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Side-by-side financial comparison of OppFi Inc. (OPFI) and Vericel Corp (VCEL). Click either name above to swap in a different company.
Vericel Corp is the larger business by last-quarter revenue ($92.9M vs $85.6M, roughly 1.1× OppFi Inc.). Vericel Corp runs the higher net margin — 25.0% vs 19.7%, a 5.3% gap on every dollar of revenue. On growth, Vericel Corp posted the faster year-over-year revenue change (23.3% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $12.8M). Over the past eight quarters, Vericel Corp's revenue compounded faster (34.6% 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.
Vericel Corporation is a publicly traded American biopharmaceutical company which was known prior to October 2014 as Aastrom Bio. Aastrom Bio was formed in 1989 in Ann Arbor, Michigan.
OPFI vs VCEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $92.9M |
| Net Profit | $16.8M | $23.2M |
| Gross Margin | — | 78.7% |
| Operating Margin | 36.1% | 24.1% |
| Net Margin | 19.7% | 25.0% |
| Revenue YoY | 5.9% | 23.3% |
| Net Profit YoY | 400.3% | 17.3% |
| EPS (diluted) | $1.48 | $0.46 |
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 | $92.9M | ||
| Q3 25 | $104.6M | $67.5M | ||
| Q2 25 | $100.2M | $63.2M | ||
| Q1 25 | $90.8M | $52.6M | ||
| Q4 24 | $80.8M | $75.4M | ||
| Q3 24 | $91.2M | $57.9M | ||
| Q2 24 | $86.3M | $52.7M | ||
| Q1 24 | $63.2M | $51.3M |
| Q4 25 | $16.8M | $23.2M | ||
| Q3 25 | $41.6M | $5.1M | ||
| Q2 25 | $-20.8M | $-553.0K | ||
| Q1 25 | $-11.4M | $-11.2M | ||
| Q4 24 | $-5.6M | $19.8M | ||
| Q3 24 | $4.3M | $-901.0K | ||
| Q2 24 | $3.1M | $-4.7M | ||
| Q1 24 | $5.5M | $-3.9M |
| Q4 25 | — | 78.7% | ||
| Q3 25 | — | 73.5% | ||
| Q2 25 | — | 73.7% | ||
| Q1 25 | — | 69.0% | ||
| Q4 24 | — | 77.6% | ||
| Q3 24 | — | 71.9% | ||
| Q2 24 | — | 69.5% | ||
| Q1 24 | — | 68.9% |
| Q4 25 | 36.1% | 24.1% | ||
| Q3 25 | 46.3% | 5.1% | ||
| Q2 25 | 44.7% | -3.2% | ||
| Q1 25 | 46.8% | -24.3% | ||
| Q4 24 | 30.5% | 24.5% | ||
| Q3 24 | 38.5% | -4.3% | ||
| Q2 24 | 34.2% | -11.5% | ||
| Q1 24 | 8.4% | -10.7% |
| Q4 25 | 19.7% | 25.0% | ||
| Q3 25 | 39.8% | 7.5% | ||
| Q2 25 | -20.7% | -0.9% | ||
| Q1 25 | -12.5% | -21.4% | ||
| Q4 24 | -6.9% | 26.3% | ||
| Q3 24 | 4.7% | -1.6% | ||
| Q2 24 | 3.6% | -8.9% | ||
| Q1 24 | 8.8% | -7.5% |
| Q4 25 | $1.48 | $0.46 | ||
| Q3 25 | $0.77 | $0.10 | ||
| Q2 25 | $-0.78 | $-0.01 | ||
| Q1 25 | $-0.48 | $-0.23 | ||
| Q4 24 | $-0.11 | $0.40 | ||
| Q3 24 | $0.21 | $-0.02 | ||
| Q2 24 | $0.16 | $-0.10 | ||
| Q1 24 | $0.10 | $-0.08 |
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 | $137.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $354.6M |
| Total Assets | $754.1M | $488.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $137.5M | ||
| Q3 25 | $45.5M | $135.4M | ||
| Q2 25 | $45.2M | $116.9M | ||
| Q1 25 | $58.0M | $112.9M | ||
| Q4 24 | $61.3M | $116.2M | ||
| Q3 24 | $44.8M | $101.7M | ||
| Q2 24 | $46.6M | $102.5M | ||
| Q1 24 | $47.2M | $110.6M |
| Q4 25 | $58.5M | $354.6M | ||
| Q3 25 | $49.4M | $321.9M | ||
| Q2 25 | $13.4M | $306.8M | ||
| Q1 25 | $22.6M | $295.5M | ||
| Q4 24 | $32.8M | $292.0M | ||
| Q3 24 | $34.9M | $257.5M | ||
| Q2 24 | $18.6M | $243.0M | ||
| Q1 24 | $18.2M | $233.9M |
| Q4 25 | $754.1M | $488.0M | ||
| Q3 25 | $720.6M | $453.3M | ||
| Q2 25 | $673.4M | $435.6M | ||
| Q1 25 | $640.1M | $424.6M | ||
| Q4 24 | $641.2M | $432.7M | ||
| Q3 24 | $619.3M | $390.4M | ||
| Q2 24 | $573.1M | $376.8M | ||
| Q1 24 | $563.2M | $356.7M |
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 | $15.0M |
| Free Cash FlowOCF − Capex | $382.2M | $12.8M |
| FCF MarginFCF / Revenue | 446.6% | 13.8% |
| Capex IntensityCapex / Revenue | 22.3% | 2.4% |
| Cash ConversionOCF / Net Profit | 23.82× | 0.65× |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $24.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $15.0M | ||
| Q3 25 | $105.1M | $22.1M | ||
| Q2 25 | $95.6M | $8.2M | ||
| Q1 25 | $83.7M | $6.6M | ||
| Q4 24 | $323.8M | $22.2M | ||
| Q3 24 | $77.6M | $10.2M | ||
| Q2 24 | $77.3M | $18.5M | ||
| Q1 24 | $74.4M | $7.2M |
| Q4 25 | $382.2M | $12.8M | ||
| Q3 25 | $99.9M | $19.5M | ||
| Q2 25 | $91.0M | $81.0K | ||
| Q1 25 | $79.3M | $-7.6M | ||
| Q4 24 | $310.8M | $8.5M | ||
| Q3 24 | $73.7M | $-9.2M | ||
| Q2 24 | $74.7M | $1.8M | ||
| Q1 24 | $72.3M | $-6.8M |
| Q4 25 | 446.6% | 13.8% | ||
| Q3 25 | 95.6% | 28.8% | ||
| Q2 25 | 90.8% | 0.1% | ||
| Q1 25 | 87.4% | -14.5% | ||
| Q4 24 | 384.6% | 11.2% | ||
| Q3 24 | 80.8% | -15.9% | ||
| Q2 24 | 86.6% | 3.4% | ||
| Q1 24 | 114.4% | -13.3% |
| Q4 25 | 22.3% | 2.4% | ||
| Q3 25 | 5.0% | 3.9% | ||
| Q2 25 | 4.6% | 12.9% | ||
| Q1 25 | 4.8% | 27.0% | ||
| Q4 24 | 16.1% | 18.3% | ||
| Q3 24 | 4.3% | 33.5% | ||
| Q2 24 | 3.0% | 31.8% | ||
| Q1 24 | 3.4% | 27.3% |
| Q4 25 | 23.82× | 0.65× | ||
| Q3 25 | 2.52× | 4.35× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.12× | ||
| 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.
VCEL
| MACI Implants And Kits | $84.1M | 90% |
| Other | $8.8M | 10% |
