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Side-by-side financial comparison of OppFi Inc. (OPFI) and Latham Group, Inc. (SWIM). Click either name above to swap in a different company.
Latham Group, Inc. is the larger business by last-quarter revenue ($100.0M vs $85.6M, roughly 1.2× OppFi Inc.). OppFi Inc. runs the higher net margin — 19.7% vs -7.0%, a 26.7% gap on every dollar of revenue. On growth, Latham Group, Inc. posted the faster year-over-year revenue change (14.5% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $14.1M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs -4.9%).
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.
Latham & Watkins LLP is an American multinational law firm. Founded in 1934 in Los Angeles, California, it is known for its litigation, corporate, and regulatory law practices.
OPFI vs SWIM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $100.0M |
| Net Profit | $16.8M | $-7.0M |
| Gross Margin | — | 28.0% |
| Operating Margin | 36.1% | -10.7% |
| Net Margin | 19.7% | -7.0% |
| Revenue YoY | 5.9% | 14.5% |
| Net Profit YoY | 400.3% | 76.0% |
| EPS (diluted) | $1.48 | $-0.06 |
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 | $100.0M | ||
| Q3 25 | $104.6M | $161.9M | ||
| Q2 25 | $100.2M | $172.6M | ||
| Q1 25 | $90.8M | $111.4M | ||
| Q4 24 | $80.8M | $87.3M | ||
| Q3 24 | $91.2M | $150.5M | ||
| Q2 24 | $86.3M | $160.1M | ||
| Q1 24 | $63.2M | $110.6M |
| Q4 25 | $16.8M | $-7.0M | ||
| Q3 25 | $41.6M | $8.1M | ||
| Q2 25 | $-20.8M | $16.0M | ||
| Q1 25 | $-11.4M | $-6.0M | ||
| Q4 24 | $-5.6M | $-29.2M | ||
| Q3 24 | $4.3M | $5.9M | ||
| Q2 24 | $3.1M | $13.3M | ||
| Q1 24 | $5.5M | $-7.9M |
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% | ||
| Q1 24 | — | 27.7% |
| Q4 25 | 36.1% | -10.7% | ||
| Q3 25 | 46.3% | 13.3% | ||
| Q2 25 | 44.7% | 14.3% | ||
| Q1 25 | 46.8% | -4.4% | ||
| Q4 24 | 30.5% | -14.9% | ||
| Q3 24 | 38.5% | 8.9% | ||
| Q2 24 | 34.2% | 12.5% | ||
| Q1 24 | 8.4% | -1.9% |
| Q4 25 | 19.7% | -7.0% | ||
| Q3 25 | 39.8% | 5.0% | ||
| Q2 25 | -20.7% | 9.3% | ||
| Q1 25 | -12.5% | -5.4% | ||
| Q4 24 | -6.9% | -33.4% | ||
| Q3 24 | 4.7% | 3.9% | ||
| Q2 24 | 3.6% | 8.3% | ||
| Q1 24 | 8.8% | -7.1% |
| Q4 25 | $1.48 | $-0.06 | ||
| Q3 25 | $0.77 | $0.07 | ||
| Q2 25 | $-0.78 | $0.13 | ||
| Q1 25 | $-0.48 | $-0.05 | ||
| Q4 24 | $-0.11 | $-0.24 | ||
| Q3 24 | $0.21 | $0.05 | ||
| Q2 24 | $0.16 | $0.11 | ||
| Q1 24 | $0.10 | $-0.07 |
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 | — |
| Total DebtLower is stronger | — | $279.8M |
| Stockholders' EquityBook value | $58.5M | $405.9M |
| Total Assets | $754.1M | $823.2M |
| Debt / EquityLower = less leverage | — | 0.69× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | — | ||
| Q3 25 | $45.5M | — | ||
| Q2 25 | $45.2M | — | ||
| Q1 25 | $58.0M | — | ||
| Q4 24 | $61.3M | — | ||
| Q3 24 | $44.8M | — | ||
| Q2 24 | $46.6M | — | ||
| Q1 24 | $47.2M | — |
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M | ||
| Q1 24 | — | $282.8M |
| Q4 25 | $58.5M | $405.9M | ||
| Q3 25 | $49.4M | $408.4M | ||
| Q2 25 | $13.4M | $398.4M | ||
| Q1 25 | $22.6M | $381.1M | ||
| Q4 24 | $32.8M | $387.2M | ||
| Q3 24 | $34.9M | $416.6M | ||
| Q2 24 | $18.6M | $408.1M | ||
| Q1 24 | $18.2M | $391.8M |
| Q4 25 | $754.1M | $823.2M | ||
| Q3 25 | $720.6M | $844.4M | ||
| Q2 25 | $673.4M | $822.1M | ||
| Q1 25 | $640.1M | $824.6M | ||
| Q4 24 | $641.2M | $794.2M | ||
| Q3 24 | $619.3M | $853.4M | ||
| Q2 24 | $573.1M | $830.0M | ||
| Q1 24 | $563.2M | $808.6M |
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× | ||
| Q1 24 | — | 0.72× |
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 | $14.1M |
| FCF MarginFCF / Revenue | 446.6% | 14.1% |
| Capex IntensityCapex / Revenue | 22.3% | 9.2% |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $38.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $23.3M | ||
| Q3 25 | $105.1M | $51.0M | ||
| Q2 25 | $95.6M | $36.0M | ||
| Q1 25 | $83.7M | $-46.9M | ||
| Q4 24 | $323.8M | $6.2M | ||
| Q3 24 | $77.6M | $37.2M | ||
| Q2 24 | $77.3M | $52.4M | ||
| Q1 24 | $74.4M | $-34.5M |
| Q4 25 | $382.2M | $14.1M | ||
| Q3 25 | $99.9M | $45.2M | ||
| Q2 25 | $91.0M | $29.1M | ||
| Q1 25 | $79.3M | $-50.3M | ||
| Q4 24 | $310.8M | $-98.0K | ||
| Q3 24 | $73.7M | $33.2M | ||
| Q2 24 | $74.7M | $47.9M | ||
| Q1 24 | $72.3M | $-39.9M |
| Q4 25 | 446.6% | 14.1% | ||
| Q3 25 | 95.6% | 27.9% | ||
| Q2 25 | 90.8% | 16.8% | ||
| Q1 25 | 87.4% | -45.2% | ||
| Q4 24 | 384.6% | -0.1% | ||
| Q3 24 | 80.8% | 22.1% | ||
| Q2 24 | 86.6% | 29.9% | ||
| Q1 24 | 114.4% | -36.0% |
| Q4 25 | 22.3% | 9.2% | ||
| Q3 25 | 5.0% | 3.6% | ||
| Q2 25 | 4.6% | 4.0% | ||
| Q1 25 | 4.8% | 3.1% | ||
| Q4 24 | 16.1% | 7.2% | ||
| Q3 24 | 4.3% | 2.7% | ||
| Q2 24 | 3.0% | 2.8% | ||
| Q1 24 | 3.4% | 4.8% |
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | 6.29× | ||
| Q2 25 | — | 2.25× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | 6.32× | ||
| Q2 24 | 25.21× | 3.95× | ||
| 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.
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
