vs
OppFi Inc.（OPFI）与STURM RUGER & CO INC（RGR）财务数据对比。点击上方公司名可切换其他公司
STURM RUGER & CO INC的季度营收约是OppFi Inc.的1.8倍（$151.1M vs $85.6M），OppFi Inc.同比增速更快（5.9% vs 3.6%），OppFi Inc.自由现金流更多（$382.2M vs $12.3M），过去两年OppFi Inc.的营收复合增速更高（16.3% vs 5.1%）
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。
鲁格公司（Ruger）是总部位于美国康涅狄格州绍斯波特的枪械制造企业，除总部外，还在新罕布什尔州纽波特、北卡罗来纳州梅约丹以及亚利桑那州普雷斯科特设有生产工厂。公司由亚历山大·麦考密克·斯特姆与威廉·B·鲁格于1949年共同创立，自1969年起公开上市交易。
OPFI vs RGR — 直观对比
营收规模更大
RGR
是对方的1.8倍
$85.6M
营收增速更快
OPFI
高出2.3%
3.6%
自由现金流更多
OPFI
多$369.9M
$12.3M
两年增速更快
OPFI
近两年复合增速
5.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $151.1M |
| 净利润 | $16.8M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | 36.1% | 2.3% |
| 净利率 | 19.7% | — |
| 营收同比 | 5.9% | 3.6% |
| 净利润同比 | 400.3% | — |
| 每股收益（稀释后） | $1.48 | $0.22 |
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OPFIRGR
| Q4 25 | $85.6M | $151.1M | ||
| Q3 25 | $104.6M | $126.8M | ||
| Q2 25 | $100.2M | $132.5M | ||
| Q1 25 | $90.8M | $135.7M | ||
| Q4 24 | $80.8M | $145.8M | ||
| Q3 24 | $91.2M | $122.3M | ||
| Q2 24 | $86.3M | $130.8M | ||
| Q1 24 | $63.2M | $136.8M |
净利润OPFIRGR
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $1.6M | ||
| Q2 25 | $-20.8M | $-17.2M | ||
| Q1 25 | $-11.4M | $7.8M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | $4.7M | ||
| Q2 24 | $3.1M | $8.3M | ||
| Q1 24 | $5.5M | $7.1M |
毛利率OPFIRGR
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
营业利润率OPFIRGR
| Q4 25 | 36.1% | 2.3% | ||
| Q3 25 | 46.3% | -2.7% | ||
| Q2 25 | 44.7% | -15.6% | ||
| Q1 25 | 46.8% | 6.2% | ||
| Q4 24 | 30.5% | 7.8% | ||
| Q3 24 | 38.5% | 3.1% | ||
| Q2 24 | 34.2% | 6.9% | ||
| Q1 24 | 8.4% | 5.5% |
净利率OPFIRGR
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | 1.2% | ||
| Q2 25 | -20.7% | -13.0% | ||
| Q1 25 | -12.5% | 5.7% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | 3.9% | ||
| Q2 24 | 3.6% | 6.3% | ||
| Q1 24 | 8.8% | 5.2% |
每股收益（稀释后）OPFIRGR
| Q4 25 | $1.48 | $0.22 | ||
| Q3 25 | $0.77 | $0.10 | ||
| Q2 25 | $-0.78 | $-1.05 | ||
| Q1 25 | $-0.48 | $0.46 | ||
| Q4 24 | $-0.11 | $0.62 | ||
| Q3 24 | $0.21 | $0.28 | ||
| Q2 24 | $0.16 | $0.47 | ||
| Q1 24 | $0.10 | $0.40 |
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 | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $58.5M | $283.8M |
| 总资产 | $754.1M | $342.0M |
| 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OPFIRGR
| Q4 25 | $49.5M | $92.5M | ||
| Q3 25 | $45.5M | $80.8M | ||
| Q2 25 | $45.2M | $101.4M | ||
| Q1 25 | $58.0M | $108.3M | ||
| Q4 24 | $61.3M | $105.5M | ||
| Q3 24 | $44.8M | $96.0M | ||
| Q2 24 | $46.6M | $105.6M | ||
| Q1 24 | $47.2M | $115.3M |
股东权益OPFIRGR
| Q4 25 | $58.5M | $283.8M | ||
| Q3 25 | $49.4M | $279.6M | ||
| Q2 25 | $13.4M | $289.3M | ||
| Q1 25 | $22.6M | $321.5M | ||
| Q4 24 | $32.8M | $319.6M | ||
| Q3 24 | $34.9M | $314.9M | ||
| Q2 24 | $18.6M | $321.5M | ||
| Q1 24 | $18.2M | $332.0M |
总资产OPFIRGR
| Q4 25 | $754.1M | $342.0M | ||
| Q3 25 | $720.6M | $342.3M | ||
| Q2 25 | $673.4M | $349.5M | ||
| Q1 25 | $640.1M | $379.0M | ||
| Q4 24 | $641.2M | $384.0M | ||
| Q3 24 | $619.3M | $373.5M | ||
| Q2 24 | $573.1M | $376.7M | ||
| Q1 24 | $563.2M | $385.0M |
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 | $15.5M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $12.3M |
| 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% | 2.1% |
| 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 | $38.5M |
8季度趋势，按日历期对齐
经营现金流OPFIRGR
| Q4 25 | $401.3M | $15.5M | ||
| Q3 25 | $105.1M | $12.9M | ||
| Q2 25 | $95.6M | $14.7M | ||
| Q1 25 | $83.7M | $11.1M | ||
| Q4 24 | $323.8M | $20.0M | ||
| Q3 24 | $77.6M | $9.4M | ||
| Q2 24 | $77.3M | $18.7M | ||
| Q1 24 | $74.4M | $7.3M |
自由现金流OPFIRGR
| Q4 25 | $382.2M | $12.3M | ||
| Q3 25 | $99.9M | $7.0M | ||
| Q2 25 | $91.0M | $9.1M | ||
| Q1 25 | $79.3M | $10.0M | ||
| Q4 24 | $310.8M | $16.4M | ||
| Q3 24 | $73.7M | $2.6M | ||
| Q2 24 | $74.7M | $10.1M | ||
| Q1 24 | $72.3M | $5.6M |
自由现金流率OPFIRGR
| Q4 25 | 446.6% | 8.2% | ||
| Q3 25 | 95.6% | 5.5% | ||
| Q2 25 | 90.8% | 6.9% | ||
| Q1 25 | 87.4% | 7.4% | ||
| Q4 24 | 384.6% | 11.2% | ||
| Q3 24 | 80.8% | 2.1% | ||
| Q2 24 | 86.6% | 7.7% | ||
| Q1 24 | 114.4% | 4.1% |
资本支出强度OPFIRGR
| Q4 25 | 22.3% | 2.1% | ||
| Q3 25 | 5.0% | 4.6% | ||
| Q2 25 | 4.6% | 4.2% | ||
| Q1 25 | 4.8% | 0.8% | ||
| Q4 24 | 16.1% | 2.5% | ||
| Q3 24 | 4.3% | 5.5% | ||
| Q2 24 | 3.0% | 6.6% | ||
| Q1 24 | 3.4% | 1.3% |
现金转化率OPFIRGR
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | 8.15× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | 1.98× | ||
| Q2 24 | 25.21× | 2.27× | ||
| Q1 24 | 13.44× | 1.04× |
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
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
