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Side-by-side financial comparison of OppFi Inc. (OPFI) and STURM RUGER & CO INC (RGR). Click either name above to swap in a different company.
STURM RUGER & CO INC is the larger business by last-quarter revenue ($151.1M vs $85.6M, roughly 1.8× OppFi Inc.). On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs 3.6%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $12.3M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 5.1%).
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.
Sturm, Ruger & Company, Inc., better known by the shortened name Ruger, is an American firearm manufacturing company based in Southport, Connecticut, with production facilities also in Newport, New Hampshire; Mayodan, North Carolina; and Prescott, Arizona. The company was founded in 1949 by Alexander McCormick Sturm and William B. Ruger and has been publicly traded since 1969.
OPFI vs RGR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $151.1M |
| Net Profit | $16.8M | — |
| Gross Margin | — | 17.8% |
| Operating Margin | 36.1% | 2.3% |
| Net Margin | 19.7% | — |
| Revenue YoY | 5.9% | 3.6% |
| Net Profit YoY | 400.3% | — |
| EPS (diluted) | $1.48 | $0.22 |
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 | $151.1M | ||
| Q3 25 | $104.6M | $126.8M | ||
| Q2 25 | $100.2M | $132.5M | ||
| Q1 25 | $90.8M | $135.7M | ||
| Q4 24 | $80.8M | $145.8M | ||
| Q3 24 | $91.2M | $122.3M | ||
| Q2 24 | $86.3M | $130.8M | ||
| Q1 24 | $63.2M | $136.8M |
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $1.6M | ||
| Q2 25 | $-20.8M | $-17.2M | ||
| Q1 25 | $-11.4M | $7.8M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $4.7M | ||
| Q2 24 | $3.1M | $8.3M | ||
| Q1 24 | $5.5M | $7.1M |
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
| Q4 25 | 36.1% | 2.3% | ||
| Q3 25 | 46.3% | -2.7% | ||
| Q2 25 | 44.7% | -15.6% | ||
| Q1 25 | 46.8% | 6.2% | ||
| Q4 24 | 30.5% | 7.8% | ||
| Q3 24 | 38.5% | 3.1% | ||
| Q2 24 | 34.2% | 6.9% | ||
| Q1 24 | 8.4% | 5.5% |
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | 1.2% | ||
| Q2 25 | -20.7% | -13.0% | ||
| Q1 25 | -12.5% | 5.7% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | 3.9% | ||
| Q2 24 | 3.6% | 6.3% | ||
| Q1 24 | 8.8% | 5.2% |
| Q4 25 | $1.48 | $0.22 | ||
| Q3 25 | $0.77 | $0.10 | ||
| Q2 25 | $-0.78 | $-1.05 | ||
| Q1 25 | $-0.48 | $0.46 | ||
| Q4 24 | $-0.11 | $0.62 | ||
| Q3 24 | $0.21 | $0.28 | ||
| Q2 24 | $0.16 | $0.47 | ||
| Q1 24 | $0.10 | $0.40 |
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 | $92.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $283.8M |
| Total Assets | $754.1M | $342.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $92.5M | ||
| Q3 25 | $45.5M | $80.8M | ||
| Q2 25 | $45.2M | $101.4M | ||
| Q1 25 | $58.0M | $108.3M | ||
| Q4 24 | $61.3M | $105.5M | ||
| Q3 24 | $44.8M | $96.0M | ||
| Q2 24 | $46.6M | $105.6M | ||
| Q1 24 | $47.2M | $115.3M |
| Q4 25 | $58.5M | $283.8M | ||
| Q3 25 | $49.4M | $279.6M | ||
| Q2 25 | $13.4M | $289.3M | ||
| Q1 25 | $22.6M | $321.5M | ||
| Q4 24 | $32.8M | $319.6M | ||
| Q3 24 | $34.9M | $314.9M | ||
| Q2 24 | $18.6M | $321.5M | ||
| Q1 24 | $18.2M | $332.0M |
| Q4 25 | $754.1M | $342.0M | ||
| Q3 25 | $720.6M | $342.3M | ||
| Q2 25 | $673.4M | $349.5M | ||
| Q1 25 | $640.1M | $379.0M | ||
| Q4 24 | $641.2M | $384.0M | ||
| Q3 24 | $619.3M | $373.5M | ||
| Q2 24 | $573.1M | $376.7M | ||
| Q1 24 | $563.2M | $385.0M |
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 | $15.5M |
| Free Cash FlowOCF − Capex | $382.2M | $12.3M |
| FCF MarginFCF / Revenue | 446.6% | 8.2% |
| Capex IntensityCapex / Revenue | 22.3% | 2.1% |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $38.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $15.5M | ||
| Q3 25 | $105.1M | $12.9M | ||
| Q2 25 | $95.6M | $14.7M | ||
| Q1 25 | $83.7M | $11.1M | ||
| Q4 24 | $323.8M | $20.0M | ||
| Q3 24 | $77.6M | $9.4M | ||
| Q2 24 | $77.3M | $18.7M | ||
| Q1 24 | $74.4M | $7.3M |
| Q4 25 | $382.2M | $12.3M | ||
| Q3 25 | $99.9M | $7.0M | ||
| Q2 25 | $91.0M | $9.1M | ||
| Q1 25 | $79.3M | $10.0M | ||
| Q4 24 | $310.8M | $16.4M | ||
| Q3 24 | $73.7M | $2.6M | ||
| Q2 24 | $74.7M | $10.1M | ||
| Q1 24 | $72.3M | $5.6M |
| Q4 25 | 446.6% | 8.2% | ||
| Q3 25 | 95.6% | 5.5% | ||
| Q2 25 | 90.8% | 6.9% | ||
| Q1 25 | 87.4% | 7.4% | ||
| Q4 24 | 384.6% | 11.2% | ||
| Q3 24 | 80.8% | 2.1% | ||
| Q2 24 | 86.6% | 7.7% | ||
| Q1 24 | 114.4% | 4.1% |
| Q4 25 | 22.3% | 2.1% | ||
| Q3 25 | 5.0% | 4.6% | ||
| Q2 25 | 4.6% | 4.2% | ||
| Q1 25 | 4.8% | 0.8% | ||
| Q4 24 | 16.1% | 2.5% | ||
| Q3 24 | 4.3% | 5.5% | ||
| Q2 24 | 3.0% | 6.6% | ||
| Q1 24 | 3.4% | 1.3% |
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | 8.15× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | 1.98× | ||
| Q2 24 | 25.21× | 2.27× | ||
| Q1 24 | 13.44× | 1.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPFI
Segment breakdown not available.
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
