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OppFi Inc.（OPFI）与PUMA BIOTECHNOLOGY, INC.（PBYI）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PUMA BIOTECHNOLOGY, INC.的1.1倍（$85.6M vs $75.5M），PUMA BIOTECHNOLOGY, INC.同比增速更快（27.7% vs 5.9%），OppFi Inc.自由现金流更多（$382.2M vs $14.4M），过去两年PUMA BIOTECHNOLOGY, INC.的营收复合增速更高（31.3% vs 16.3%）
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。
彪马生物技术是一家公开上市的生物制药企业，总部位于美国加利福尼亚州洛杉矶，专注于创新药物研发相关业务，在生物制药领域开展研发与商业化运营。
OPFI vs PBYI — 直观对比
营收规模更大
OPFI
是对方的1.1倍
$75.5M
营收增速更快
PBYI
高出21.8%
5.9%
自由现金流更多
OPFI
多$367.8M
$14.4M
两年增速更快
PBYI
近两年复合增速
16.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $75.5M |
| 净利润 | $16.8M | — |
| 毛利率 | — | 69.3% |
| 营业利润率 | 36.1% | 22.7% |
| 净利率 | 19.7% | — |
| 营收同比 | 5.9% | 27.7% |
| 净利润同比 | 400.3% | — |
| 每股收益（稀释后） | $1.48 | $0.26 |
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OPFIPBYI
| Q4 25 | $85.6M | $75.5M | ||
| Q3 25 | $104.6M | $54.5M | ||
| Q2 25 | $100.2M | $52.4M | ||
| Q1 25 | $90.8M | $46.0M | ||
| Q4 24 | $80.8M | $59.1M | ||
| Q3 24 | $91.2M | $80.5M | ||
| Q2 24 | $86.3M | $47.1M | ||
| Q1 24 | $63.2M | $43.8M |
净利润OPFIPBYI
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $8.8M | ||
| Q2 25 | $-20.8M | $5.9M | ||
| Q1 25 | $-11.4M | $3.0M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $20.3M | ||
| Q2 24 | $3.1M | $-4.5M | ||
| Q1 24 | $5.5M | $-4.8M |
毛利率OPFIPBYI
| Q4 25 | — | 69.3% | ||
| Q3 25 | — | 77.7% | ||
| Q2 25 | — | 76.5% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 77.4% | ||
| Q1 24 | — | 75.5% |
营业利润率OPFIPBYI
| Q4 25 | 36.1% | 22.7% | ||
| Q3 25 | 46.3% | 17.6% | ||
| Q2 25 | 44.7% | 12.7% | ||
| Q1 25 | 46.8% | 8.7% | ||
| Q4 24 | 30.5% | 22.6% | ||
| Q3 24 | 38.5% | 27.4% | ||
| Q2 24 | 34.2% | -4.6% | ||
| Q1 24 | 8.4% | -5.3% |
净利率OPFIPBYI
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | 16.2% | ||
| Q2 25 | -20.7% | 11.2% | ||
| Q1 25 | -12.5% | 6.5% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | 25.2% | ||
| Q2 24 | 3.6% | -9.6% | ||
| Q1 24 | 8.8% | -11.0% |
每股收益（稀释后）OPFIPBYI
| Q4 25 | $1.48 | $0.26 | ||
| Q3 25 | $0.77 | $0.17 | ||
| Q2 25 | $-0.78 | $0.12 | ||
| Q1 25 | $-0.48 | $0.06 | ||
| Q4 24 | $-0.11 | $0.40 | ||
| Q3 24 | $0.21 | $0.41 | ||
| Q2 24 | $0.16 | $-0.09 | ||
| Q1 24 | $0.10 | $-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 | $49.5M | $97.5M |
| 总债务越低越好 | — | $22.7M |
| 股东权益账面价值 | $58.5M | $130.3M |
| 总资产 | $754.1M | $216.3M |
| 负债/权益比越低杠杆越低 | — | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资OPFIPBYI
| Q4 25 | $49.5M | $97.5M | ||
| Q3 25 | $45.5M | $94.4M | ||
| Q2 25 | $45.2M | $96.0M | ||
