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Side-by-side financial comparison of OppFi Inc. (OPFI) and PagerDuty, Inc. (PD). Click either name above to swap in a different company.
PagerDuty, Inc. is the larger business by last-quarter revenue ($124.5M vs $85.6M, roughly 1.5× OppFi Inc.). PagerDuty, Inc. runs the higher net margin — 129.7% vs 19.7%, a 110.1% gap on every dollar of revenue. On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs 4.7%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $24.1M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 5.9%).
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.
PagerDuty, Inc. is an American cloud computing company specializing in a SaaS incident management platform for IT operations departments.
OPFI vs PD — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $124.5M |
| Net Profit | $16.8M | $161.6M |
| Gross Margin | — | 85.3% |
| Operating Margin | 36.1% | 6.5% |
| Net Margin | 19.7% | 129.7% |
| Revenue YoY | 5.9% | 4.7% |
| Net Profit YoY | 400.3% | 2827.7% |
| EPS (diluted) | $1.48 | $1.69 |
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 | $124.5M | ||
| Q3 25 | $104.6M | $123.4M | ||
| Q2 25 | $100.2M | $119.8M | ||
| Q1 25 | $90.8M | $121.4M | ||
| Q4 24 | $80.8M | $118.9M | ||
| Q3 24 | $91.2M | $115.9M | ||
| Q2 24 | $86.3M | $111.2M | ||
| Q1 24 | $63.2M | $111.1M |
| Q4 25 | $16.8M | $161.6M | ||
| Q3 25 | $41.6M | $9.6M | ||
| Q2 25 | $-20.8M | $-7.2M | ||
| Q1 25 | $-11.4M | $-8.8M | ||
| Q4 24 | $-5.6M | $-5.9M | ||
| Q3 24 | $4.3M | $-10.9M | ||
| Q2 24 | $3.1M | $-17.1M | ||
| Q1 24 | $5.5M | $-28.2M |
| Q4 25 | — | 85.3% | ||
| Q3 25 | — | 84.6% | ||
| Q2 25 | — | 84.0% | ||
| Q1 25 | — | 83.6% | ||
| Q4 24 | — | 83.0% | ||
| Q3 24 | — | 82.7% | ||
| Q2 24 | — | 82.6% | ||
| Q1 24 | — | 81.7% |
| Q4 25 | 36.1% | 6.5% | ||
| Q3 25 | 46.3% | 2.9% | ||
| Q2 25 | 44.7% | -8.6% | ||
| Q1 25 | 46.8% | -9.6% | ||
| Q4 24 | 30.5% | -8.7% | ||
| Q3 24 | 38.5% | -13.8% | ||
| Q2 24 | 34.2% | -19.5% | ||
| Q1 24 | 8.4% | -30.1% |
| Q4 25 | 19.7% | 129.7% | ||
| Q3 25 | 39.8% | 7.8% | ||
| Q2 25 | -20.7% | -6.0% | ||
| Q1 25 | -12.5% | -7.2% | ||
| Q4 24 | -6.9% | -5.0% | ||
| Q3 24 | 4.7% | -9.4% | ||
| Q2 24 | 3.6% | -15.4% | ||
| Q1 24 | 8.8% | -25.3% |
| Q4 25 | $1.48 | $1.69 | ||
| Q3 25 | $0.77 | $0.10 | ||
| Q2 25 | $-0.78 | $-0.07 | ||
| Q1 25 | $-0.48 | $-0.12 | ||
| Q4 24 | $-0.11 | $-0.07 | ||
| Q3 24 | $0.21 | $-0.14 | ||
| Q2 24 | $0.16 | $-0.26 | ||
| Q1 24 | $0.10 | $-0.34 |
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 | $547.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $320.5M |
| Total Assets | $754.1M | $1.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $547.8M | ||
| Q3 25 | $45.5M | $567.9M | ||
| Q2 25 | $45.2M | $597.1M | ||
| Q1 25 | $58.0M | $570.8M | ||
| Q4 24 | $61.3M | $542.2M | ||
| Q3 24 | $44.8M | $599.3M | ||
| Q2 24 | $46.6M | $592.8M | ||
| Q1 24 | $47.2M | $571.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $484.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $489.5M |
| Q4 25 | $58.5M | $320.5M | ||
| Q3 25 | $49.4M | $180.7M | ||
| Q2 25 | $13.4M | $145.7M | ||
| Q1 25 | $22.6M | $129.8M | ||
| Q4 24 | $32.8M | $111.6M | ||
| Q3 24 | $34.9M | $164.7M | ||
| Q2 24 | $18.6M | $174.0M | ||
| Q1 24 | $18.2M | $171.6M |
| Q4 25 | $754.1M | $1.0B | ||
| Q3 25 | $720.6M | $891.5M | ||
| Q2 25 | $673.4M | $926.8M | ||
| Q1 25 | $640.1M | $927.3M | ||
| Q4 24 | $641.2M | $866.8M | ||
| Q3 24 | $619.3M | $916.0M | ||
| Q2 24 | $573.1M | $924.0M | ||
| Q1 24 | $563.2M | $925.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 3.73× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 2.85× |
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 | $24.8M |
| Free Cash FlowOCF − Capex | $382.2M | $24.1M |
| FCF MarginFCF / Revenue | 446.6% | 19.3% |
| Capex IntensityCapex / Revenue | 22.3% | 0.6% |
| Cash ConversionOCF / Net Profit | 23.82× | 0.15× |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $117.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $24.8M | ||
| Q3 25 | $105.1M | $34.0M | ||
| Q2 25 | $95.6M | $30.7M | ||
| Q1 25 | $83.7M | $31.4M | ||
| Q4 24 | $323.8M | $22.1M | ||
| Q3 24 | $77.6M | $35.8M | ||
| Q2 24 | $77.3M | $28.6M | ||
| Q1 24 | $74.4M | $22.2M |
| Q4 25 | $382.2M | $24.1M | ||
| Q3 25 | $99.9M | $33.1M | ||
| Q2 25 | $91.0M | $30.2M | ||
| Q1 25 | $79.3M | $30.3M | ||
| Q4 24 | $310.8M | $21.5M | ||
| Q3 24 | $73.7M | $35.1M | ||
| Q2 24 | $74.7M | $28.2M | ||
| Q1 24 | $72.3M | $21.2M |
| Q4 25 | 446.6% | 19.3% | ||
| Q3 25 | 95.6% | 26.8% | ||
| Q2 25 | 90.8% | 25.2% | ||
| Q1 25 | 87.4% | 24.9% | ||
| Q4 24 | 384.6% | 18.1% | ||
| Q3 24 | 80.8% | 30.3% | ||
| Q2 24 | 86.6% | 25.4% | ||
| Q1 24 | 114.4% | 19.1% |
| Q4 25 | 22.3% | 0.6% | ||
| Q3 25 | 5.0% | 0.7% | ||
| Q2 25 | 4.6% | 0.4% | ||
| Q1 25 | 4.8% | 0.9% | ||
| Q4 24 | 16.1% | 0.5% | ||
| Q3 24 | 4.3% | 0.5% | ||
| Q2 24 | 3.0% | 0.4% | ||
| Q1 24 | 3.4% | 0.9% |
| Q4 25 | 23.82× | 0.15× | ||
| Q3 25 | 2.52× | 3.55× | ||
| 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.
PD
| US | $88.8M | 71% |
| Non Us | $35.7M | 29% |
