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玖富数科（JFU）与OppFi Inc.（OPFI）财务数据对比。点击上方公司名可切换其他公司
OppFi Inc.的季度营收约是玖富数科的1.1倍（$85.6M vs $81.4M），OppFi Inc.净利率更高（19.7% vs -105.9%，领先125.6%），OppFi Inc.自由现金流更多（$382.2M vs $2.7M）
玖富数科是中国领先的数字金融科技平台，主要面向国内个人消费者及小微企业客户，提供消费信贷、财富管理、保险经纪等服务，依托大数据及人工智能技术打造定制化普惠金融解决方案，覆盖多个金融科技细分领域。
OppFi Inc.是一家总部位于美国的金融科技公司，面向传统银行服务覆盖不足的消费者群体，提供分期贷款、信用建设工具等负责任的普惠金融产品，助力用户改善长期财务健康状况。
JFU vs OPFI — 直观对比
营收规模更大
OPFI
是对方的1.1倍
$81.4M
净利率更高
OPFI
高出125.6%
-105.9%
自由现金流更多
OPFI
多$379.5M
$2.7M
损益表 — Q4 FY2022 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $81.4M | $85.6M |
| 净利润 | $-86.2M | $16.8M |
| 毛利率 | 19.3% | — |
| 营业利润率 | -26.8% | 36.1% |
| 净利率 | -105.9% | 19.7% |
| 营收同比 | — | 5.9% |
| 净利润同比 | — | 400.3% |
| 每股收益（稀释后） | — | $1.48 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收JFUOPFI
| Q4 25 | — | $85.6M | ||
| Q3 25 | — | $104.6M | ||
| Q2 25 | — | $100.2M | ||
| Q1 25 | — | $90.8M | ||
| Q4 24 | — | $80.8M | ||
| Q3 24 | — | $91.2M | ||
| Q2 24 | — | $86.3M | ||
| Q1 24 | — | $63.2M |
净利润JFUOPFI
| Q4 25 | — | $16.8M | ||
| Q3 25 | — | $41.6M | ||
| Q2 25 | — | $-20.8M | ||
| Q1 25 | — | $-11.4M | ||
| Q4 24 | — | $-5.6M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | — | $3.1M | ||
| Q1 24 | — | $5.5M |
营业利润率JFUOPFI
| Q4 25 | — | 36.1% | ||
| Q3 25 | — | 46.3% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 30.5% | ||
| Q3 24 | — | 38.5% | ||
| Q2 24 | — | 34.2% | ||
| Q1 24 | — | 8.4% |
净利率JFUOPFI
| Q4 25 | — | 19.7% | ||
| Q3 25 | — | 39.8% | ||
| Q2 25 | — | -20.7% | ||
| Q1 25 | — | -12.5% | ||
| Q4 24 | — | -6.9% | ||
| Q3 24 | — | 4.7% | ||
| Q2 24 | — | 3.6% | ||
| Q1 24 | — | 8.8% |
每股收益（稀释后）JFUOPFI
| Q4 25 | — | $1.48 | ||
| Q3 25 | — | $0.77 | ||
| Q2 25 | — | $-0.78 | ||
| Q1 25 | — | $-0.48 | ||
| Q4 24 | — | $-0.11 | ||
| Q3 24 | — | $0.21 | ||
| Q2 24 | — | $0.16 | ||
| Q1 24 | — | $0.10 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $335.8M | $49.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $530.1M | $58.5M |
| 总资产 | $625.0M | $754.1M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资JFUOPFI
| Q4 25 | — | $49.5M | ||
| Q3 25 | — | $45.5M | ||
| Q2 25 | — | $45.2M | ||
| Q1 25 | — | $58.0M | ||
| Q4 24 | — | $61.3M | ||
| Q3 24 | — | $44.8M | ||
| Q2 24 | — | $46.6M | ||
| Q1 24 | — | $47.2M |
股东权益JFUOPFI
| Q4 25 | — | $58.5M | ||
| Q3 25 | — | $49.4M | ||
| Q2 25 | — | $13.4M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $32.8M | ||
| Q3 24 | — | $34.9M | ||
| Q2 24 | — | $18.6M | ||
| Q1 24 | — | $18.2M |
总资产JFUOPFI
| Q4 25 | — | $754.1M | ||
| Q3 25 | — | $720.6M | ||
| Q2 25 | — | $673.4M | ||
| Q1 25 | — | $640.1M | ||
| Q4 24 | — | $641.2M | ||
| Q3 24 | — | $619.3M | ||
| Q2 24 | — | $573.1M | ||
| Q1 24 | — | $563.2M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $9.2M | $401.3M |
| 自由现金流经营现金流 - 资本支出 | $2.7M | $382.2M |
| 自由现金流率自由现金流/营收 | 3.3% | 446.6% |
| 资本支出强度资本支出/营收 | 8.0% | 22.3% |
| 现金转化率经营现金流/净利润 | — | 23.82× |
| 过去12个月自由现金流最近4个季度 | — | $652.5M |
8季度趋势，按日历期对齐
经营现金流JFUOPFI
| Q4 25 | — | $401.3M | ||
| Q3 25 | — | $105.1M | ||
| Q2 25 | — | $95.6M | ||
| Q1 25 | — | $83.7M | ||
| Q4 24 | — | $323.8M | ||
| Q3 24 | — | $77.6M | ||
| Q2 24 | — | $77.3M | ||
| Q1 24 | — | $74.4M |
自由现金流JFUOPFI
| Q4 25 | — | $382.2M | ||
| Q3 25 | — | $99.9M | ||
| Q2 25 | — | $91.0M | ||
| Q1 25 | — | $79.3M | ||
| Q4 24 | — | $310.8M | ||
| Q3 24 | — | $73.7M | ||
| Q2 24 | — | $74.7M | ||
| Q1 24 | — | $72.3M |
自由现金流率JFUOPFI
| Q4 25 | — | 446.6% | ||
| Q3 25 | — | 95.6% | ||
| Q2 25 | — | 90.8% | ||
| Q1 25 | — | 87.4% | ||
| Q4 24 | — | 384.6% | ||
| Q3 24 | — | 80.8% | ||
| Q2 24 | — | 86.6% | ||
| Q1 24 | — | 114.4% |
资本支出强度JFUOPFI
| Q4 25 | — | 22.3% | ||
| Q3 25 | — | 5.0% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 16.1% | ||
| Q3 24 | — | 4.3% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 3.4% |
现金转化率JFUOPFI
| 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× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
