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Side-by-side financial comparison of OppFi Inc. (OPFI) and REGIS CORP (RGS). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $57.1M, roughly 1.5× REGIS CORP). OppFi Inc. runs the higher net margin — 19.7% vs 0.8%, a 18.9% gap on every dollar of revenue. On growth, REGIS CORP 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 $891.0K). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 7.8%).
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.
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
OPFI vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $57.1M |
| Net Profit | $16.8M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 36.1% | 10.8% |
| Net Margin | 19.7% | 0.8% |
| Revenue YoY | 5.9% | 22.3% |
| Net Profit YoY | 400.3% | -94.0% |
| EPS (diluted) | $1.48 | $0.16 |
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 | $57.1M | ||
| Q3 25 | $104.6M | $59.0M | ||
| Q2 25 | $100.2M | $60.4M | ||
| Q1 25 | $90.8M | $57.0M | ||
| Q4 24 | $80.8M | $46.7M | ||
| Q3 24 | $91.2M | $46.1M | ||
| Q2 24 | $86.3M | $49.4M | ||
| Q1 24 | $63.2M | $49.2M |
| Q4 25 | $16.8M | $456.0K | ||
| Q3 25 | $41.6M | $1.4M | ||
| Q2 25 | $-20.8M | $116.5M | ||
| Q1 25 | $-11.4M | $250.0K | ||
| Q4 24 | $-5.6M | $7.6M | ||
| Q3 24 | $4.3M | $-853.0K | ||
| Q2 24 | $3.1M | $91.2M | ||
| Q1 24 | $5.5M | $-2.3M |
| Q4 25 | 36.1% | 10.8% | ||
| Q3 25 | 46.3% | 10.0% | ||
| Q2 25 | 44.7% | 12.1% | ||
| Q1 25 | 46.8% | 8.8% | ||
| Q4 24 | 30.5% | 11.8% | ||
| Q3 24 | 38.5% | 4.6% | ||
| Q2 24 | 34.2% | — | ||
| Q1 24 | 8.4% | 8.3% |
| Q4 25 | 19.7% | 0.8% | ||
| Q3 25 | 39.8% | 2.3% | ||
| Q2 25 | -20.7% | 192.9% | ||
| Q1 25 | -12.5% | 0.4% | ||
| Q4 24 | -6.9% | 16.4% | ||
| Q3 24 | 4.7% | -1.9% | ||
| Q2 24 | 3.6% | 184.7% | ||
| Q1 24 | 8.8% | -4.7% |
| Q4 25 | $1.48 | $0.16 | ||
| Q3 25 | $0.77 | $0.49 | ||
| Q2 25 | $-0.78 | $43.67 | ||
| Q1 25 | $-0.48 | $0.08 | ||
| Q4 24 | $-0.11 | $2.71 | ||
| Q3 24 | $0.21 | $-0.36 | ||
| Q2 24 | $0.16 | $38.40 | ||
| Q1 24 | $0.10 | $-1.00 |
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 | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $58.5M | $188.7M |
| Total Assets | $754.1M | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $18.4M | ||
| Q3 25 | $45.5M | $16.6M | ||
| Q2 25 | $45.2M | $17.0M | ||
| Q1 25 | $58.0M | $13.3M | ||
| Q4 24 | $61.3M | $10.2M | ||
| Q3 24 | $44.8M | $6.3M | ||
| Q2 24 | $46.6M | $10.1M | ||
| Q1 24 | $47.2M | $5.9M |
| Q4 25 | — | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
| Q4 25 | $58.5M | $188.7M | ||
| Q3 25 | $49.4M | $187.6M | ||
| Q2 25 | $13.4M | $185.6M | ||
| Q1 25 | $22.6M | $68.6M | ||
| Q4 24 | $32.8M | $66.7M | ||
| Q3 24 | $34.9M | $56.4M | ||
| Q2 24 | $18.6M | $56.8M | ||
| Q1 24 | $18.2M | $-35.8M |
| Q4 25 | $754.1M | $588.3M | ||
| Q3 25 | $720.6M | $592.1M | ||
| Q2 25 | $673.4M | $599.0M | ||
| Q1 25 | $640.1M | $511.2M | ||
| Q4 24 | $641.2M | $530.1M | ||
| Q3 24 | $619.3M | $508.9M | ||
| Q2 24 | $573.1M | $530.5M | ||
| Q1 24 | $563.2M | $543.7M |
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 1.67× | ||
| Q3 24 | — | 1.69× | ||
| Q2 24 | — | 1.75× | ||
| 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 | $1.7M |
| Free Cash FlowOCF − Capex | $382.2M | $891.0K |
| FCF MarginFCF / Revenue | 446.6% | 1.6% |
| Capex IntensityCapex / Revenue | 22.3% | 1.4% |
| Cash ConversionOCF / Net Profit | 23.82× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $1.7M | ||
| Q3 25 | $105.1M | $2.3M | ||
| Q2 25 | $95.6M | $6.8M | ||
| Q1 25 | $83.7M | $6.2M | ||
| Q4 24 | $323.8M | $2.1M | ||
| Q3 24 | $77.6M | $-1.3M | ||
| Q2 24 | $77.3M | $5.1M | ||
| Q1 24 | $74.4M | $-277.0K |
| Q4 25 | $382.2M | $891.0K | ||
| Q3 25 | $99.9M | $1.9M | ||
| Q2 25 | $91.0M | $6.2M | ||
| Q1 25 | $79.3M | $5.9M | ||
| Q4 24 | $310.8M | $1.7M | ||
| Q3 24 | $73.7M | $-1.4M | ||
| Q2 24 | $74.7M | $5.1M | ||
| Q1 24 | $72.3M | $-326.0K |
| Q4 25 | 446.6% | 1.6% | ||
| Q3 25 | 95.6% | 3.2% | ||
| Q2 25 | 90.8% | 10.3% | ||
| Q1 25 | 87.4% | 10.3% | ||
| Q4 24 | 384.6% | 3.6% | ||
| Q3 24 | 80.8% | -3.0% | ||
| Q2 24 | 86.6% | 10.3% | ||
| Q1 24 | 114.4% | -0.7% |
| Q4 25 | 22.3% | 1.4% | ||
| Q3 25 | 5.0% | 0.7% | ||
| Q2 25 | 4.6% | 0.9% | ||
| Q1 25 | 4.8% | 0.6% | ||
| Q4 24 | 16.1% | 0.9% | ||
| Q3 24 | 4.3% | 0.0% | ||
| Q2 24 | 3.0% | 0.0% | ||
| Q1 24 | 3.4% | 0.1% |
| Q4 25 | 23.82× | 3.65× | ||
| Q3 25 | 2.52× | 1.68× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 18.19× | — | ||
| Q2 24 | 25.21× | 0.06× | ||
| 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.
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
