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Side-by-side financial comparison of OppFi Inc. (OPFI) and RE/MAX Holdings, Inc. (RMAX). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $71.1M, roughly 1.2× RE/MAX Holdings, Inc.). OppFi Inc. runs the higher net margin — 19.7% vs 2.0%, a 17.7% gap on every dollar of revenue. On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs -1.8%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $33.5M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs -4.7%).
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.
RE/MAX is an international real estate franchise operating in over 100 countries and territories that, in 2015, had over 100,000 agents in 6,800 offices.
OPFI vs RMAX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $71.1M |
| Net Profit | $16.8M | $1.4M |
| Gross Margin | — | — |
| Operating Margin | 36.1% | 13.1% |
| Net Margin | 19.7% | 2.0% |
| Revenue YoY | 5.9% | -1.8% |
| Net Profit YoY | 400.3% | -75.2% |
| EPS (diluted) | $1.48 | — |
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 | $71.1M | ||
| Q3 25 | $104.6M | $73.2M | ||
| Q2 25 | $100.2M | $72.8M | ||
| Q1 25 | $90.8M | $74.5M | ||
| Q4 24 | $80.8M | $72.5M | ||
| Q3 24 | $91.2M | $78.5M | ||
| Q2 24 | $86.3M | $78.5M | ||
| Q1 24 | $63.2M | $78.3M |
| Q4 25 | $16.8M | $1.4M | ||
| Q3 25 | $41.6M | $4.0M | ||
| Q2 25 | $-20.8M | $4.7M | ||
| Q1 25 | $-11.4M | $-2.0M | ||
| Q4 24 | $-5.6M | $5.8M | ||
| Q3 24 | $4.3M | $966.0K | ||
| Q2 24 | $3.1M | $3.7M | ||
| Q1 24 | $5.5M | $-3.4M |
| Q4 25 | 36.1% | 13.1% | ||
| Q3 25 | 46.3% | 25.0% | ||
| Q2 25 | 44.7% | 19.3% | ||
| Q1 25 | 46.8% | 7.2% | ||
| Q4 24 | 30.5% | 5.9% | ||
| Q3 24 | 38.5% | 19.4% | ||
| Q2 24 | 34.2% | 20.6% | ||
| Q1 24 | 8.4% | 5.8% |
| Q4 25 | 19.7% | 2.0% | ||
| Q3 25 | 39.8% | 5.4% | ||
| Q2 25 | -20.7% | 6.4% | ||
| Q1 25 | -12.5% | -2.6% | ||
| Q4 24 | -6.9% | 8.0% | ||
| Q3 24 | 4.7% | 1.2% | ||
| Q2 24 | 3.6% | 4.7% | ||
| Q1 24 | 8.8% | -4.3% |
| Q4 25 | $1.48 | — | ||
| Q3 25 | $0.77 | — | ||
| Q2 25 | $-0.78 | — | ||
| Q1 25 | $-0.48 | — | ||
| Q4 24 | $-0.11 | — | ||
| Q3 24 | $0.21 | — | ||
| Q2 24 | $0.16 | — | ||
| Q1 24 | $0.10 | — |
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 | $118.7M |
| Total DebtLower is stronger | — | $432.2M |
| Stockholders' EquityBook value | $58.5M | $452.4M |
| Total Assets | $754.1M | $582.5M |
| Debt / EquityLower = less leverage | — | 0.96× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $118.7M | ||
| Q3 25 | $45.5M | $107.5M | ||
| Q2 25 | $45.2M | $94.3M | ||
| Q1 25 | $58.0M | $89.1M | ||
| Q4 24 | $61.3M | $96.6M | ||
| Q3 24 | $44.8M | $83.8M | ||
| Q2 24 | $46.6M | $66.1M | ||
| Q1 24 | $47.2M | $82.1M |
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
| Q4 25 | $58.5M | $452.4M | ||
| Q3 25 | $49.4M | $448.1M | ||
| Q2 25 | $13.4M | $442.4M | ||
| Q1 25 | $22.6M | $433.5M | ||
| Q4 24 | $32.8M | $429.5M | ||
| Q3 24 | $34.9M | $423.1M | ||
| Q2 24 | $18.6M | $418.4M | ||
| Q1 24 | $18.2M | $412.0M |
| Q4 25 | $754.1M | $582.5M | ||
| Q3 25 | $720.6M | $582.2M | ||
| Q2 25 | $673.4M | $574.8M | ||
| Q1 25 | $640.1M | $571.4M | ||
| Q4 24 | $641.2M | $581.6M | ||
| Q3 24 | $619.3M | $578.6M | ||
| Q2 24 | $573.1M | $571.4M | ||
| Q1 24 | $563.2M | $566.7M |
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $40.9M |
| Free Cash FlowOCF − Capex | $382.2M | $33.5M |
| FCF MarginFCF / Revenue | 446.6% | 47.1% |
| Capex IntensityCapex / Revenue | 22.3% | 10.4% |
| Cash ConversionOCF / Net Profit | 23.82× | 28.39× |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $56.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $40.9M | ||
| Q3 25 | $105.1M | $17.7M | ||
| Q2 25 | $95.6M | $4.6M | ||
| Q1 25 | $83.7M | $5.7M | ||
| Q4 24 | $323.8M | $59.7M | ||
| Q3 24 | $77.6M | $17.6M | ||
| Q2 24 | $77.3M | $15.9M | ||
| Q1 24 | $74.4M | $9.4M |
| Q4 25 | $382.2M | $33.5M | ||
| Q3 25 | $99.9M | $16.4M | ||
| Q2 25 | $91.0M | $2.9M | ||
| Q1 25 | $79.3M | $4.0M | ||
| Q4 24 | $310.8M | $53.0M | ||
| Q3 24 | $73.7M | $16.3M | ||
| Q2 24 | $74.7M | $14.0M | ||
| Q1 24 | $72.3M | $6.8M |
| Q4 25 | 446.6% | 47.1% | ||
| Q3 25 | 95.6% | 22.4% | ||
| Q2 25 | 90.8% | 4.0% | ||
| Q1 25 | 87.4% | 5.3% | ||
| Q4 24 | 384.6% | 73.2% | ||
| Q3 24 | 80.8% | 20.8% | ||
| Q2 24 | 86.6% | 17.8% | ||
| Q1 24 | 114.4% | 8.6% |
| Q4 25 | 22.3% | 10.4% | ||
| Q3 25 | 5.0% | 1.8% | ||
| Q2 25 | 4.6% | 2.2% | ||
| Q1 25 | 4.8% | 2.3% | ||
| Q4 24 | 16.1% | 9.1% | ||
| Q3 24 | 4.3% | 1.7% | ||
| Q2 24 | 3.0% | 2.4% | ||
| Q1 24 | 3.4% | 3.3% |
| Q4 25 | 23.82× | 28.39× | ||
| Q3 25 | 2.52× | 4.45× | ||
| Q2 25 | — | 0.97× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | 18.19× | 18.22× | ||
| Q2 24 | 25.21× | 4.29× | ||
| 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.
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
