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OppFi Inc.（OPFI）与READING INTERNATIONAL INC（RDI）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READING INTERNATIONAL INC的1.7倍（$85.6M vs $50.3M），OppFi Inc.净利率更高（19.7% vs -5.1%，领先24.8%），OppFi Inc.同比增速更快（5.9% vs -14.2%），OppFi Inc.自由现金流更多（$382.2M vs $4.1M），过去两年OppFi Inc.的营收复合增速更高（16.3% vs 5.6%）
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。
雷丁公司是总部位于美国费城的铁路企业，1924年起在宾夕法尼亚州东部及周边各州提供客运与货运运输服务，直至1976年被联合铁路公司收购。
OPFI vs RDI — 直观对比
营收规模更大
OPFI
是对方的1.7倍
$50.3M
营收增速更快
OPFI
高出20.1%
-14.2%
净利率更高
OPFI
高出24.8%
-5.1%
自由现金流更多
OPFI
多$378.1M
$4.1M
两年增速更快
OPFI
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $50.3M |
| 净利润 | $16.8M | $-2.6M |
| 毛利率 | — | — |
| 营业利润率 | 36.1% | -1.9% |
| 净利率 | 19.7% | -5.1% |
| 营收同比 | 5.9% | -14.2% |
| 净利润同比 | 400.3% | -14.5% |
| 每股收益（稀释后） | $1.48 | $-0.11 |
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OPFIRDI
| Q4 25 | $85.6M | $50.3M | ||
| Q3 25 | $104.6M | $52.2M | ||
| Q2 25 | $100.2M | $60.4M | ||
| Q1 25 | $90.8M | $40.2M | ||
| Q4 24 | $80.8M | $58.6M | ||
| Q3 24 | $91.2M | $60.1M | ||
| Q2 24 | $86.3M | $46.8M | ||
| Q1 24 | $63.2M | $45.1M |
净利润OPFIRDI
| Q4 25 | $16.8M | $-2.6M | ||
| Q3 25 | $41.6M | $-4.2M | ||
| Q2 25 | $-20.8M | $-2.7M | ||
| Q1 25 | $-11.4M | $-4.8M | ||
| Q4 24 | $-5.6M | $-2.2M | ||
| Q3 24 | $4.3M | $-7.0M | ||
| Q2 24 | $3.1M | $-12.8M | ||
| Q1 24 | $5.5M | $-13.2M |
营业利润率OPFIRDI
| Q4 25 | 36.1% | -1.9% | ||
| Q3 25 | 46.3% | -0.6% | ||
| Q2 25 | 44.7% | 4.8% | ||
| Q1 25 | 46.8% | -17.2% | ||
| Q4 24 | 30.5% | 2.6% | ||
| Q3 24 | 38.5% | -0.6% | ||
| Q2 24 | 34.2% | -16.4% | ||
| Q1 24 | 8.4% | -16.7% |
净利率OPFIRDI
| Q4 25 | 19.7% | -5.1% | ||
| Q3 25 | 39.8% | -8.0% | ||
| Q2 25 | -20.7% | -4.4% | ||
| Q1 25 | -12.5% | -11.8% | ||
| Q4 24 | -6.9% | -3.8% | ||
| Q3 24 | 4.7% | -11.7% | ||
| Q2 24 | 3.6% | -27.4% | ||
| Q1 24 | 8.8% | -29.4% |
每股收益（稀释后）OPFIRDI
| Q4 25 | $1.48 | $-0.11 | ||
| Q3 25 | $0.77 | $-0.18 | ||
| Q2 25 | $-0.78 | $-0.12 | ||
| Q1 25 | $-0.48 | $-0.21 | ||
| Q4 24 | $-0.11 | $-0.11 | ||
| Q3 24 | $0.21 | $-0.31 | ||
| Q2 24 | $0.16 | $-0.57 | ||
| Q1 24 | $0.10 | $-0.59 |
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 | $10.5M |
| 总债务越低越好 | — | $185.1M |
| 股东权益账面价值 | $58.5M | $-18.2M |
| 总资产 | $754.1M | $434.9M |
| 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OPFIRDI
