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OppFi Inc.（OPFI）与REGIS CORP（RGS）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REGIS CORP的1.5倍（$85.6M vs $57.1M），OppFi Inc.净利率更高（19.7% vs 0.8%，领先18.9%），REGIS CORP同比增速更快（22.3% vs 5.9%），OppFi Inc.自由现金流更多（$382.2M vs $891.0K），过去两年OppFi Inc.的营收复合增速更高（16.3% vs 7.8%）
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。
瑞吉斯公司是一家美国美发沙龙运营商，总部位于明尼苏达州明尼阿波利斯市。截至2021年8月，该集团旗下拥有5563家加盟沙龙以及276家直营门店，是北美地区规模领先的美发沙龙连锁经营企业。
OPFI vs RGS — 直观对比
营收规模更大
OPFI
是对方的1.5倍
$57.1M
营收增速更快
RGS
高出16.4%
5.9%
净利率更高
OPFI
高出18.9%
0.8%
自由现金流更多
OPFI
多$381.3M
$891.0K
两年增速更快
OPFI
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $57.1M |
| 净利润 | $16.8M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 36.1% | 10.8% |
| 净利率 | 19.7% | 0.8% |
| 营收同比 | 5.9% | 22.3% |
| 净利润同比 | 400.3% | -94.0% |
| 每股收益（稀释后） | $1.48 | $0.16 |
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OPFIRGS
| Q4 25 | $85.6M | $57.1M | ||
| Q3 25 | $104.6M | $59.0M | ||
| Q2 25 | $100.2M | $60.4M | ||
| Q1 25 | $90.8M | $57.0M | ||
| Q4 24 | $80.8M | $46.7M | ||
| Q3 24 | $91.2M | $46.1M | ||
| Q2 24 | $86.3M | $49.4M | ||
| Q1 24 | $63.2M | $49.2M |
净利润OPFIRGS
| Q4 25 | $16.8M | $456.0K | ||
| Q3 25 | $41.6M | $1.4M | ||
| Q2 25 | $-20.8M | $116.5M | ||
| Q1 25 | $-11.4M | $250.0K | ||
| Q4 24 | $-5.6M | $7.6M | ||
| Q3 24 | $4.3M | $-853.0K | ||
| Q2 24 | $3.1M | $91.2M | ||
| Q1 24 | $5.5M | $-2.3M |
营业利润率OPFIRGS
| Q4 25 | 36.1% | 10.8% | ||
| Q3 25 | 46.3% | 10.0% | ||
| Q2 25 | 44.7% | 12.1% | ||
| Q1 25 | 46.8% | 8.8% | ||
| Q4 24 | 30.5% | 11.8% | ||
| Q3 24 | 38.5% | 4.6% | ||
| Q2 24 | 34.2% | — | ||
| Q1 24 | 8.4% | 8.3% |
净利率OPFIRGS
| Q4 25 | 19.7% | 0.8% | ||
| Q3 25 | 39.8% | 2.3% | ||
| Q2 25 | -20.7% | 192.9% | ||
| Q1 25 | -12.5% | 0.4% | ||
| Q4 24 | -6.9% | 16.4% | ||
| Q3 24 | 4.7% | -1.9% | ||
| Q2 24 | 3.6% | 184.7% | ||
| Q1 24 | 8.8% | -4.7% |
每股收益（稀释后）OPFIRGS
| Q4 25 | $1.48 | $0.16 | ||
| Q3 25 | $0.77 | $0.49 | ||
| Q2 25 | $-0.78 | $43.67 | ||
| Q1 25 | $-0.48 | $0.08 | ||
| Q4 24 | $-0.11 | $2.71 | ||
| Q3 24 | $0.21 | $-0.36 | ||
| Q2 24 | $0.16 | $38.40 | ||
| Q1 24 | $0.10 | $-1.00 |
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 | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $58.5M | $188.7M |
| 总资产 | $754.1M | $588.3M |
| 负债/权益比越低杠杆越低 | — | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资OPFIRGS
| Q4 25 | $49.5M | $18.4M | ||
| Q3 25 | $45.5M | $16.6M | ||
| Q2 25 | $45.2M | $17.0M | ||
