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Side-by-side financial comparison of OppFi Inc. (OPFI) and ZIPRECRUITER, INC. (ZIP). Click either name above to swap in a different company.
ZIPRECRUITER, INC. is the larger business by last-quarter revenue ($111.7M vs $85.6M, roughly 1.3× OppFi Inc.). OppFi Inc. runs the higher net margin — 19.7% vs -0.7%, a 20.4% gap on every dollar of revenue. On growth, OppFi Inc. posted the faster year-over-year revenue change (5.9% vs 0.6%). OppFi Inc. produced more free cash flow last quarter ($382.2M vs $7.6M). Over the past eight quarters, OppFi Inc.'s revenue compounded faster (16.3% CAGR vs -4.4%).
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.
ZipRecruiter, Inc. is an American employment marketplace for job seekers and employers.
OPFI vs ZIP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $85.6M | $111.7M |
| Net Profit | $16.8M | $-835.0K |
| Gross Margin | — | 89.1% |
| Operating Margin | 36.1% | 3.6% |
| Net Margin | 19.7% | -0.7% |
| Revenue YoY | 5.9% | 0.6% |
| Net Profit YoY | 400.3% | 92.3% |
| EPS (diluted) | $1.48 | $-0.03 |
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 | $111.7M | ||
| Q3 25 | $104.6M | $115.0M | ||
| Q2 25 | $100.2M | $112.2M | ||
| Q1 25 | $90.8M | $110.1M | ||
| Q4 24 | $80.8M | $111.0M | ||
| Q3 24 | $91.2M | $117.1M | ||
| Q2 24 | $86.3M | $123.7M | ||
| Q1 24 | $63.2M | $122.2M |
| Q4 25 | $16.8M | $-835.0K | ||
| Q3 25 | $41.6M | $-9.8M | ||
| Q2 25 | $-20.8M | $-9.5M | ||
| Q1 25 | $-11.4M | $-12.8M | ||
| Q4 24 | $-5.6M | $-10.8M | ||
| Q3 24 | $4.3M | $-2.6M | ||
| Q2 24 | $3.1M | $7.0M | ||
| Q1 24 | $5.5M | $-6.5M |
| Q4 25 | — | 89.1% | ||
| Q3 25 | — | 89.1% | ||
| Q2 25 | — | 89.3% | ||
| Q1 25 | — | 89.4% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | 89.4% | ||
| Q2 24 | — | 89.5% | ||
| Q1 24 | — | 89.1% |
| Q4 25 | 36.1% | 3.6% | ||
| Q3 25 | 46.3% | -4.4% | ||
| Q2 25 | 44.7% | -5.9% | ||
| Q1 25 | 46.8% | -10.6% | ||
| Q4 24 | 30.5% | -3.6% | ||
| Q3 24 | 38.5% | -2.8% | ||
| Q2 24 | 34.2% | 7.6% | ||
| Q1 24 | 8.4% | -0.7% |
| Q4 25 | 19.7% | -0.7% | ||
| Q3 25 | 39.8% | -8.5% | ||
| Q2 25 | -20.7% | -8.5% | ||
| Q1 25 | -12.5% | -11.7% | ||
| Q4 24 | -6.9% | -9.7% | ||
| Q3 24 | 4.7% | -2.2% | ||
| Q2 24 | 3.6% | 5.7% | ||
| Q1 24 | 8.8% | -5.3% |
| Q4 25 | $1.48 | $-0.03 | ||
| Q3 25 | $0.77 | $-0.11 | ||
| Q2 25 | $-0.78 | $-0.10 | ||
| Q1 25 | $-0.48 | $-0.13 | ||
| Q4 24 | $-0.11 | $-0.10 | ||
| Q3 24 | $0.21 | $-0.03 | ||
| Q2 24 | $0.16 | $0.07 | ||
| Q1 24 | $0.10 | $-0.07 |
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 | $188.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $58.5M | $-77.2M |
| Total Assets | $754.1M | $569.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.5M | $188.0M | ||
| Q3 25 | $45.5M | $211.8M | ||
| Q2 25 | $45.2M | $203.5M | ||
| Q1 25 | $58.0M | $221.1M | ||
| Q4 24 | $61.3M | $218.4M | ||
| Q3 24 | $44.8M | $225.6M | ||
| Q2 24 | $46.6M | $271.7M | ||
| Q1 24 | $47.2M | $282.5M |
| Q4 25 | $58.5M | $-77.2M | ||
| Q3 25 | $49.4M | $-76.1M | ||
| Q2 25 | $13.4M | $-65.9M | ||
| Q1 25 | $22.6M | $-11.3M | ||
| Q4 24 | $32.8M | $13.4M | ||
| Q3 24 | $34.9M | $13.6M | ||
| Q2 24 | $18.6M | $24.4M | ||
| Q1 24 | $18.2M | $12.7M |
| Q4 25 | $754.1M | $569.7M | ||
| Q3 25 | $720.6M | $573.6M | ||
| Q2 25 | $673.4M | $592.4M | ||
| Q1 25 | $640.1M | $629.4M | ||
| Q4 24 | $641.2M | $664.1M | ||
| Q3 24 | $619.3M | $652.0M | ||
| Q2 24 | $573.1M | $665.3M | ||
| Q1 24 | $563.2M | $662.4M |
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 | $7.7M |
| Free Cash FlowOCF − Capex | $382.2M | $7.6M |
| FCF MarginFCF / Revenue | 446.6% | 6.8% |
| Capex IntensityCapex / Revenue | 22.3% | 0.1% |
| Cash ConversionOCF / Net Profit | 23.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | $652.5M | $9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $401.3M | $7.7M | ||
| Q3 25 | $105.1M | $2.6M | ||
| Q2 25 | $95.6M | $10.5M | ||
| Q1 25 | $83.7M | $-9.9M | ||
| Q4 24 | $323.8M | $12.5M | ||
| Q3 24 | $77.6M | $9.3M | ||
| Q2 24 | $77.3M | $21.9M | ||
| Q1 24 | $74.4M | $2.0M |
| Q4 25 | $382.2M | $7.6M | ||
| Q3 25 | $99.9M | $2.2M | ||
| Q2 25 | $91.0M | $10.2M | ||
| Q1 25 | $79.3M | $-10.2M | ||
| Q4 24 | $310.8M | $12.0M | ||
| Q3 24 | $73.7M | $9.2M | ||
| Q2 24 | $74.7M | $21.7M | ||
| Q1 24 | $72.3M | $1.9M |
| Q4 25 | 446.6% | 6.8% | ||
| Q3 25 | 95.6% | 1.9% | ||
| Q2 25 | 90.8% | 9.1% | ||
| Q1 25 | 87.4% | -9.3% | ||
| Q4 24 | 384.6% | 10.8% | ||
| Q3 24 | 80.8% | 7.8% | ||
| Q2 24 | 86.6% | 17.6% | ||
| Q1 24 | 114.4% | 1.6% |
| Q4 25 | 22.3% | 0.1% | ||
| Q3 25 | 5.0% | 0.3% | ||
| Q2 25 | 4.6% | 0.3% | ||
| Q1 25 | 4.8% | 0.3% | ||
| Q4 24 | 16.1% | 0.4% | ||
| Q3 24 | 4.3% | 0.2% | ||
| Q2 24 | 3.0% | 0.1% | ||
| Q1 24 | 3.4% | 0.1% |
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | — | ||
| Q2 24 | 25.21× | 3.12× | ||
| 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.
ZIP
| License | $84.3M | 75% |
| Services | $27.4M | 25% |
