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Side-by-side financial comparison of OppFi Inc. (OPFI) and Target Hospitality Corp. (TH). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $73.5M, roughly 1.2× Target Hospitality Corp.). OppFi Inc. runs the higher net margin — 19.7% vs -20.3%, a 40.0% gap on every dollar of revenue. On growth, Target Hospitality Corp. posted the faster year-over-year revenue change (22.0% vs 5.9%). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 0.7%).
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.
Target Hospitality is a company that provides workforce lodging and other temporary, modular housing used for oil, gas and mining operations; large-scale events; and disaster relief. Target Hospitality is based in The Woodlands, Texas, and also has offices in Williston, North Dakota; Denver, Colorado; Calgary, Alberta.
OPFI vs TH — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $73.5M |
| Net Profit | $16.8M | $-14.9M |
| Gross Margin | — | 9.6% |
| Operating Margin | 36.1% | -22.9% |
| Net Margin | 19.7% | -20.3% |
| Revenue YoY | 5.9% | 22.0% |
| Net Profit YoY | 400.3% | -219.1% |
| EPS (diluted) | $1.48 | $-0.14 |
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 | $73.5M | ||
| Q3 25 | $104.6M | $91.6M | ||
| Q2 25 | $100.2M | $54.9M | ||
| Q1 25 | $90.8M | $54.9M | ||
| Q4 24 | $80.8M | $60.2M | ||
| Q3 24 | $91.2M | $65.8M | ||
| Q2 24 | $86.3M | $67.5M | ||
| Q1 24 | $63.2M | $72.4M |
| Q4 25 | $16.8M | $-14.9M | ||
| Q3 25 | $41.6M | $-795.0K | ||
| Q2 25 | $-20.8M | $-14.9M | ||
| Q1 25 | $-11.4M | $-6.5M | ||
| Q4 24 | $-5.6M | $12.5M | ||
| Q3 24 | $4.3M | $20.0M | ||
| Q2 24 | $3.1M | $18.4M | ||
| Q1 24 | $5.5M | $20.4M |
| Q4 25 | — | 9.6% | ||
| Q3 25 | — | 19.6% | ||
| Q2 25 | — | -0.6% | ||
| Q1 25 | — | 32.7% | ||
| Q4 24 | — | 61.5% | ||
| Q3 24 | — | 68.7% | ||
| Q2 24 | — | 69.4% | ||
| Q1 24 | — | 67.8% |
| Q4 25 | 36.1% | -22.9% | ||
| Q3 25 | 46.3% | 0.1% | ||
| Q2 25 | 44.7% | -30.8% | ||
| Q1 25 | 46.8% | -2.0% | ||
| Q4 24 | 30.5% | 34.5% | ||
| Q3 24 | 38.5% | 42.5% | ||
| Q2 24 | 34.2% | 43.8% | ||
| Q1 24 | 8.4% | 42.0% |
| Q4 25 | 19.7% | -20.3% | ||
| Q3 25 | 39.8% | -0.9% | ||
| Q2 25 | -20.7% | -27.2% | ||
| Q1 25 | -12.5% | -11.8% | ||
| Q4 24 | -6.9% | 20.8% | ||
| Q3 24 | 4.7% | 30.4% | ||
| Q2 24 | 3.6% | 27.2% | ||
| Q1 24 | 8.8% | 28.2% |
| Q4 25 | $1.48 | $-0.14 | ||
| Q3 25 | $0.77 | $-0.01 | ||
| Q2 25 | $-0.78 | $-0.15 | ||
| Q1 25 | $-0.48 | $-0.07 | ||
| Q4 24 | $-0.11 | $0.12 | ||
| Q3 24 | $0.21 | $0.20 | ||
| Q2 24 | $0.16 | $0.18 | ||
| Q1 24 | $0.10 | $0.20 |
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 | $8.3M |
| Total DebtLower is stronger | — | $1.7M |
| Stockholders' EquityBook value | $58.5M | $389.3M |
| Total Assets | $754.1M | $530.2M |
| Debt / EquityLower = less leverage | — | 0.00× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $8.3M | ||
| Q3 25 | $45.5M | $30.4M | ||
| Q2 25 | $45.2M | $19.2M | ||
| Q1 25 | $58.0M | $34.5M | ||
| Q4 24 | $61.3M | $190.7M | ||
| Q3 24 | $44.8M | $177.7M | ||
| Q2 24 | $46.6M | $154.3M | ||
| Q1 24 | $47.2M | $124.3M |
| Q4 25 | — | $1.7M | ||
| Q3 25 | — | $2.0M | ||
| Q2 25 | — | $26.3M | ||
| Q1 25 | — | $42.9M | ||
| Q4 24 | — | $1.5M | ||
| Q3 24 | — | $994.0K | ||
| Q2 24 | — | $1.1M | ||
| Q1 24 | — | $179.9M |
| Q4 25 | $58.5M | $389.3M | ||
| Q3 25 | $49.4M | $402.4M | ||
| Q2 25 | $13.4M | $401.3M | ||
| Q1 25 | $22.6M | $415.3M | ||
| Q4 24 | $32.8M | $421.1M | ||
| Q3 24 | $34.9M | $417.6M | ||
| Q2 24 | $18.6M | $397.2M | ||
| Q1 24 | $18.2M | $375.5M |
| Q4 25 | $754.1M | $530.2M | ||
| Q3 25 | $720.6M | $541.2M | ||
| Q2 25 | $673.4M | $533.7M | ||
| Q1 25 | $640.1M | $562.5M | ||
| Q4 24 | $641.2M | $725.8M | ||
| Q3 24 | $619.3M | $709.8M | ||
| Q2 24 | $573.1M | $697.0M | ||
| Q1 24 | $563.2M | $687.2M |
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.01× | ||
| Q2 25 | — | 0.07× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.48× |
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 | $5.7M |
| 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 | $5.7M | ||
| Q3 25 | $105.1M | $53.4M | ||
| Q2 25 | $95.6M | $11.1M | ||
| Q1 25 | $83.7M | $3.9M | ||
| Q4 24 | $323.8M | $30.6M | ||
| Q3 24 | $77.6M | $31.4M | ||
| Q2 24 | $77.3M | $39.1M | ||
| Q1 24 | $74.4M | $50.6M |
| Q4 25 | $382.2M | — | ||
| Q3 25 | $99.9M | — | ||
| Q2 25 | $91.0M | — | ||
| Q1 25 | $79.3M | $-11.6M | ||
| 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% | -21.1% | ||
| 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% | 28.2% | ||
| 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 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 2.44× | ||
| Q3 24 | 18.19× | 1.57× | ||
| Q2 24 | 25.21× | 2.13× | ||
| Q1 24 | 13.44× | 2.48× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPFI
Segment breakdown not available.
TH
| Services | $40.9M | 56% |
| Hospitality And Facilities Services South | $32.6M | 44% |