| Q4 25 | $49.5M | $10.5M | ||
| Q3 25 | $45.5M | $8.1M | ||
| Q2 25 | $45.2M | $9.1M | ||
| Q1 25 | $58.0M | $5.9M | ||
| Q4 24 | $61.3M | $12.4M | ||
| Q3 24 | $44.8M | $10.1M | ||
| Q2 24 | $46.6M | $9.3M | ||
| Q1 24 | $47.2M | $7.5M |
总债务OPFIRDI
| Q4 25 | — | $185.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $202.7M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益OPFIRDI
| Q4 25 | $58.5M | $-18.2M | ||
| Q3 25 | $49.4M | $-12.1M | ||
| Q2 25 | $13.4M | $-7.7M | ||
| Q1 25 | $22.6M | $-8.1M | ||
| Q4 24 | $32.8M | $-4.4M | ||
| Q3 24 | $34.9M | $1.6M | ||
| Q2 24 | $18.6M | $6.5M | ||
| Q1 24 | $18.2M | $18.0M |
总资产OPFIRDI
| Q4 25 | $754.1M | $434.9M | ||
| Q3 25 | $720.6M | $435.2M | ||
| Q2 25 | $673.4M | $438.1M | ||
| Q1 25 | $640.1M | $441.0M | ||
| Q4 24 | $641.2M | $471.0M | ||
| Q3 24 | $619.3M | $495.7M | ||
| Q2 24 | $573.1M | $494.9M | ||
| Q1 24 | $563.2M | $494.9M |
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 | $4.3M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $4.1M |
| 自由现金流率自由现金流/营收 | 446.6% | 8.2% |
| 资本支出强度资本支出/营收 | 22.3% | 0.3% |
| 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 | $-2.9M |
8季度趋势，按日历期对齐
经营现金流OPFIRDI
| Q4 25 | $401.3M | $4.3M | ||
| Q3 25 | $105.1M | $295.0K | ||
| Q2 25 | $95.6M | $1.6M | ||
| Q1 25 | $83.7M | $-7.7M | ||
| Q4 24 | $323.8M | $8.0M | ||
| Q3 24 | $77.6M | $1.3M | ||
| Q2 24 | $77.3M | $-10.4M | ||
| Q1 24 | $74.4M | $-2.8M |
自由现金流OPFIRDI
| Q4 25 | $382.2M | $4.1M | ||
| Q3 25 | $99.9M | $-246.0K | ||
| Q2 25 | $91.0M | $1.2M | ||
| Q1 25 | $79.3M | $-8.0M | ||
| Q4 24 | $310.8M | $7.0M | ||
| Q3 24 | $73.7M | $-1.1M | ||
| Q2 24 | $74.7M | $-10.6M | ||
| Q1 24 | $72.3M | $-4.7M |
自由现金流率OPFIRDI
| Q4 25 | 446.6% | 8.2% | ||
| Q3 25 | 95.6% | -0.5% | ||
| Q2 25 | 90.8% | 1.9% | ||
| Q1 25 | 87.4% | -19.8% | ||
| Q4 24 | 384.6% | 12.0% | ||
| Q3 24 | 80.8% | -1.8% | ||
| Q2 24 | 86.6% | -22.7% | ||
| Q1 24 | 114.4% | -10.4% |
资本支出强度OPFIRDI
| Q4 25 | 22.3% | 0.3% | ||
| Q3 25 | 5.0% | 1.0% | ||
| Q2 25 | 4.6% | 0.6% | ||
| Q1 25 | 4.8% | 0.6% | ||
| Q4 24 | 16.1% | 1.7% | ||
| Q3 24 | 4.3% | 4.0% | ||
| Q2 24 | 3.0% | 0.5% | ||
| Q1 24 | 3.4% | 4.3% |
现金转化率OPFIRDI
| 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
业务分部营收拆解
OPFI
暂无分部数据
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
