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Side-by-side financial comparison of OppFi Inc. (OPFI) and STEM, INC. (STEM). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $47.1M, roughly 1.8× STEM, INC.). OppFi Inc. runs the higher net margin — 19.7% vs -33.9%, a 53.6% gap on every dollar of revenue. On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 16.3%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
OPFI vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $47.1M |
| Net Profit | $16.8M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 36.1% | -17.7% |
| Net Margin | 19.7% | -33.9% |
| Revenue YoY | 5.9% | -15.6% |
| Net Profit YoY | 400.3% | 68.8% |
| EPS (diluted) | $1.48 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $104.6M | $38.2M | ||
| Q2 25 | $100.2M | $38.4M | ||
| Q1 25 | $90.8M | $32.5M | ||
| Q4 24 | $80.8M | $55.8M | ||
| Q3 24 | $91.2M | $29.3M | ||
| Q2 24 | $86.3M | $34.0M | ||
| Q1 24 | $63.2M | $25.5M |
| Q4 25 | $16.8M | $-16.0M | ||
| Q3 25 | $41.6M | $-23.8M | ||
| Q2 25 | $-20.8M | $202.5M | ||
| Q1 25 | $-11.4M | $-25.0M | ||
| Q4 24 | $-5.6M | $-51.1M | ||
| Q3 24 | $4.3M | $-148.3M | ||
| Q2 24 | $3.1M | $-582.3M | ||
| Q1 24 | $5.5M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 36.1% | -17.7% | ||
| Q3 25 | 46.3% | -33.6% | ||
| Q2 25 | 44.7% | -34.8% | ||
| Q1 25 | 46.8% | -65.0% | ||
| Q4 24 | 30.5% | -84.4% | ||
| Q3 24 | 38.5% | -493.2% | ||
| Q2 24 | 34.2% | -1705.5% | ||
| Q1 24 | 8.4% | -267.0% |
| Q4 25 | 19.7% | -33.9% | ||
| Q3 25 | 39.8% | -62.2% | ||
| Q2 25 | -20.7% | 527.8% | ||
| Q1 25 | -12.5% | -76.9% | ||
| Q4 24 | -6.9% | -91.6% | ||
| Q3 24 | 4.7% | -506.3% | ||
| Q2 24 | 3.6% | -1712.6% | ||
| Q1 24 | 8.8% | -283.9% |
| Q4 25 | $1.48 | $-4.40 | ||
| Q3 25 | $0.77 | $-2.84 | ||
| Q2 25 | $-0.78 | $-1.79 | ||
| Q1 25 | $-0.48 | $-0.15 | ||
| Q4 24 | $-0.11 | $-15.29 | ||
| Q3 24 | $0.21 | $-18.24 | ||
| Q2 24 | $0.16 | $-71.81 | ||
| Q1 24 | $0.10 | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $-249.4M |
| Total Assets | $754.1M | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $48.9M | ||
| Q3 25 | $45.5M | $43.1M | ||
| Q2 25 | $45.2M | $40.8M | ||
| Q1 25 | $58.0M | $58.6M | ||
| Q4 24 | $61.3M | $56.3M | ||
| Q3 24 | $44.8M | $75.4M | ||
| Q2 24 | $46.6M | $89.6M | ||
| Q1 24 | $47.2M | $112.8M |
| Q4 25 | $58.5M | $-249.4M | ||
| Q3 25 | $49.4M | $-235.7M | ||
| Q2 25 | $13.4M | $-214.1M | ||
| Q1 25 | $22.6M | $-417.5M | ||
| Q4 24 | $32.8M | $-398.4M | ||
| Q3 24 | $34.9M | $-344.1M | ||
| Q2 24 | $18.6M | $-203.2M | ||
| Q1 24 | $18.2M | $371.6M |
| Q4 25 | $754.1M | $308.9M | ||
| Q3 25 | $720.6M | $362.6M | ||
| Q2 25 | $673.4M | $379.2M | ||
| Q1 25 | $640.1M | $405.1M | ||
| Q4 24 | $641.2M | $437.4M | ||
| Q3 24 | $619.3M | $537.8M | ||
| Q2 24 | $573.1M | $691.5M | ||
| Q1 24 | $563.2M | $1.3B |
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 | $8.2M |
| Free Cash FlowOCF − Capex | $382.2M | — |
| FCF MarginFCF / Revenue | 446.6% | — |
| Capex IntensityCapex / Revenue | 22.3% | — |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $8.2M | ||
| Q3 25 | $105.1M | $11.4M | ||
| Q2 25 | $95.6M | $-21.3M | ||
| Q1 25 | $83.7M | $8.5M | ||
| Q4 24 | $323.8M | $-14.7M | ||
| Q3 24 | $77.6M | $-9.4M | ||
| Q2 24 | $77.3M | $-11.9M | ||
| Q1 24 | $74.4M | $-621.0K |
| Q4 25 | $382.2M | — | ||
| Q3 25 | $99.9M | — | ||
| Q2 25 | $91.0M | — | ||
| Q1 25 | $79.3M | — | ||
| Q4 24 | $310.8M | — | ||
| Q3 24 | $73.7M | — | ||
| Q2 24 | $74.7M | — | ||
| Q1 24 | $72.3M | — |
| Q4 25 | 446.6% | — | ||
| Q3 25 | 95.6% | — | ||
| Q2 25 | 90.8% | — | ||
| Q1 25 | 87.4% | — | ||
| Q4 24 | 384.6% | — | ||
| Q3 24 | 80.8% | — | ||
| Q2 24 | 86.6% | — | ||
| Q1 24 | 114.4% | — |
| Q4 25 | 22.3% | — | ||
| Q3 25 | 5.0% | — | ||
| Q2 25 | 4.6% | — | ||
| Q1 25 | 4.8% | — | ||
| Q4 24 | 16.1% | — | ||
| Q3 24 | 4.3% | — | ||
| Q2 24 | 3.0% | — | ||
| Q1 24 | 3.4% | — |
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | — | ||
| Q2 25 | — | -0.11× | ||
| 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.
