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Side-by-side financial comparison of OppFi Inc. (OPFI) and VINCE HOLDING CORP. (VNCE). Click either name above to swap in a different company.
OppFi Inc. is the larger business by last-quarter revenue ($85.6M vs $85.1M, roughly 1.0× VINCE HOLDING CORP.). OppFi Inc. runs the higher net margin — 19.7% vs 3.2%, a 16.5% gap on every dollar of revenue. On growth, VINCE HOLDING CORP. posted the faster year-over-year revenue change (6.2% vs 5.9%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $-5.7M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs 6.3%).
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.
VINCE. is a contemporary clothing fashion brand founded in 2002. In 2023 Authentic Brands Group purchased its intellectual property in a $76.5 million deal.
OPFI vs VNCE — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $85.1M |
| Net Profit | $16.8M | $2.7M |
| Gross Margin | — | 49.2% |
| Operating Margin | 36.1% | 6.4% |
| Net Margin | 19.7% | 3.2% |
| Revenue YoY | 5.9% | 6.2% |
| Net Profit YoY | 400.3% | -37.3% |
| EPS (diluted) | $1.48 | $0.21 |
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 | $85.1M | ||
| Q3 25 | $104.6M | $73.2M | ||
| Q2 25 | $100.2M | $57.9M | ||
| Q1 25 | $90.8M | $80.0M | ||
| Q4 24 | $80.8M | $80.2M | ||
| Q3 24 | $91.2M | $74.2M | ||
| Q2 24 | $86.3M | $59.2M | ||
| Q1 24 | $63.2M | $75.3M |
| Q4 25 | $16.8M | $2.7M | ||
| Q3 25 | $41.6M | $12.1M | ||
| Q2 25 | $-20.8M | $-4.8M | ||
| Q1 25 | $-11.4M | $-28.3M | ||
| Q4 24 | $-5.6M | $4.3M | ||
| Q3 24 | $4.3M | $569.0K | ||
| Q2 24 | $3.1M | $4.4M | ||
| Q1 24 | $5.5M | $-4.7M |
| Q4 25 | — | 49.2% | ||
| Q3 25 | — | 50.4% | ||
| Q2 25 | — | 50.3% | ||
| Q1 25 | — | 50.1% | ||
| Q4 24 | — | 50.0% | ||
| Q3 24 | — | 47.4% | ||
| Q2 24 | — | 50.6% | ||
| Q1 24 | — | 45.4% |
| Q4 25 | 36.1% | 6.4% | ||
| Q3 25 | 46.3% | 15.2% | ||
| Q2 25 | 44.7% | -7.7% | ||
| Q1 25 | 46.8% | -37.1% | ||
| Q4 24 | 30.5% | 7.2% | ||
| Q3 24 | 38.5% | 1.5% | ||
| Q2 24 | 34.2% | 9.5% | ||
| Q1 24 | 8.4% | -2.2% |
| Q4 25 | 19.7% | 3.2% | ||
| Q3 25 | 39.8% | 16.5% | ||
| Q2 25 | -20.7% | -8.3% | ||
| Q1 25 | -12.5% | -35.5% | ||
| Q4 24 | -6.9% | 5.4% | ||
| Q3 24 | 4.7% | 0.8% | ||
| Q2 24 | 3.6% | 7.4% | ||
| Q1 24 | 8.8% | -6.2% |
| Q4 25 | $1.48 | $0.21 | ||
| Q3 25 | $0.77 | $0.93 | ||
| Q2 25 | $-0.78 | $-0.37 | ||
| Q1 25 | $-0.48 | $-2.25 | ||
| Q4 24 | $-0.11 | $0.34 | ||
| Q3 24 | $0.21 | $0.05 | ||
| Q2 24 | $0.16 | $0.35 | ||
| Q1 24 | $0.10 | $-0.37 |
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 | $1.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $53.4M |
| Total Assets | $754.1M | $246.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $1.1M | ||
| Q3 25 | $45.5M | $777.0K | ||
| Q2 25 | $45.2M | $2.6M | ||
| Q1 25 | $58.0M | $607.0K | ||
| Q4 24 | $61.3M | $892.0K | ||
| Q3 24 | $44.8M | $711.0K | ||
| Q2 24 | $46.6M | $739.0K | ||
| Q1 24 | $47.2M | $357.0K |
| Q4 25 | $58.5M | $53.4M | ||
| Q3 25 | $49.4M | $49.3M | ||
| Q2 25 | $13.4M | $37.2M | ||
| Q1 25 | $22.6M | $41.8M | ||
| Q4 24 | $32.8M | $57.1M | ||
| Q3 24 | $34.9M | $52.4M | ||
| Q2 24 | $18.6M | $51.7M | ||
| Q1 24 | $18.2M | $47.2M |
| Q4 25 | $754.1M | $246.0M | ||
| Q3 25 | $720.6M | $239.0M | ||
| Q2 25 | $673.4M | $218.0M | ||
| Q1 25 | $640.1M | $222.7M | ||
| Q4 24 | $641.2M | $254.7M | ||
| Q3 24 | $619.3M | $253.6M | ||
| Q2 24 | $573.1M | $223.1M | ||
| Q1 24 | $563.2M | $225.1M |
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 | $-5.1M |
| Free Cash FlowOCF − Capex | $382.2M | $-5.7M |
| FCF MarginFCF / Revenue | 446.6% | -6.7% |
| Capex IntensityCapex / Revenue | 22.3% | 0.7% |
| Cash ConversionOCF / Net Profit | 23.82× | -1.86× |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $-5.1M | ||
| Q3 25 | $105.1M | $4.2M | ||
| Q2 25 | $95.6M | $-11.8M | ||
| Q1 25 | $83.7M | $22.7M | ||
| Q4 24 | $323.8M | $6.4M | ||
| Q3 24 | $77.6M | $-3.2M | ||
| Q2 24 | $77.3M | $-3.9M | ||
| Q1 24 | $74.4M | $14.8M |
| Q4 25 | $382.2M | $-5.7M | ||
| Q3 25 | $99.9M | $2.1M | ||
| Q2 25 | $91.0M | $-13.2M | ||
| Q1 25 | $79.3M | $21.2M | ||
| Q4 24 | $310.8M | $5.1M | ||
| Q3 24 | $73.7M | $-3.9M | ||
| Q2 24 | $74.7M | $-4.6M | ||
| Q1 24 | $72.3M | $14.2M |
| Q4 25 | 446.6% | -6.7% | ||
| Q3 25 | 95.6% | 2.9% | ||
| Q2 25 | 90.8% | -22.9% | ||
| Q1 25 | 87.4% | 26.5% | ||
| Q4 24 | 384.6% | 6.4% | ||
| Q3 24 | 80.8% | -5.2% | ||
| Q2 24 | 86.6% | -7.8% | ||
| Q1 24 | 114.4% | 18.9% |
| Q4 25 | 22.3% | 0.7% | ||
| Q3 25 | 5.0% | 2.9% | ||
| Q2 25 | 4.6% | 2.5% | ||
| Q1 25 | 4.8% | 1.9% | ||
| Q4 24 | 16.1% | 1.6% | ||
| Q3 24 | 4.3% | 0.9% | ||
| Q2 24 | 3.0% | 1.3% | ||
| Q1 24 | 3.4% | 0.7% |
| Q4 25 | 23.82× | -1.86× | ||
| Q3 25 | 2.52× | 0.35× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | 18.19× | -5.61× | ||
| Q2 24 | 25.21× | -0.89× | ||
| 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.
VNCE
| Vince Wholesale | $52.0M | 61% |
| Vince Direct To Consumer | $33.1M | 39% |
