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Side-by-side financial comparison of OppFi Inc. (OPFI) and PUMA BIOTECHNOLOGY, INC. (PBYI). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $75.5M, roughly 1.1× PUMA BIOTECHNOLOGY, INC.). On growth, PUMA BIOTECHNOLOGY, INC. posted the faster year-over-year revenue change (27.7% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $14.4M). Over the past eight quarters, PUMA BIOTECHNOLOGY, INC.'s revenue compounded faster (31.3% 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.
Puma Biotechnology is a publicly traded biopharmaceutical company headquartered in Los Angeles, CA.
OPFI vs PBYI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $75.5M |
| Net Profit | $16.8M | — |
| Gross Margin | — | 69.3% |
| Operating Margin | 36.1% | 22.7% |
| Net Margin | 19.7% | — |
| Revenue YoY | 5.9% | 27.7% |
| Net Profit YoY | 400.3% | — |
| EPS (diluted) | $1.48 | $0.26 |
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 | $75.5M | ||
| Q3 25 | $104.6M | $54.5M | ||
| Q2 25 | $100.2M | $52.4M | ||
| Q1 25 | $90.8M | $46.0M | ||
| Q4 24 | $80.8M | $59.1M | ||
| Q3 24 | $91.2M | $80.5M | ||
| Q2 24 | $86.3M | $47.1M | ||
| Q1 24 | $63.2M | $43.8M |
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $8.8M | ||
| Q2 25 | $-20.8M | $5.9M | ||
| Q1 25 | $-11.4M | $3.0M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $20.3M | ||
| Q2 24 | $3.1M | $-4.5M | ||
| Q1 24 | $5.5M | $-4.8M |
| Q4 25 | — | 69.3% | ||
| Q3 25 | — | 77.7% | ||
| Q2 25 | — | 76.5% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 77.4% | ||
| Q1 24 | — | 75.5% |
| Q4 25 | 36.1% | 22.7% | ||
| Q3 25 | 46.3% | 17.6% | ||
| Q2 25 | 44.7% | 12.7% | ||
| Q1 25 | 46.8% | 8.7% | ||
| Q4 24 | 30.5% | 22.6% | ||
| Q3 24 | 38.5% | 27.4% | ||
| Q2 24 | 34.2% | -4.6% | ||
| Q1 24 | 8.4% | -5.3% |
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | 16.2% | ||
| Q2 25 | -20.7% | 11.2% | ||
| Q1 25 | -12.5% | 6.5% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | 25.2% | ||
| Q2 24 | 3.6% | -9.6% | ||
| Q1 24 | 8.8% | -11.0% |
| Q4 25 | $1.48 | $0.26 | ||
| Q3 25 | $0.77 | $0.17 | ||
| Q2 25 | $-0.78 | $0.12 | ||
| Q1 25 | $-0.48 | $0.06 | ||
| Q4 24 | $-0.11 | $0.40 | ||
| Q3 24 | $0.21 | $0.41 | ||
| Q2 24 | $0.16 | $-0.09 | ||
| 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 | $97.5M |
| Total DebtLower is stronger | — | $22.7M |
| Stockholders' EquityBook value | $58.5M | $130.3M |
| Total Assets | $754.1M | $216.3M |
| Debt / EquityLower = less leverage | — | 0.17× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $97.5M | ||
| Q3 25 | $45.5M | $94.4M | ||
| Q2 25 | $45.2M | $96.0M | ||
| Q1 25 | $58.0M | $93.2M | ||
| Q4 24 | $61.3M | $101.0M | ||
| Q3 24 | $44.8M | $96.7M | ||
| Q2 24 | $46.6M | $96.8M | ||
| Q1 24 | $47.2M | $107.2M |
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $45.3M | ||
| Q1 25 | — | $56.7M | ||
| Q4 24 | — | $68.0M | ||
| Q3 24 | — | $79.3M | ||
| Q2 24 | — | $90.7M | ||
| Q1 24 | — | $102.0M |
| Q4 25 | $58.5M | $130.3M | ||
| Q3 25 | $49.4M | $115.3M | ||
| Q2 25 | $13.4M | $104.7M | ||
| Q1 25 | $22.6M | $97.1M | ||
| Q4 24 | $32.8M | $92.1M | ||
| Q3 24 | $34.9M | $71.1M | ||
| Q2 24 | $18.6M | $48.5M | ||
| Q1 24 | $18.2M | $51.0M |
| Q4 25 | $754.1M | $216.3M | ||
| Q3 25 | $720.6M | $202.9M | ||
| Q2 25 | $673.4M | $194.9M | ||
| Q1 25 | $640.1M | $196.2M | ||
| Q4 24 | $641.2M | $213.3M | ||
| Q3 24 | $619.3M | $220.7M | ||
| Q2 24 | $573.1M | $205.0M | ||
| Q1 24 | $563.2M | $214.1M |
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.30× | ||
| Q2 25 | — | 0.43× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 1.12× | ||
| Q2 24 | — | 1.87× | ||
| Q1 24 | — | 2.00× |
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 | $14.4M |
| Free Cash FlowOCF − Capex | $382.2M | $14.4M |
| FCF MarginFCF / Revenue | 446.6% | 19.1% |
| Capex IntensityCapex / Revenue | 22.3% | 0.0% |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $41.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $14.4M | ||
| Q3 25 | $105.1M | $9.7M | ||
| Q2 25 | $95.6M | $14.1M | ||
| Q1 25 | $83.7M | $3.6M | ||
| Q4 24 | $323.8M | $15.6M | ||
| Q3 24 | $77.6M | $11.0M | ||
| Q2 24 | $77.3M | $1.0M | ||
| Q1 24 | $74.4M | $11.2M |
| Q4 25 | $382.2M | $14.4M | ||
| Q3 25 | $99.9M | $9.7M | ||
| Q2 25 | $91.0M | $14.1M | ||
| Q1 25 | $79.3M | $3.6M | ||
| Q4 24 | $310.8M | $15.6M | ||
| Q3 24 | $73.7M | $11.0M | ||
| Q2 24 | $74.7M | $1.0M | ||
| Q1 24 | $72.3M | — |
| Q4 25 | 446.6% | 19.1% | ||
| Q3 25 | 95.6% | 17.7% | ||
| Q2 25 | 90.8% | 26.8% | ||
| Q1 25 | 87.4% | 7.7% | ||
| Q4 24 | 384.6% | 26.4% | ||
| Q3 24 | 80.8% | 13.7% | ||
| Q2 24 | 86.6% | 2.1% | ||
| Q1 24 | 114.4% | — |
| Q4 25 | 22.3% | 0.0% | ||
| Q3 25 | 5.0% | 0.0% | ||
| Q2 25 | 4.6% | 0.0% | ||
| Q1 25 | 4.8% | 0.1% | ||
| Q4 24 | 16.1% | 0.0% | ||
| Q3 24 | 4.3% | 0.0% | ||
| Q2 24 | 3.0% | 0.0% | ||
| Q1 24 | 3.4% | 0.0% |
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | 1.10× | ||
| Q2 25 | — | 2.41× | ||
| Q1 25 | — | 1.21× | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | 0.54× | ||
| Q2 24 | 25.21× | — | ||
| Q1 24 | 13.44× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
