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Side-by-side financial comparison of OppFi Inc. (OPFI) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $78.6M, roughly 1.1× Repay Holdings Corp). OppFi Inc. runs the higher net margin — 19.7% vs -178.3%, a 198.0% gap on every dollar of revenue. On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs 0.4%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $23.2M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
OPFI vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $78.6M |
| Net Profit | $16.8M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 36.1% | -182.2% |
| Net Margin | 19.7% | -178.3% |
| Revenue YoY | 5.9% | 0.4% |
| Net Profit YoY | 400.3% | -3304.1% |
| EPS (diluted) | $1.48 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $104.6M | $77.7M | ||
| Q2 25 | $100.2M | $75.6M | ||
| Q1 25 | $90.8M | $77.3M | ||
| Q4 24 | $80.8M | $78.3M | ||
| Q3 24 | $91.2M | $79.1M | ||
| Q2 24 | $86.3M | $74.9M | ||
| Q1 24 | $63.2M | $80.7M |
| Q4 25 | $16.8M | $-140.1M | ||
| Q3 25 | $41.6M | $-6.4M | ||
| Q2 25 | $-20.8M | $-102.3M | ||
| Q1 25 | $-11.4M | $-7.9M | ||
| Q4 24 | $-5.6M | $-4.1M | ||
| Q3 24 | $4.3M | $3.2M | ||
| Q2 24 | $3.1M | $-4.1M | ||
| Q1 24 | $5.5M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 36.1% | -182.2% | ||
| Q3 25 | 46.3% | -3.9% | ||
| Q2 25 | 44.7% | -138.7% | ||
| Q1 25 | 46.8% | -4.7% | ||
| Q4 24 | 30.5% | -1.5% | ||
| Q3 24 | 38.5% | -0.9% | ||
| Q2 24 | 34.2% | -4.6% | ||
| Q1 24 | 8.4% | -3.1% |
| Q4 25 | 19.7% | -178.3% | ||
| Q3 25 | 39.8% | -8.3% | ||
| Q2 25 | -20.7% | -135.2% | ||
| Q1 25 | -12.5% | -10.3% | ||
| Q4 24 | -6.9% | -5.3% | ||
| Q3 24 | 4.7% | 4.1% | ||
| Q2 24 | 3.6% | -5.4% | ||
| Q1 24 | 8.8% | -6.5% |
| Q4 25 | $1.48 | $-1.68 | ||
| Q3 25 | $0.77 | $-0.08 | ||
| Q2 25 | $-0.78 | $-1.15 | ||
| Q1 25 | $-0.48 | $-0.09 | ||
| Q4 24 | $-0.11 | $-0.04 | ||
| Q3 24 | $0.21 | $0.03 | ||
| Q2 24 | $0.16 | $-0.04 | ||
| Q1 24 | $0.10 | $-0.06 |
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 | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $58.5M | $484.4M |
| Total Assets | $754.1M | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $115.7M | ||
| Q3 25 | $45.5M | $95.7M | ||
| Q2 25 | $45.2M | $162.6M | ||
| Q1 25 | $58.0M | $165.5M | ||
| Q4 24 | $61.3M | $189.5M | ||
| Q3 24 | $44.8M | $168.7M | ||
| Q2 24 | $46.6M | $147.1M | ||
| Q1 24 | $47.2M | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $58.5M | $484.4M | ||
| Q3 25 | $49.4M | $616.9M | ||
| Q2 25 | $13.4M | $633.7M | ||
| Q1 25 | $22.6M | $755.7M | ||
| Q4 24 | $32.8M | $761.3M | ||
| Q3 24 | $34.9M | $754.7M | ||
| Q2 24 | $18.6M | $815.4M | ||
| Q1 24 | $18.2M | $813.8M |
| Q4 25 | $754.1M | $1.2B | ||
| Q3 25 | $720.6M | $1.3B | ||
| Q2 25 | $673.4M | $1.4B | ||
| Q1 25 | $640.1M | $1.5B | ||
| Q4 24 | $641.2M | $1.6B | ||
| Q3 24 | $619.3M | $1.6B | ||
| Q2 24 | $573.1M | $1.5B | ||
| Q1 24 | $563.2M | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| Free Cash FlowOCF − Capex | $382.2M | $23.2M |
| FCF MarginFCF / Revenue | 446.6% | 29.6% |
| Capex IntensityCapex / Revenue | 22.3% | 0.1% |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $23.3M | ||
| Q3 25 | $105.1M | $32.2M | ||
| Q2 25 | $95.6M | $33.1M | ||
| Q1 25 | $83.7M | $2.5M | ||
| Q4 24 | $323.8M | $34.3M | ||
| Q3 24 | $77.6M | $60.1M | ||
| Q2 24 | $77.3M | $31.0M | ||
| Q1 24 | $74.4M | $24.8M |
| Q4 25 | $382.2M | $23.2M | ||
| Q3 25 | $99.9M | $32.1M | ||
| Q2 25 | $91.0M | $33.0M | ||
| Q1 25 | $79.3M | $2.4M | ||
| Q4 24 | $310.8M | $34.0M | ||
| Q3 24 | $73.7M | $59.8M | ||
| Q2 24 | $74.7M | $30.5M | ||
| Q1 24 | $72.3M | $24.7M |
| Q4 25 | 446.6% | 29.6% | ||
| Q3 25 | 95.6% | 41.3% | ||
| Q2 25 | 90.8% | 43.6% | ||
| Q1 25 | 87.4% | 3.0% | ||
| Q4 24 | 384.6% | 43.5% | ||
| Q3 24 | 80.8% | 75.6% | ||
| Q2 24 | 86.6% | 40.7% | ||
| Q1 24 | 114.4% | 30.6% |
| Q4 25 | 22.3% | 0.1% | ||
| Q3 25 | 5.0% | 0.2% | ||
| Q2 25 | 4.6% | 0.1% | ||
| Q1 25 | 4.8% | 0.2% | ||
| Q4 24 | 16.1% | 0.3% | ||
| Q3 24 | 4.3% | 0.3% | ||
| Q2 24 | 3.0% | 0.6% | ||
| Q1 24 | 3.4% | 0.1% |
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | 18.52× | ||
| Q2 24 | 25.21× | — | ||
| 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.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
