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Side-by-side financial comparison of OppFi Inc. (OPFI) and Talkspace, Inc. (TALK). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $63.0M, roughly 1.4× Talkspace, Inc.). OppFi Inc. runs the higher net margin — 19.7% vs 7.6%, a 12.1% gap on every dollar of revenue. On growth, Talkspace, Inc. posted the faster year-over-year revenue change (29.3% vs 5.9%). Over the past eight quarters, Talkspace, Inc.'s revenue compounded faster (17.8% 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.
Talkspace, Inc. is an American company that provides online and mobile therapy services. Founded in 2012 by Oren and Roni Frank, Talkspace connects users with licensed therapists and psychiatrists through web and mobile platforms. The service offers communication through text, audio, and video messaging, as well as live video sessions in some cases. The company is headquartered in New York City.
OPFI vs TALK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $63.0M |
| Net Profit | $16.8M | $4.8M |
| Gross Margin | — | — |
| Operating Margin | 36.1% | 6.1% |
| Net Margin | 19.7% | 7.6% |
| Revenue YoY | 5.9% | 29.3% |
| Net Profit YoY | 400.3% | 292.5% |
| 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 | $63.0M | ||
| Q3 25 | $104.6M | $59.4M | ||
| Q2 25 | $100.2M | $54.3M | ||
| Q1 25 | $90.8M | $52.2M | ||
| Q4 24 | $80.8M | $48.7M | ||
| Q3 24 | $91.2M | $47.4M | ||
| Q2 24 | $86.3M | $46.1M | ||
| Q1 24 | $63.2M | $45.4M |
| Q4 25 | $16.8M | $4.8M | ||
| Q3 25 | $41.6M | $3.3M | ||
| Q2 25 | $-20.8M | $-541.0K | ||
| Q1 25 | $-11.4M | $318.0K | ||
| Q4 24 | $-5.6M | $1.2M | ||
| Q3 24 | $4.3M | $1.9M | ||
| Q2 24 | $3.1M | $-474.0K | ||
| Q1 24 | $5.5M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 44.6% | ||
| Q4 24 | — | 44.2% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 45.5% | ||
| Q1 24 | — | 47.8% |
| Q4 25 | 36.1% | 6.1% | ||
| Q3 25 | 46.3% | 3.7% | ||
| Q2 25 | 44.7% | -3.3% | ||
| Q1 25 | 46.8% | -2.1% | ||
| Q4 24 | 30.5% | 1.2% | ||
| Q3 24 | 38.5% | 0.2% | ||
| Q2 24 | 34.2% | -7.6% | ||
| Q1 24 | 8.4% | -3.7% |
| Q4 25 | 19.7% | 7.6% | ||
| Q3 25 | 39.8% | 5.5% | ||
| Q2 25 | -20.7% | -1.0% | ||
| Q1 25 | -12.5% | 0.6% | ||
| Q4 24 | -6.9% | 2.5% | ||
| Q3 24 | 4.7% | 4.0% | ||
| Q2 24 | 3.6% | -1.0% | ||
| Q1 24 | 8.8% | -3.2% |
| Q4 25 | $1.48 | — | ||
| Q3 25 | $0.77 | $0.02 | ||
| Q2 25 | $-0.78 | — | ||
| Q1 25 | $-0.48 | $0.00 | ||
| Q4 24 | $-0.11 | $0.01 | ||
| Q3 24 | $0.21 | $0.01 | ||
| Q2 24 | $0.16 | $0.00 | ||
| Q1 24 | $0.10 | $-0.01 |
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 | $37.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $117.0M |
| Total Assets | $754.1M | $134.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $37.4M | ||
| Q3 25 | $45.5M | $39.5M | ||
| Q2 25 | $45.2M | $54.3M | ||
| Q1 25 | $58.0M | $60.1M | ||
| Q4 24 | $61.3M | $76.7M | ||
| Q3 24 | $44.8M | $119.0M | ||
| Q2 24 | $46.6M | $114.9M | ||
| Q1 24 | $47.2M | $120.3M |
| Q4 25 | $58.5M | $117.0M | ||
| Q3 25 | $49.4M | $109.1M | ||
| Q2 25 | $13.4M | $112.9M | ||
| Q1 25 | $22.6M | $113.4M | ||
| Q4 24 | $32.8M | $117.4M | ||
| Q3 24 | $34.9M | $117.6M | ||
| Q2 24 | $18.6M | $114.0M | ||
| Q1 24 | $18.2M | $119.6M |
| Q4 25 | $754.1M | $134.9M | ||
| Q3 25 | $720.6M | $129.1M | ||
| Q2 25 | $673.4M | $132.8M | ||
| Q1 25 | $640.1M | $134.2M | ||
| Q4 24 | $641.2M | $138.7M | ||
| Q3 24 | $619.3M | $138.2M | ||
| Q2 24 | $573.1M | $133.8M | ||
| Q1 24 | $563.2M | $138.3M |
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 | $5.4M |
| Free Cash FlowOCF − Capex | $382.2M | — |
| FCF MarginFCF / Revenue | 446.6% | — |
| Capex IntensityCapex / Revenue | 22.3% | — |
| Cash ConversionOCF / Net Profit | 23.82× | 1.13× |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $5.4M | ||
| Q3 25 | $105.1M | $4.7M | ||
| Q2 25 | $95.6M | $-351.0K | ||
| Q1 25 | $83.7M | $-1.2M | ||
| Q4 24 | $323.8M | $3.7M | ||
| Q3 24 | $77.6M | $6.2M | ||
| Q2 24 | $77.3M | $4.8M | ||
| Q1 24 | $74.4M | $-3.4M |
| 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 | $4.5M | ||
| Q1 24 | $72.3M | $-3.8M |
| 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% | 9.7% | ||
| Q1 24 | 114.4% | -8.3% |
| 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% | 0.7% | ||
| Q1 24 | 3.4% | 0.8% |
| Q4 25 | 23.82× | 1.13× | ||
| Q3 25 | 2.52× | 1.46× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -3.90× | ||
| Q4 24 | — | 3.02× | ||
| Q3 24 | 18.19× | 3.31× | ||
| 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.
TALK
| Payor Revenue | $47.7M | 76% |
| Dte Revenue | $11.6M | 18% |
| Consumer | $3.7M | 6% |
