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Side-by-side financial comparison of OppFi Inc. (OPFI) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $85.6M, roughly 1.8× OppFi Inc.). OppFi Inc. runs the higher net margin — 19.7% vs 4.8%, a 14.9% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% 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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
OPFI vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $153.1M |
| Net Profit | $16.8M | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | 36.1% | 12.0% |
| Net Margin | 19.7% | 4.8% |
| Revenue YoY | 5.9% | 22.3% |
| Net Profit YoY | 400.3% | 8.5% |
| EPS (diluted) | $1.48 | $0.62 |
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 | $153.1M | ||
| Q3 25 | $104.6M | $138.0M | ||
| Q2 25 | $100.2M | $129.8M | ||
| Q1 25 | $90.8M | $122.8M | ||
| Q4 24 | $80.8M | $125.1M | ||
| Q3 24 | $91.2M | $124.8M | ||
| Q2 24 | $86.3M | $118.8M | ||
| Q1 24 | $63.2M | $111.9M |
| Q4 25 | $16.8M | $7.3M | ||
| Q3 25 | $41.6M | $2.3M | ||
| Q2 25 | $-20.8M | $518.0K | ||
| Q1 25 | $-11.4M | $4.8M | ||
| Q4 24 | $-5.6M | $6.8M | ||
| Q3 24 | $4.3M | $1.3M | ||
| Q2 24 | $3.1M | $6.0M | ||
| Q1 24 | $5.5M | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | 36.1% | 12.0% | ||
| Q3 25 | 46.3% | 9.4% | ||
| Q2 25 | 44.7% | 7.3% | ||
| Q1 25 | 46.8% | 11.5% | ||
| Q4 24 | 30.5% | 12.7% | ||
| Q3 24 | 38.5% | 14.3% | ||
| Q2 24 | 34.2% | 12.5% | ||
| Q1 24 | 8.4% | 12.6% |
| Q4 25 | 19.7% | 4.8% | ||
| Q3 25 | 39.8% | 1.7% | ||
| Q2 25 | -20.7% | 0.4% | ||
| Q1 25 | -12.5% | 3.9% | ||
| Q4 24 | -6.9% | 5.4% | ||
| Q3 24 | 4.7% | 1.0% | ||
| Q2 24 | 3.6% | 5.1% | ||
| Q1 24 | 8.8% | 4.9% |
| Q4 25 | $1.48 | $0.62 | ||
| Q3 25 | $0.77 | $0.19 | ||
| Q2 25 | $-0.78 | $0.04 | ||
| Q1 25 | $-0.48 | $0.40 | ||
| Q4 24 | $-0.11 | $0.56 | ||
| Q3 24 | $0.21 | $0.11 | ||
| Q2 24 | $0.16 | $0.51 | ||
| Q1 24 | $0.10 | $0.46 |
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 | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $58.5M | $-17.3M |
| Total Assets | $754.1M | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $21.7M | ||
| Q3 25 | $45.5M | $16.0M | ||
| Q2 25 | $45.2M | $17.1M | ||
| Q1 25 | $58.0M | $31.5M | ||
| Q4 24 | $61.3M | $33.5M | ||
| Q3 24 | $44.8M | $14.7M | ||
| Q2 24 | $46.6M | $7.5M | ||
| Q1 24 | $47.2M | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $58.5M | $-17.3M | ||
| Q3 25 | $49.4M | $-25.7M | ||
| Q2 25 | $13.4M | $-29.0M | ||
| Q1 25 | $22.6M | $-29.7M | ||
| Q4 24 | $32.8M | $-35.6M | ||
| Q3 24 | $34.9M | $-42.8M | ||
| Q2 24 | $18.6M | $-44.6M | ||
| Q1 24 | $18.2M | $-48.5M |
| Q4 25 | $754.1M | $403.2M | ||
| Q3 25 | $720.6M | $407.1M | ||
| Q2 25 | $673.4M | $399.8M | ||
| Q1 25 | $640.1M | $351.9M | ||
| Q4 24 | $641.2M | $349.7M | ||
| Q3 24 | $619.3M | $342.3M | ||
| Q2 24 | $573.1M | $321.4M | ||
| Q1 24 | $563.2M | $319.8M |
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 | $39.6M |
| Free Cash FlowOCF − Capex | $382.2M | $35.2M |
| FCF MarginFCF / Revenue | 446.6% | 23.0% |
| Capex IntensityCapex / Revenue | 22.3% | 2.9% |
| Cash ConversionOCF / Net Profit | 23.82× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $39.6M | ||
| Q3 25 | $105.1M | $10.0M | ||
| Q2 25 | $95.6M | $4.3M | ||
| Q1 25 | $83.7M | $5.6M | ||
| Q4 24 | $323.8M | $26.7M | ||
| Q3 24 | $77.6M | $12.5M | ||
| Q2 24 | $77.3M | $-4.8M | ||
| Q1 24 | $74.4M | $8.9M |
| Q4 25 | $382.2M | $35.2M | ||
| Q3 25 | $99.9M | $5.3M | ||
| Q2 25 | $91.0M | $533.0K | ||
| Q1 25 | $79.3M | $292.0K | ||
| Q4 24 | $310.8M | $21.6M | ||
| Q3 24 | $73.7M | $11.1M | ||
| Q2 24 | $74.7M | $-6.0M | ||
| Q1 24 | $72.3M | $7.4M |
| Q4 25 | 446.6% | 23.0% | ||
| Q3 25 | 95.6% | 3.8% | ||
| Q2 25 | 90.8% | 0.4% | ||
| Q1 25 | 87.4% | 0.2% | ||
| Q4 24 | 384.6% | 17.3% | ||
| Q3 24 | 80.8% | 8.9% | ||
| Q2 24 | 86.6% | -5.0% | ||
| Q1 24 | 114.4% | 6.6% |
| Q4 25 | 22.3% | 2.9% | ||
| Q3 25 | 5.0% | 3.4% | ||
| Q2 25 | 4.6% | 2.9% | ||
| Q1 25 | 4.8% | 4.3% | ||
| Q4 24 | 16.1% | 4.0% | ||
| Q3 24 | 4.3% | 1.2% | ||
| Q2 24 | 3.0% | 1.0% | ||
| Q1 24 | 3.4% | 1.3% |
| Q4 25 | 23.82× | 5.39× | ||
| Q3 25 | 2.52× | 4.32× | ||
| Q2 25 | — | 8.39× | ||
| Q1 25 | — | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | 18.19× | 9.70× | ||
| Q2 24 | 25.21× | -0.79× | ||
| Q1 24 | 13.44× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPFI
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
