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OppFi Inc.（OPFI）与RESOURCES CONNECTION, INC.（RGP）财务数据对比。点击上方公司名可切换其他公司
RESOURCES CONNECTION, INC.的季度营收约是OppFi Inc.的1.4倍（$117.7M vs $85.6M），OppFi Inc.净利率更高（19.7% vs -10.8%，领先30.4%），OppFi Inc.同比增速更快（5.9% vs -19.2%），OppFi Inc.自由现金流更多（$382.2M vs $15.6M），过去两年OppFi Inc.的营收复合增速更高（16.3% vs -11.8%）
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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
OPFI vs RGP — 直观对比
营收规模更大
RGP
是对方的1.4倍
$85.6M
营收增速更快
OPFI
高出25.0%
-19.2%
净利率更高
OPFI
高出30.4%
-10.8%
自由现金流更多
OPFI
多$366.6M
$15.6M
两年增速更快
OPFI
近两年复合增速
-11.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $117.7M |
| 净利润 | $16.8M | $-12.7M |
| 毛利率 | — | 37.1% |
| 营业利润率 | 36.1% | -10.3% |
| 净利率 | 19.7% | -10.8% |
| 营收同比 | 5.9% | -19.2% |
| 净利润同比 | 400.3% | 81.6% |
| 每股收益（稀释后） | $1.48 | $-0.38 |
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OPFIRGP
| Q4 25 | $85.6M | $117.7M | ||
| Q3 25 | $104.6M | $120.2M | ||
| Q2 25 | $100.2M | $139.3M | ||
| Q1 25 | $90.8M | $129.4M | ||
| Q4 24 | $80.8M | $145.6M | ||
| Q3 24 | $91.2M | $136.9M | ||
| Q2 24 | $86.3M | $148.2M | ||
| Q1 24 | $63.2M | $151.3M |
净利润OPFIRGP
| Q4 25 | $16.8M | $-12.7M | ||
| Q3 25 | $41.6M | $-2.4M | ||
| Q2 25 | $-20.8M | $-73.3M | ||
| Q1 25 | $-11.4M | $-44.1M | ||
| Q4 24 | $-5.6M | $-68.7M | ||
| Q3 24 | $4.3M | $-5.7M | ||
| Q2 24 | $3.1M | $10.5M | ||
| Q1 24 | $5.5M | $2.5M |
毛利率OPFIRGP
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 39.5% | ||
| Q2 25 | — | 40.2% | ||
| Q1 25 | — | 35.1% | ||
| Q4 24 | — | 38.5% | ||
| Q3 24 | — | 36.5% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 37.0% |
营业利润率OPFIRGP
| Q4 25 | 36.1% | -10.3% | ||
| Q3 25 | 46.3% | -1.7% | ||
| Q2 25 | 44.7% | -47.0% | ||
| Q1 25 | 46.8% | -38.4% | ||
| Q4 24 | 30.5% | -52.7% | ||
| Q3 24 | 38.5% | -3.5% | ||
| Q2 24 | 34.2% | 7.6% | ||
| Q1 24 | 8.4% | 2.8% |
净利率OPFIRGP
| Q4 25 | 19.7% | -10.8% | ||
| Q3 25 | 39.8% | -2.0% | ||
| Q2 25 | -20.7% | -52.6% | ||
| Q1 25 | -12.5% | -34.0% | ||
| Q4 24 | -6.9% | -47.2% | ||
| Q3 24 | 4.7% | -4.2% | ||
| Q2 24 | 3.6% | 7.1% | ||
| Q1 24 | 8.8% | 1.7% |
每股收益（稀释后）OPFIRGP
| Q4 25 | $1.48 | $-0.38 | ||
| Q3 25 | $0.77 | $-0.07 | ||
| Q2 25 | $-0.78 | $-2.21 | ||
| Q1 25 | $-0.48 | $-1.34 | ||
| Q4 24 | $-0.11 | $-2.08 | ||
| Q3 24 | $0.21 | $-0.17 | ||
| Q2 24 | $0.16 | $0.31 | ||
| Q1 24 | $0.10 | $0.08 |
