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OppFi Inc.（OPFI）与Ribbon Communications Inc.（RBBN）财务数据对比。点击上方公司名可切换其他公司
Ribbon Communications Inc.的季度营收约是OppFi Inc.的1.9倍（$162.6M vs $85.6M），Ribbon Communications Inc.净利率更高（54.8% vs 19.7%，领先35.1%），OppFi Inc.同比增速更快（5.9% vs -10.3%），过去两年OppFi Inc.的营收复合增速更高（16.3% vs -8.1%）
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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
OPFI vs RBBN — 直观对比
营收规模更大
RBBN
是对方的1.9倍
$85.6M
营收增速更快
OPFI
高出16.2%
-10.3%
净利率更高
RBBN
高出35.1%
19.7%
两年增速更快
OPFI
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $162.6M |
| 净利润 | $16.8M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | 36.1% | 37.6% |
| 净利率 | 19.7% | 54.8% |
| 营收同比 | 5.9% | -10.3% |
| 净利润同比 | 400.3% | — |
| 每股收益（稀释后） | $1.48 | $0.50 |
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OPFIRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $85.6M | $227.3M | ||
| Q3 25 | $104.6M | $215.4M | ||
| Q2 25 | $100.2M | $220.6M | ||
| Q1 25 | $90.8M | $181.3M | ||
| Q4 24 | $80.8M | $251.4M | ||
| Q3 24 | $91.2M | $210.2M | ||
| Q2 24 | $86.3M | $192.6M |
净利润OPFIRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $-12.1M | ||
| Q2 25 | $-20.8M | $-11.1M | ||
| Q1 25 | $-11.4M | $-26.2M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $-13.4M | ||
| Q2 24 | $3.1M | $-16.8M |
毛利率OPFIRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率OPFIRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 36.1% | 4.1% | ||
| Q3 25 | 46.3% | 1.3% | ||
| Q2 25 | 44.7% | 1.9% | ||
| Q1 25 | 46.8% | -10.8% | ||
| Q4 24 | 30.5% | 13.2% | ||
| Q3 24 | 38.5% | -0.4% | ||
| Q2 24 | 34.2% | -1.0% |
净利率OPFIRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | -5.6% | ||
| Q2 25 | -20.7% | -5.0% | ||
| Q1 25 | -12.5% | -14.5% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | -6.4% | ||
| Q2 24 | 3.6% | -8.7% |
每股收益（稀释后）OPFIRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $1.48 | $0.50 | ||
| Q3 25 | $0.77 | $-0.07 | ||
| Q2 25 | $-0.78 | $-0.06 | ||
| Q1 25 | $-0.48 | $-0.15 | ||
| Q4 24 | $-0.11 | $0.05 | ||
| Q3 24 | $0.21 | $-0.08 | ||
| Q2 24 | $0.16 | $-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 | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $58.5M | $419.1M |
| 总资产 | $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OPFIRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $49.5M | $96.4M | ||
| Q3 25 | $45.5M | $74.8M | ||
| Q2 25 | $45.2M | $60.5M | ||
| Q1 25 | $58.0M | $71.2M | ||
| Q4 24 | $61.3M | $87.8M | ||
| Q3 24 | $44.8M | $37.2M | ||
| Q2 24 | $46.6M | $64.6M |
总债务OPFIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益OPFIRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $58.5M | $449.0M | ||
| Q3 25 | $49.4M | $360.1M | ||
| Q2 25 | $13.4M | $370.4M | ||
| Q1 25 | $22.6M | $381.8M | ||
| Q4 24 | $32.8M | $404.6M | ||
| Q3 24 | $34.9M | $395.5M | ||
| Q2 24 | $18.6M | $405.0M |
总资产OPFIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $754.1M | $1.2B | ||
| Q3 25 | $720.6M | $1.1B | ||
| Q2 25 | $673.4M | $1.1B | ||
| Q1 25 | $640.1M | $1.1B | ||
| Q4 24 | $641.2M | $1.2B | ||
| Q3 24 | $619.3M | $1.1B | ||
| Q2 24 | $573.1M | $1.1B |
负债/权益比OPFIRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $382.2M | — |
| 自由现金流率自由现金流/营收 | 446.6% | — |
| 资本支出强度资本支出/营收 | 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OPFIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $401.3M | $29.2M | ||
| Q3 25 | $105.1M | $26.5M | ||
| Q2 25 | $95.6M | $-795.0K | ||
| Q1 25 | $83.7M | $-3.5M | ||
| Q4 24 | $323.8M | $61.8M | ||
| Q3 24 | $77.6M | $-14.8M | ||
| Q2 24 | $77.3M | $-9.8M |
自由现金流OPFIRBBN
| Q1 26 | — | — | ||
| Q4 25 | $382.2M | $27.3M | ||
| Q3 25 | $99.9M | $21.0M | ||
| Q2 25 | $91.0M | $-6.5M | ||
| Q1 25 | $79.3M | $-15.7M | ||
| Q4 24 | $310.8M | $53.8M | ||
| Q3 24 | $73.7M | $-23.7M | ||
| Q2 24 | $74.7M | $-12.9M |
自由现金流率OPFIRBBN
| Q1 26 | — | — | ||
| Q4 25 | 446.6% | 12.0% | ||
| Q3 25 | 95.6% | 9.7% | ||
| Q2 25 | 90.8% | -2.9% | ||
| Q1 25 | 87.4% | -8.7% | ||
| Q4 24 | 384.6% | 21.4% | ||
| Q3 24 | 80.8% | -11.3% | ||
| Q2 24 | 86.6% | -6.7% |
资本支出强度OPFIRBBN
| Q1 26 | — | — | ||
| Q4 25 | 22.3% | 0.9% | ||
| Q3 25 | 5.0% | 2.6% | ||
| Q2 25 | 4.6% | 2.6% | ||
| Q1 25 | 4.8% | 6.7% | ||
| Q4 24 | 16.1% | 3.2% | ||
| Q3 24 | 4.3% | 4.2% | ||
| Q2 24 | 3.0% | 1.6% |
现金转化率OPFIRBBN
| Q1 26 | — | — | ||
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | — | ||
| Q2 24 | 25.21× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
OPFI
暂无分部数据
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
