2 24 | $46.6M | $65.1M | ||
| Q1 24 | $47.2M | $55.1M |
| Q4 25 | — | $401.9M | ||
| Q3 25 | — | $403.1M | ||
| Q2 25 | — | $403.1M | ||
| Q1 25 | — | $405.2M | ||
| Q4 24 | — | $406.4M | ||
| Q3 24 | — | $403.2M | ||
| Q2 24 | — | $396.1M | ||
| Q1 24 | — | $396.7M |
| Q4 25 | $58.5M | $534.9M | ||
| Q3 25 | $49.4M | $537.8M | ||
| Q2 25 | $13.4M | $539.0M | ||
| Q1 25 | $22.6M | $544.1M | ||
| Q4 24 | $32.8M | $548.1M | ||
| Q3 24 | $34.9M | $564.3M | ||
| Q2 24 | $18.6M | $566.2M | ||
| Q1 24 | $18.2M | $560.0M |
| Q4 25 | $754.1M | $1.1B | ||
| Q3 25 | $720.6M | $1.1B | ||
| Q2 25 | $673.4M | $1.1B | ||
| Q1 25 | $640.1M | $1.1B | ||
| Q4 24 | $641.2M | $1.1B | ||
| Q3 24 | $619.3M | $1.1B | ||
| Q2 24 | $573.1M | $1.1B | ||
| Q1 24 | $563.2M | $1.1B |
| Q4 25 | — | 0.75× | ||
| Q3 25 | — | 0.75× | ||
| Q2 25 | — | 0.75× | ||
| Q1 25 | — | 0.74× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 0.71× | ||
| Q2 24 | — | 0.70× | ||
| Q1 24 | — | 0.71× |
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 | $19.5M |
| 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.
| Q4 25 | $401.3M | $19.5M | ||
| Q3 25 | $105.1M | $8.5M | ||
| Q2 25 | $95.6M | $-3.6M | ||
| Q1 25 | $83.7M | $-1.3M | ||
| Q4 24 | $323.8M | $6.5M | ||
| Q3 24 | $77.6M | $10.1M | ||
| Q2 24 | $77.3M | $19.6M | ||
| Q1 24 | $74.4M | $5.2M |
| 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× | 3.56× | ||
| 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.
PACK
| Other | $47.9M | 51% |
| Europe And Asia Segment | $45.8M | 49% |