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 | $89.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $58.5M | $194.6M |
| 总资产 | $754.1M | $289.3M |
| 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OPFIRGP
| Q4 25 | $49.5M | $89.8M | ||
| Q3 25 | $45.5M | $77.5M | ||
| Q2 25 | $45.2M | $86.1M | ||
| Q1 25 | $58.0M | $72.5M | ||
| Q4 24 | $61.3M | $78.2M | ||
| Q3 24 | $44.8M | $89.6M | ||
| Q2 24 | $46.6M | $108.9M | ||
| Q1 24 | $47.2M | $113.8M |
股东权益OPFIRGP
| Q4 25 | $58.5M | $194.6M | ||
| Q3 25 | $49.4M | $206.4M | ||
| Q2 25 | $13.4M | $207.1M | ||
| Q1 25 | $22.6M | $277.8M | ||
| Q4 24 | $32.8M | $325.7M | ||
| Q3 24 | $34.9M | $407.2M | ||
| Q2 24 | $18.6M | $418.8M | ||
| Q1 24 | $18.2M | $414.9M |
总资产OPFIRGP
| Q4 25 | $754.1M | $289.3M | ||
| Q3 25 | $720.6M | $287.2M | ||
| Q2 25 | $673.4M | $304.7M | ||
| Q1 25 | $640.1M | $375.6M | ||
| Q4 24 | $641.2M | $424.9M | ||
| Q3 24 | $619.3M | $512.9M | ||
| Q2 24 | $573.1M | $510.9M | ||
| Q1 24 | $563.2M | $523.2M |
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 | $401.3M | $15.9M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $15.6M |
| 自由现金流率自由现金流/营收 | 446.6% | 13.2% |
| 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 | $24.3M |
8季度趋势，按日历期对齐
经营现金流OPFIRGP
| Q4 25 | $401.3M | $15.9M | ||
| Q3 25 | $105.1M | $-7.8M | ||
| Q2 25 | $95.6M | $16.8M | ||
| Q1 25 | $83.7M | $659.0K | ||
| Q4 24 | $323.8M | $1.8M | ||
| Q3 24 | $77.6M | $-309.0K | ||
| Q2 24 | $77.3M | $3.2M | ||
| Q1 24 | $74.4M | $20.5M |
自由现金流OPFIRGP
| Q4 25 | $382.2M | $15.6M | ||
| Q3 25 | $99.9M | $-8.0M | ||
| Q2 25 | $91.0M | $16.5M | ||
| Q1 25 | $79.3M | $238.0K | ||
| Q4 24 | $310.8M | $61.0K | ||
| Q3 24 | $73.7M | $-575.0K | ||
| Q2 24 | $74.7M | $3.0M | ||
| Q1 24 | $72.3M | $20.4M |
自由现金流率OPFIRGP
| Q4 25 | 446.6% | 13.2% | ||
| Q3 25 | 95.6% | -6.6% | ||
| Q2 25 | 90.8% | 11.8% | ||
| Q1 25 | 87.4% | 0.2% | ||
| Q4 24 | 384.6% | 0.0% | ||
| Q3 24 | 80.8% | -0.4% | ||
| Q2 24 | 86.6% | 2.1% | ||
| Q1 24 | 114.4% | 13.5% |
资本支出强度OPFIRGP
| Q4 25 | 22.3% | 0.3% | ||
| Q3 25 | 5.0% | 0.1% | ||
| Q2 25 | 4.6% | 0.2% | ||
| Q1 25 | 4.8% | 0.3% | ||
| Q4 24 | 16.1% | 1.2% | ||
| Q3 24 | 4.3% | 0.2% | ||
| Q2 24 | 3.0% | 0.1% | ||
| Q1 24 | 3.4% | 0.1% |
现金转化率OPFIRGP
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | — | ||
| Q2 24 | 25.21× | 0.30× | ||
| Q1 24 | 13.44× | 8.04× |
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
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
