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OppFi Inc.（OPFI）与Resolute Holdings Management, Inc.（RHLD）财务数据对比。点击上方公司名可切换其他公司
Resolute Holdings Management, 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 -1.5%，领先21.1%），OppFi Inc.自由现金流更多（$382.2M vs $189.2M）
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。
Resolute Holdings Management, Inc.是一家澳大利亚矿业企业，核心业务布局于非洲地区，目前运营两座金矿，分别为位于马里的 Syama 金矿和塞内加尔的 Mako 金矿，专注于黄金资源的勘探、开采及相关运营管理工作。
OPFI vs RHLD — 直观对比
营收规模更大
RHLD
是对方的1.4倍
$85.6M
净利率更高
OPFI
高出21.1%
-1.5%
自由现金流更多
OPFI
多$193.0M
$189.2M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $117.7M |
| 净利润 | $16.8M | $-1.7M |
| 毛利率 | — | 55.7% |
| 营业利润率 | 36.1% | 30.2% |
| 净利率 | 19.7% | -1.5% |
| 营收同比 | 5.9% | — |
| 净利润同比 | 400.3% | — |
| 每股收益（稀释后） | $1.48 | $-0.20 |
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OPFIRHLD
| Q4 25 | $85.6M | $117.7M | ||
| Q3 25 | $104.6M | $120.9M | ||
| Q2 25 | $100.2M | $119.6M | ||
| Q1 25 | $90.8M | $103.9M | ||
| Q4 24 | $80.8M | — | ||
| Q3 24 | $91.2M | — | ||
| Q2 24 | $86.3M | — | ||
| Q1 24 | $63.2M | — |
净利润OPFIRHLD
| Q4 25 | $16.8M | $-1.7M | ||
| Q3 25 | $41.6M | $-231.0K | ||
| Q2 25 | $-20.8M | $-611.0K | ||
| Q1 25 | $-11.4M | $-3.4M | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | — | ||
| Q2 24 | $3.1M | — | ||
| Q1 24 | $5.5M | — |
毛利率OPFIRHLD
| Q4 25 | — | 55.7% | ||
| Q3 25 | — | 59.0% | ||
| Q2 25 | — | 57.5% | ||
| Q1 25 | — | 52.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率OPFIRHLD
| Q4 25 | 36.1% | 30.2% | ||
| Q3 25 | 46.3% | 34.3% | ||
| Q2 25 | 44.7% | 34.0% | ||
| Q1 25 | 46.8% | 24.7% | ||
| Q4 24 | 30.5% | — | ||
| Q3 24 | 38.5% | — | ||
| Q2 24 | 34.2% | — | ||
| Q1 24 | 8.4% | — |
净利率OPFIRHLD
| Q4 25 | 19.7% | -1.5% | ||
| Q3 25 | 39.8% | -0.2% | ||
| Q2 25 | -20.7% | -0.5% | ||
| Q1 25 | -12.5% | -3.2% | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | — | ||
| Q2 24 | 3.6% | — | ||
| Q1 24 | 8.8% | — |
每股收益（稀释后）OPFIRHLD
| Q4 25 | $1.48 | $-0.20 | ||
| Q3 25 | $0.77 | $-0.03 | ||
| Q2 25 | $-0.78 | $-0.07 | ||
| Q1 25 | $-0.48 | $-0.39 | ||
| Q4 24 | $-0.11 | — | ||
| Q3 24 | $0.21 | — | ||
| Q2 24 | $0.16 | — | ||
| Q1 24 | $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 | $205.5M |
| 总债务越低越好 | — | $169.8M |
| 股东权益账面价值 | $58.5M | $6.5M |
| 总资产 | $754.1M | $333.4M |
| 负债/权益比越低杠杆越低 | — | 26.03× |
8季度趋势，按日历期对齐
现金及短期投资OPFIRHLD
| Q4 25 | $49.5M | $205.5M | ||
| Q3 25 | $45.5M | $148.0M | ||
| Q2 25 | $45.2M | $99.9M | ||
| Q1 25 | $58.0M | $71.0M | ||
| Q4 24 | $61.3M | — | ||
| Q3 24 | $44.8M | — | ||
| Q2 24 | $46.6M | — | ||
| Q1 24 | $47.2M | — |
总债务OPFIRHLD
| Q4 25 | — | $169.8M | ||
| Q3 25 | — | $173.4M | ||
| Q2 25 | — | $177.1M | ||
| Q1 25 | — | $180.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益OPFIRHLD
| Q4 25 | $58.5M | $6.5M | ||
| Q3 25 | $49.4M | $10.8M | ||
| Q2 25 | $13.4M | $9.6M | ||
| Q1 25 | $22.6M | $8.9M | ||
| Q4 24 | $32.8M | — | ||
| Q3 24 | $34.9M | — | ||
| Q2 24 | $18.6M | — | ||
| Q1 24 | $18.2M | — |
总资产OPFIRHLD
| Q4 25 | $754.1M | $333.4M | ||
| Q3 25 | $720.6M | $293.2M | ||
| Q2 25 | $673.4M | $253.3M | ||
| Q1 25 | $640.1M | $214.3M | ||
| Q4 24 | $641.2M | — | ||
| Q3 24 | $619.3M | — | ||
| Q2 24 | $573.1M | — | ||
| Q1 24 | $563.2M | — |
负债/权益比OPFIRHLD
| Q4 25 | — | 26.03× | ||
| Q3 25 | — | 16.01× | ||
| Q2 25 | — | 18.42× | ||
| Q1 25 | — | 20.38× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $196.1M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $189.2M |
| 自由现金流率自由现金流/营收 | 446.6% | 160.8% |
| 资本支出强度资本支出/营收 | 22.3% | 5.8% |
| 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 | $313.2M |
8季度趋势，按日历期对齐
经营现金流OPFIRHLD
| Q4 25 | $401.3M | $196.1M | ||
| Q3 25 | $105.1M | $59.6M | ||
| Q2 25 | $95.6M | $48.9M | ||
| Q1 25 | $83.7M | $18.4M | ||
| Q4 24 | $323.8M | — | ||
| Q3 24 | $77.6M | — | ||
| Q2 24 | $77.3M | — | ||
| Q1 24 | $74.4M | — |
自由现金流OPFIRHLD
| Q4 25 | $382.2M | $189.2M | ||
| Q3 25 | $99.9M | $58.6M | ||
| Q2 25 | $91.0M | $47.5M | ||
| Q1 25 | $79.3M | $17.8M | ||
| Q4 24 | $310.8M | — | ||
| Q3 24 | $73.7M | — | ||
| Q2 24 | $74.7M | — | ||
| Q1 24 | $72.3M | — |
自由现金流率OPFIRHLD
| Q4 25 | 446.6% | 160.8% | ||
| Q3 25 | 95.6% | 48.5% | ||
| Q2 25 | 90.8% | 39.7% | ||
| Q1 25 | 87.4% | 17.1% | ||
| Q4 24 | 384.6% | — | ||
| Q3 24 | 80.8% | — | ||
| Q2 24 | 86.6% | — | ||
| Q1 24 | 114.4% | — |
资本支出强度OPFIRHLD
| Q4 25 | 22.3% | 5.8% | ||
| Q3 25 | 5.0% | 0.8% | ||
| Q2 25 | 4.6% | 1.2% | ||
| Q1 25 | 4.8% | 0.6% | ||
| Q4 24 | 16.1% | — | ||
| Q3 24 | 4.3% | — | ||
| Q2 24 | 3.0% | — | ||
| Q1 24 | 3.4% | — |
现金转化率OPFIRHLD
| 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
