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Side-by-side financial comparison of OppFi Inc. (OPFI) and Sprout Social, Inc. (SPT). Click either name above to swap in a different company.
Sprout Social, Inc. is the larger business by last-quarter revenue ($120.9M vs $85.6M, roughly 1.4× OppFi Inc.). On growth, Sprout Social, Inc. posted the faster year-over-year revenue change (12.9% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $9.9M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 11.8%).
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.
Sprout Social, Inc. is a technology company that runs a social media management platform. A public company headquartered in Chicago, it was founded in 2010 by Justyn Howard, Aaron Rankin, Gil Lara, and Peter Soung.
OPFI vs SPT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $120.9M |
| Net Profit | $16.8M | — |
| Gross Margin | — | 77.6% |
| Operating Margin | 36.1% | -9.0% |
| Net Margin | 19.7% | — |
| Revenue YoY | 5.9% | 12.9% |
| Net Profit YoY | 400.3% | — |
| EPS (diluted) | $1.48 | $-0.18 |
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 | $120.9M | ||
| Q3 25 | $104.6M | $115.6M | ||
| Q2 25 | $100.2M | $111.8M | ||
| Q1 25 | $90.8M | $109.3M | ||
| Q4 24 | $80.8M | $107.1M | ||
| Q3 24 | $91.2M | $102.6M | ||
| Q2 24 | $86.3M | $99.4M | ||
| Q1 24 | $63.2M | $96.8M |
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $-9.4M | ||
| Q2 25 | $-20.8M | $-12.0M | ||
| Q1 25 | $-11.4M | $-11.2M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $-17.1M | ||
| Q2 24 | $3.1M | $-16.9M | ||
| Q1 24 | $5.5M | $-13.6M |
| Q4 25 | — | 77.6% | ||
| Q3 25 | — | 77.7% | ||
| Q2 25 | — | 77.7% | ||
| Q1 25 | — | 77.3% | ||
| Q4 24 | — | 78.1% | ||
| Q3 24 | — | 77.4% | ||
| Q2 24 | — | 77.5% | ||
| Q1 24 | — | 76.8% |
| Q4 25 | 36.1% | -9.0% | ||
| Q3 25 | 46.3% | -7.9% | ||
| Q2 25 | 44.7% | -11.0% | ||
| Q1 25 | 46.8% | -10.2% | ||
| Q4 24 | 30.5% | -12.8% | ||
| Q3 24 | 38.5% | -16.4% | ||
| Q2 24 | 34.2% | -16.6% | ||
| Q1 24 | 8.4% | -13.7% |
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | -8.1% | ||
| Q2 25 | -20.7% | -10.7% | ||
| Q1 25 | -12.5% | -10.3% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | -16.6% | ||
| Q2 24 | 3.6% | -17.0% | ||
| Q1 24 | 8.8% | -14.0% |
| Q4 25 | $1.48 | $-0.18 | ||
| Q3 25 | $0.77 | $-0.16 | ||
| Q2 25 | $-0.78 | $-0.21 | ||
| Q1 25 | $-0.48 | $-0.19 | ||
| Q4 24 | $-0.11 | $-0.25 | ||
| Q3 24 | $0.21 | $-0.30 | ||
| Q2 24 | $0.16 | $-0.30 | ||
| Q1 24 | $0.10 | $-0.24 |
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 | $95.3M |
| Total DebtLower is stronger | — | $40.0M |
| Stockholders' EquityBook value | $58.5M | $203.4M |
| Total Assets | $754.1M | $523.1M |
| Debt / EquityLower = less leverage | — | 0.20× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $95.3M | ||
| Q3 25 | $45.5M | $90.6M | ||
| Q2 25 | $45.2M | $101.5M | ||
| Q1 25 | $58.0M | $100.9M | ||
| Q4 24 | $61.3M | $86.4M | ||
| Q3 24 | $44.8M | $82.9M | ||
| Q2 24 | $46.6M | $80.9M | ||
| Q1 24 | $47.2M | $69.2M |
| Q4 25 | — | $40.0M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $25.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $58.5M | $203.4M | ||
| Q3 25 | $49.4M | $194.1M | ||
| Q2 25 | $13.4M | $184.6M | ||
| Q1 25 | $22.6M | $175.3M | ||
| Q4 24 | $32.8M | $166.6M | ||
| Q3 24 | $34.9M | $158.1M | ||
| Q2 24 | $18.6M | $152.1M | ||
| Q1 24 | $18.2M | $147.3M |
| Q4 25 | $754.1M | $523.1M | ||
| Q3 25 | $720.6M | $481.4M | ||
| Q2 25 | $673.4M | $422.9M | ||
| Q1 25 | $640.1M | $424.7M | ||
| Q4 24 | $641.2M | $428.3M | ||
| Q3 24 | $619.3M | $388.8M | ||
| Q2 24 | $573.1M | $393.6M | ||
| Q1 24 | $563.2M | $389.9M |
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.15× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $10.9M |
| Free Cash FlowOCF − Capex | $382.2M | $9.9M |
| FCF MarginFCF / Revenue | 446.6% | 8.2% |
| Capex IntensityCapex / Revenue | 22.3% | 0.9% |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $39.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $10.9M | ||
| Q3 25 | $105.1M | $9.3M | ||
| Q2 25 | $95.6M | $5.1M | ||
| Q1 25 | $83.7M | $18.1M | ||
| Q4 24 | $323.8M | $4.1M | ||
| Q3 24 | $77.6M | $9.0M | ||
| Q2 24 | $77.3M | $2.1M | ||
| Q1 24 | $74.4M | $11.2M |
| Q4 25 | $382.2M | $9.9M | ||
| Q3 25 | $99.9M | $8.5M | ||
| Q2 25 | $91.0M | $4.2M | ||
| Q1 25 | $79.3M | $16.7M | ||
| Q4 24 | $310.8M | $3.3M | ||
| Q3 24 | $73.7M | $8.5M | ||
| Q2 24 | $74.7M | $1.6M | ||
| Q1 24 | $72.3M | $10.1M |
| Q4 25 | 446.6% | 8.2% | ||
| Q3 25 | 95.6% | 7.4% | ||
| Q2 25 | 90.8% | 3.7% | ||
| Q1 25 | 87.4% | 15.3% | ||
| Q4 24 | 384.6% | 3.0% | ||
| Q3 24 | 80.8% | 8.3% | ||
| Q2 24 | 86.6% | 1.6% | ||
| Q1 24 | 114.4% | 10.4% |
| Q4 25 | 22.3% | 0.9% | ||
| Q3 25 | 5.0% | 0.7% | ||
| Q2 25 | 4.6% | 0.8% | ||
| Q1 25 | 4.8% | 1.2% | ||
| Q4 24 | 16.1% | 0.8% | ||
| Q3 24 | 4.3% | 0.5% | ||
| Q2 24 | 3.0% | 0.5% | ||
| Q1 24 | 3.4% | 1.1% |
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | — | ||
| Q2 24 | 25.21× | — | ||
| Q1 24 | 13.44× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