| Q1 25 | $58.0M | $13.3M | ||
| Q4 24 | $61.3M | $10.2M | ||
| Q3 24 | $44.8M | $6.3M | ||
| Q2 24 | $46.6M | $10.1M | ||
| Q1 24 | $47.2M | $5.9M |
总债务OPFIRGS
| Q4 25 | — | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益OPFIRGS
| Q4 25 | $58.5M | $188.7M | ||
| Q3 25 | $49.4M | $187.6M | ||
| Q2 25 | $13.4M | $185.6M | ||
| Q1 25 | $22.6M | $68.6M | ||
| Q4 24 | $32.8M | $66.7M | ||
| Q3 24 | $34.9M | $56.4M | ||
| Q2 24 | $18.6M | $56.8M | ||
| Q1 24 | $18.2M | $-35.8M |
总资产OPFIRGS
| Q4 25 | $754.1M | $588.3M | ||
| Q3 25 | $720.6M | $592.1M | ||
| Q2 25 | $673.4M | $599.0M | ||
| Q1 25 | $640.1M | $511.2M | ||
| Q4 24 | $641.2M | $530.1M | ||
| Q3 24 | $619.3M | $508.9M | ||
| Q2 24 | $573.1M | $530.5M | ||
| Q1 24 | $563.2M | $543.7M |
负债/权益比OPFIRGS
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 1.67× | ||
| Q3 24 | — | 1.69× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | — |
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 | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $891.0K |
| 自由现金流率自由现金流/营收 | 446.6% | 1.6% |
| 资本支出强度资本支出/营收 | 22.3% | 1.4% |
| 现金转化率经营现金流/净利润 | 23.82× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $652.5M | $14.9M |
8季度趋势，按日历期对齐
经营现金流OPFIRGS
| Q4 25 | $401.3M | $1.7M | ||
| Q3 25 | $105.1M | $2.3M | ||
| Q2 25 | $95.6M | $6.8M | ||
| Q1 25 | $83.7M | $6.2M | ||
| Q4 24 | $323.8M | $2.1M | ||
| Q3 24 | $77.6M | $-1.3M | ||
| Q2 24 | $77.3M | $5.1M | ||
| Q1 24 | $74.4M | $-277.0K |
自由现金流OPFIRGS
| Q4 25 | $382.2M | $891.0K | ||
| Q3 25 | $99.9M | $1.9M | ||
| Q2 25 | $91.0M | $6.2M | ||
| Q1 25 | $79.3M | $5.9M | ||
| Q4 24 | $310.8M | $1.7M | ||
| Q3 24 | $73.7M | $-1.4M | ||
| Q2 24 | $74.7M | $5.1M | ||
| Q1 24 | $72.3M | $-326.0K |
自由现金流率OPFIRGS
| Q4 25 | 446.6% | 1.6% | ||
| Q3 25 | 95.6% | 3.2% | ||
| Q2 25 | 90.8% | 10.3% | ||
| Q1 25 | 87.4% | 10.3% | ||
| Q4 24 | 384.6% | 3.6% | ||
| Q3 24 | 80.8% | -3.0% | ||
| Q2 24 | 86.6% | 10.3% | ||
| Q1 24 | 114.4% | -0.7% |
资本支出强度OPFIRGS
| Q4 25 | 22.3% | 1.4% | ||
| Q3 25 | 5.0% | 0.7% | ||
| Q2 25 | 4.6% | 0.9% | ||
| Q1 25 | 4.8% | 0.6% | ||
| Q4 24 | 16.1% | 0.9% | ||
| Q3 24 | 4.3% | 0.0% | ||
| Q2 24 | 3.0% | 0.0% | ||
| Q1 24 | 3.4% | 0.1% |
现金转化率OPFIRGS
| Q4 25 | 23.82× | 3.65× | ||
| Q3 25 | 2.52× | 1.68× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 18.19× | — | ||
| Q2 24 | 25.21× | 0.06× | ||
| 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
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
