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Side-by-side financial comparison of OppFi Inc. (OPFI) and Plymouth Industrial REIT, Inc. (PLYM). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $51.2M, roughly 1.7× Plymouth Industrial REIT, Inc.). OppFi Inc. runs the higher net margin — 19.7% vs -106.3%, a 125.9% gap on every dollar of revenue. On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs -1.4%). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 0.4%).
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.
Plymouth Industrial REIT, Inc. is a real estate investment trust focused on owning, operating, and acquiring high-quality industrial properties including distribution centers, warehouses, and light industrial facilities across key U.S. logistics hubs. It serves tenants in e-commerce, retail, manufacturing, and third-party logistics sectors, supporting diverse business supply chain needs.
OPFI vs PLYM — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $51.2M |
| Net Profit | $16.8M | $-54.4M |
| Gross Margin | — | — |
| Operating Margin | 36.1% | -102.5% |
| Net Margin | 19.7% | -106.3% |
| Revenue YoY | 5.9% | -1.4% |
| Net Profit YoY | 400.3% | -248.5% |
| EPS (diluted) | $1.48 | $-1.23 |
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 | — | ||
| Q3 25 | $104.6M | $51.2M | ||
| Q2 25 | $100.2M | $47.2M | ||
| Q1 25 | $90.8M | $45.6M | ||
| Q4 24 | $80.8M | $47.6M | ||
| Q3 24 | $91.2M | $51.9M | ||
| Q2 24 | $86.3M | $48.7M | ||
| Q1 24 | $63.2M | $50.2M |
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $-54.4M | ||
| Q2 25 | $-20.8M | $-6.1M | ||
| Q1 25 | $-11.4M | $5.8M | ||
| Q4 24 | $-5.6M | $147.4M | ||
| Q3 24 | $4.3M | $-15.6M | ||
| Q2 24 | $3.1M | $1.3M | ||
| Q1 24 | $5.5M | $6.2M |
| Q4 25 | 36.1% | — | ||
| Q3 25 | 46.3% | -102.5% | ||
| Q2 25 | 44.7% | -10.3% | ||
| Q1 25 | 46.8% | — | ||
| Q4 24 | 30.5% | — | ||
| Q3 24 | 38.5% | -29.6% | ||
| Q2 24 | 34.2% | 2.7% | ||
| Q1 24 | 8.4% | — |
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | -106.3% | ||
| Q2 25 | -20.7% | -12.9% | ||
| Q1 25 | -12.5% | 12.8% | ||
| Q4 24 | -6.9% | 309.9% | ||
| Q3 24 | 4.7% | -30.1% | ||
| Q2 24 | 3.6% | 2.7% | ||
| Q1 24 | 8.8% | 12.4% |
| Q4 25 | $1.48 | — | ||
| Q3 25 | $0.77 | $-1.23 | ||
| Q2 25 | $-0.78 | $-0.14 | ||
| Q1 25 | $-0.48 | $0.13 | ||
| Q4 24 | $-0.11 | $3.24 | ||
| Q3 24 | $0.21 | $-0.35 | ||
| Q2 24 | $0.16 | $0.03 | ||
| Q1 24 | $0.10 | $0.14 |
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 | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $470.1M |
| Total Assets | $754.1M | $1.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | — | ||
| Q3 25 | $45.5M | — | ||
| Q2 25 | $45.2M | — | ||
| Q1 25 | $58.0M | — | ||
| Q4 24 | $61.3M | — | ||
| Q3 24 | $44.8M | — | ||
| Q2 24 | $46.6M | — | ||
| Q1 24 | $47.2M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $646.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $58.5M | — | ||
| Q3 25 | $49.4M | $470.1M | ||
| Q2 25 | $13.4M | $539.6M | ||
| Q1 25 | $22.6M | $571.0M | ||
| Q4 24 | $32.8M | $579.5M | ||
| Q3 24 | $34.9M | $436.5M | ||
| Q2 24 | $18.6M | $475.2M | ||
| Q1 24 | $18.2M | $484.6M |
| Q4 25 | $754.1M | — | ||
| Q3 25 | $720.6M | $1.6B | ||
| Q2 25 | $673.4M | $1.6B | ||
| Q1 25 | $640.1M | $1.4B | ||
| Q4 24 | $641.2M | $1.4B | ||
| Q3 24 | $619.3M | $1.5B | ||
| Q2 24 | $573.1M | $1.4B | ||
| Q1 24 | $563.2M | $1.4B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.12× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $20.0M |
| 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 | — | ||
| Q3 25 | $105.1M | $20.0M | ||
| Q2 25 | $95.6M | $23.4M | ||
| Q1 25 | $83.7M | $15.6M | ||
| Q4 24 | $323.8M | $96.1M | ||
| Q3 24 | $77.6M | $17.6M | ||
| Q2 24 | $77.3M | $19.9M | ||
| Q1 24 | $74.4M | $16.6M |
| 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 | — | 2.67× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | 18.19× | — | ||
| Q2 24 | 25.21× | 15.12× | ||
| Q1 24 | 13.44× | 2.67× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