| Q1 25 | $58.0M | $93.2M | ||
| Q4 24 | $61.3M | $101.0M | ||
| Q3 24 | $44.8M | $96.7M | ||
| Q2 24 | $46.6M | $96.8M | ||
| Q1 24 | $47.2M | $107.2M |
总债务OPFIPBYI
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $45.3M | ||
| Q1 25 | — | $56.7M | ||
| Q4 24 | — | $68.0M | ||
| Q3 24 | — | $79.3M | ||
| Q2 24 | — | $90.7M | ||
| Q1 24 | — | $102.0M |
股东权益OPFIPBYI
| Q4 25 | $58.5M | $130.3M | ||
| Q3 25 | $49.4M | $115.3M | ||
| Q2 25 | $13.4M | $104.7M | ||
| Q1 25 | $22.6M | $97.1M | ||
| Q4 24 | $32.8M | $92.1M | ||
| Q3 24 | $34.9M | $71.1M | ||
| Q2 24 | $18.6M | $48.5M | ||
| Q1 24 | $18.2M | $51.0M |
总资产OPFIPBYI
| Q4 25 | $754.1M | $216.3M | ||
| Q3 25 | $720.6M | $202.9M | ||
| Q2 25 | $673.4M | $194.9M | ||
| Q1 25 | $640.1M | $196.2M | ||
| Q4 24 | $641.2M | $213.3M | ||
| Q3 24 | $619.3M | $220.7M | ||
| Q2 24 | $573.1M | $205.0M | ||
| Q1 24 | $563.2M | $214.1M |
负债/权益比OPFIPBYI
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.30× | ||
| Q2 25 | — | 0.43× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 1.12× | ||
| Q2 24 | — | 1.87× | ||
| Q1 24 | — | 2.00× |
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 | $401.3M | $14.4M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $14.4M |
| 自由现金流率自由现金流/营收 | 446.6% | 19.1% |
| 资本支出强度资本支出/营收 | 22.3% | 0.0% |
| 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 | $41.7M |
8季度趋势，按日历期对齐
经营现金流OPFIPBYI
| Q4 25 | $401.3M | $14.4M | ||
| Q3 25 | $105.1M | $9.7M | ||
| Q2 25 | $95.6M | $14.1M | ||
| Q1 25 | $83.7M | $3.6M | ||
| Q4 24 | $323.8M | $15.6M | ||
| Q3 24 | $77.6M | $11.0M | ||
| Q2 24 | $77.3M | $1.0M | ||
| Q1 24 | $74.4M | $11.2M |
自由现金流OPFIPBYI
| Q4 25 | $382.2M | $14.4M | ||
| Q3 25 | $99.9M | $9.7M | ||
| Q2 25 | $91.0M | $14.1M | ||
| Q1 25 | $79.3M | $3.6M | ||
| Q4 24 | $310.8M | $15.6M | ||
| Q3 24 | $73.7M | $11.0M | ||
| Q2 24 | $74.7M | $1.0M | ||
| Q1 24 | $72.3M | — |
自由现金流率OPFIPBYI
| Q4 25 | 446.6% | 19.1% | ||
| Q3 25 | 95.6% | 17.7% | ||
| Q2 25 | 90.8% | 26.8% | ||
| Q1 25 | 87.4% | 7.7% | ||
| Q4 24 | 384.6% | 26.4% | ||
| Q3 24 | 80.8% | 13.7% | ||
| Q2 24 | 86.6% | 2.1% | ||
| Q1 24 | 114.4% | — |
资本支出强度OPFIPBYI
| Q4 25 | 22.3% | 0.0% | ||
| Q3 25 | 5.0% | 0.0% | ||
| Q2 25 | 4.6% | 0.0% | ||
| Q1 25 | 4.8% | 0.1% | ||
| Q4 24 | 16.1% | 0.0% | ||
| Q3 24 | 4.3% | 0.0% | ||
| Q2 24 | 3.0% | 0.0% | ||
| Q1 24 | 3.4% | 0.0% |
现金转化率OPFIPBYI
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | 1.10× | ||
| Q2 25 | — | 2.41× | ||
| Q1 25 | — | 1.21× | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | 0.54× | ||
| 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
