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Side-by-side financial comparison of OppFi Inc. (OPFI) and TELOS CORP (TLS). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $46.8M, roughly 1.8× TELOS CORP). OppFi Inc. runs the higher net margin — 19.7% vs -34.9%, a 54.6% gap on every dollar of revenue. On growth, TELOS CORP posted the faster year-over-year revenue change (77.4% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $8.0M). Over the past eight quarters, TELOS CORP's revenue compounded faster (25.7% 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.
Telos Corporation is an information technology and cybersecurity company located in Ashburn, Virginia. Telos primarily serves government and enterprise clients, receiving a large number of its contracts from the United States Department of Defense. Customers are primarily military, intelligence and civilian agencies of the US government and NATO allies.
OPFI vs TLS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $46.8M |
| Net Profit | $16.8M | $-16.3M |
| Gross Margin | — | 35.0% |
| Operating Margin | 36.1% | -39.6% |
| Net Margin | 19.7% | -34.9% |
| Revenue YoY | 5.9% | 77.4% |
| Net Profit YoY | 400.3% | -74.8% |
| EPS (diluted) | $1.48 | $-0.22 |
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 | $46.8M | ||
| Q3 25 | $104.6M | $51.4M | ||
| Q2 25 | $100.2M | $36.0M | ||
| Q1 25 | $90.8M | $30.6M | ||
| Q4 24 | $80.8M | $26.4M | ||
| Q3 24 | $91.2M | $23.8M | ||
| Q2 24 | $86.3M | $28.5M | ||
| Q1 24 | $63.2M | $29.6M |
| Q4 25 | $16.8M | $-16.3M | ||
| Q3 25 | $41.6M | $-2.1M | ||
| Q2 25 | $-20.8M | $-9.5M | ||
| Q1 25 | $-11.4M | $-8.6M | ||
| Q4 24 | $-5.6M | $-9.3M | ||
| Q3 24 | $4.3M | $-28.1M | ||
| Q2 24 | $3.1M | $-7.8M | ||
| Q1 24 | $5.5M | $-7.4M |
| Q4 25 | — | 35.0% | ||
| Q3 25 | — | 39.9% | ||
| Q2 25 | — | 33.2% | ||
| Q1 25 | — | 39.8% | ||
| Q4 24 | — | 40.3% | ||
| Q3 24 | — | 13.2% | ||
| Q2 24 | — | 34.1% | ||
| Q1 24 | — | 37.0% |
| Q4 25 | 36.1% | -39.6% | ||
| Q3 25 | 46.3% | -4.8% | ||
| Q2 25 | 44.7% | -27.5% | ||
| Q1 25 | 46.8% | -29.5% | ||
| Q4 24 | 30.5% | -37.6% | ||
| Q3 24 | 38.5% | -121.4% | ||
| Q2 24 | 34.2% | -30.3% | ||
| Q1 24 | 8.4% | -28.5% |
| Q4 25 | 19.7% | -34.9% | ||
| Q3 25 | 39.8% | -4.1% | ||
| Q2 25 | -20.7% | -26.5% | ||
| Q1 25 | -12.5% | -28.1% | ||
| Q4 24 | -6.9% | -35.4% | ||
| Q3 24 | 4.7% | -118.0% | ||
| Q2 24 | 3.6% | -27.2% | ||
| Q1 24 | 8.8% | -24.9% |
| Q4 25 | $1.48 | $-0.22 | ||
| Q3 25 | $0.77 | $-0.03 | ||
| Q2 25 | $-0.78 | $-0.13 | ||
| Q1 25 | $-0.48 | $-0.12 | ||
| Q4 24 | $-0.11 | $-0.13 | ||
| Q3 24 | $0.21 | $-0.39 | ||
| Q2 24 | $0.16 | $-0.11 | ||
| Q1 24 | $0.10 | $-0.10 |
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 | $53.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $96.0M |
| Total Assets | $754.1M | $139.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $53.2M | ||
| Q3 25 | $45.5M | $59.0M | ||
| Q2 25 | $45.2M | $57.0M | ||
| Q1 25 | $58.0M | $57.8M | ||
| Q4 24 | $61.3M | $54.6M | ||
| Q3 24 | $44.8M | $69.8M | ||
| Q2 24 | $46.6M | $80.1M | ||
| Q1 24 | $47.2M | $93.9M |
| Q4 25 | $58.5M | $96.0M | ||
| Q3 25 | $49.4M | $119.7M | ||
| Q2 25 | $13.4M | $118.4M | ||
| Q1 25 | $22.6M | $126.1M | ||
| Q4 24 | $32.8M | $127.1M | ||
| Q3 24 | $34.9M | $129.5M | ||
| Q2 24 | $18.6M | $149.1M | ||
| Q1 24 | $18.2M | $154.4M |
| Q4 25 | $754.1M | $139.9M | ||
| Q3 25 | $720.6M | $164.3M | ||
| Q2 25 | $673.4M | $165.0M | ||
| Q1 25 | $640.1M | $158.1M | ||
| Q4 24 | $641.2M | $158.2M | ||
| Q3 24 | $619.3M | $166.3M | ||
| Q2 24 | $573.1M | $182.4M | ||
| Q1 24 | $563.2M | $195.4M |
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 | $8.0M |
| Free Cash FlowOCF − Capex | $382.2M | $8.0M |
| FCF MarginFCF / Revenue | 446.6% | 17.0% |
| Capex IntensityCapex / Revenue | 22.3% | 0.1% |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $29.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $8.0M | ||
| Q3 25 | $105.1M | $9.1M | ||
| Q2 25 | $95.6M | $7.0M | ||
| Q1 25 | $83.7M | $6.1M | ||
| Q4 24 | $323.8M | $-10.5M | ||
| Q3 24 | $77.6M | $-7.1M | ||
| Q2 24 | $77.3M | $-8.0M | ||
| Q1 24 | $74.4M | $-350.0K |
| Q4 25 | $382.2M | $8.0M | ||
| Q3 25 | $99.9M | $8.7M | ||
| Q2 25 | $91.0M | $6.8M | ||
| Q1 25 | $79.3M | $6.0M | ||
| Q4 24 | $310.8M | $-12.4M | ||
| Q3 24 | $73.7M | $-7.1M | ||
| Q2 24 | $74.7M | $-8.2M | ||
| Q1 24 | $72.3M | $-447.0K |
| Q4 25 | 446.6% | 17.0% | ||
| Q3 25 | 95.6% | 16.9% | ||
| Q2 25 | 90.8% | 19.0% | ||
| Q1 25 | 87.4% | 19.5% | ||
| Q4 24 | 384.6% | -47.0% | ||
| Q3 24 | 80.8% | -30.0% | ||
| Q2 24 | 86.6% | -28.9% | ||
| Q1 24 | 114.4% | -1.5% |
| Q4 25 | 22.3% | 0.1% | ||
| Q3 25 | 5.0% | 0.9% | ||
| Q2 25 | 4.6% | 0.4% | ||
| Q1 25 | 4.8% | 0.4% | ||
| Q4 24 | 16.1% | 7.1% | ||
| Q3 24 | 4.3% | 0.2% | ||
| Q2 24 | 3.0% | 0.8% | ||
| Q1 24 | 3.4% | 0.3% |
| 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.
Revenue Breakdown by Segment
OPFI
Segment breakdown not available.
TLS
| Security Solutions Segment | $44.8M | 96% |
| Secure Networks Segment | $1.9M | 4% |
