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OppFi Inc.（OPFI）与RCI HOSPITALITY HOLDINGS, INC.（RICK）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RCI HOSPITALITY HOLDINGS, INC.的1.2倍（$85.6M vs $70.9M），OppFi Inc.净利率更高（19.7% vs -7.8%，领先27.4%），OppFi Inc.同比增速更快（5.9% vs -3.1%），OppFi Inc.自由现金流更多（$382.2M vs $11.5M），过去两年OppFi Inc.的营收复合增速更高（16.3% vs -2.0%）
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。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
OPFI vs RICK — 直观对比
营收规模更大
OPFI
是对方的1.2倍
$70.9M
营收增速更快
OPFI
高出9.0%
-3.1%
净利率更高
OPFI
高出27.4%
-7.8%
自由现金流更多
OPFI
多$370.7M
$11.5M
两年增速更快
OPFI
近两年复合增速
-2.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $70.9M |
| 净利润 | $16.8M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | 36.1% | -0.7% |
| 净利率 | 19.7% | -7.8% |
| 营收同比 | 5.9% | -3.1% |
| 净利润同比 | 400.3% | -2354.9% |
| 每股收益（稀释后） | $1.48 | $-0.60 |
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OPFIRICK
| Q4 25 | $85.6M | — | ||
| Q3 25 | $104.6M | $70.9M | ||
| Q2 25 | $100.2M | $71.1M | ||
| Q1 25 | $90.8M | $65.9M | ||
| Q4 24 | $80.8M | $71.5M | ||
| Q3 24 | $91.2M | $73.2M | ||
| Q2 24 | $86.3M | $76.2M | ||
| Q1 24 | $63.2M | $72.3M |
净利润OPFIRICK
| Q4 25 | $16.8M | — | ||
| Q3 25 | $41.6M | $-5.5M | ||
| Q2 25 | $-20.8M | $4.1M | ||
| Q1 25 | $-11.4M | $3.2M | ||
| Q4 24 | $-5.6M | $9.0M | ||
| Q3 24 | $4.3M | $244.0K | ||
| Q2 24 | $3.1M | $-5.2M | ||
| Q1 24 | $5.5M | $774.0K |
营业利润率OPFIRICK
| Q4 25 | 36.1% | — | ||
| Q3 25 | 46.3% | -0.7% | ||
| Q2 25 | 44.7% | 12.2% | ||
| Q1 25 | 46.8% | 12.4% | ||
| Q4 24 | 30.5% | 19.5% | ||
| Q3 24 | 38.5% | 4.8% | ||
| Q2 24 | 34.2% | -3.3% | ||
| Q1 24 | 8.4% | 6.4% |
净利率OPFIRICK
| Q4 25 | 19.7% | — | ||
| Q3 25 | 39.8% | -7.8% | ||
| Q2 25 | -20.7% | 5.7% | ||
| Q1 25 | -12.5% | 4.9% | ||
| Q4 24 | -6.9% | 12.6% | ||
| Q3 24 | 4.7% | 0.3% | ||
| Q2 24 | 3.6% | -6.9% | ||
| Q1 24 | 8.8% | 1.1% |
每股收益（稀释后）OPFIRICK
| Q4 25 | $1.48 | — | ||
| Q3 25 | $0.77 | $-0.60 | ||
| Q2 25 | $-0.78 | $0.46 | ||
| Q1 25 | $-0.48 | $0.36 | ||
| Q4 24 | $-0.11 | $1.01 | ||
| Q3 24 | $0.21 | $0.04 | ||
| Q2 24 | $0.16 | $-0.56 | ||
| 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 | $33.7M |
| 总债务越低越好 | — | $238.2M |
| 股东权益账面价值 | $58.5M | $261.1M |
| 总资产 | $754.1M | $596.9M |
| 负债/权益比越低杠杆越低 | — | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资OPFIRICK
| Q4 25 | $49.5M | — | ||
| Q3 25 | $45.5M | $33.7M | ||
| Q2 25 | $45.2M | $29.3M | ||
| Q1 25 | $58.0M | $32.7M | ||
| Q4 24 | $61.3M | $34.7M | ||
| Q3 24 | $44.8M | $32.4M | ||
| Q2 24 | $46.6M | $34.9M | ||
| Q1 24 | $47.2M | $20.0M |
总债务OPFIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | $238.2M | ||
| Q2 25 | — | $243.8M | ||
| Q1 25 | — | $244.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $241.1M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益OPFIRICK
| Q4 25 | $58.5M | — | ||
| Q3 25 | $49.4M | $261.1M | ||
| Q2 25 | $13.4M | $269.5M | ||
| Q1 25 | $22.6M | $268.8M | ||
| Q4 24 | $32.8M | $269.0M | ||
| Q3 24 | $34.9M | $263.4M | ||
| Q2 24 | $18.6M | $271.2M | ||
| Q1 24 | $18.2M | $285.8M |
总资产OPFIRICK
| Q4 25 | $754.1M | — | ||
| Q3 25 | $720.6M | $596.9M | ||
| Q2 25 | $673.4M | $597.4M | ||
| Q1 25 | $640.1M | $589.8M | ||
| Q4 24 | $641.2M | $586.2M | ||
| Q3 24 | $619.3M | $584.4M | ||
| Q2 24 | $573.1M | $601.0M | ||
| Q1 24 | $563.2M | $609.9M |
负债/权益比OPFIRICK
| Q4 25 | — | — | ||
| Q3 25 | — | 0.91× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.92× | ||
| 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 | $13.7M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $11.5M |
| 自由现金流率自由现金流/营收 | 446.6% | 16.2% |
| 资本支出强度资本支出/营收 | 22.3% | 3.2% |
| 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 | $34.9M |
8季度趋势，按日历期对齐
经营现金流OPFIRICK
| Q4 25 | $401.3M | — | ||
| Q3 25 | $105.1M | $13.7M | ||
| Q2 25 | $95.6M | $13.8M | ||
| Q1 25 | $83.7M | $8.5M | ||
| Q4 24 | $323.8M | $13.3M | ||
| Q3 24 | $77.6M | $15.7M | ||
| Q2 24 | $77.3M | $15.8M | ||
| Q1 24 | $74.4M | $10.8M |
自由现金流OPFIRICK
| Q4 25 | $382.2M | — | ||
| Q3 25 | $99.9M | $11.5M | ||
| Q2 25 | $91.0M | $10.1M | ||
| Q1 25 | $79.3M | $5.7M | ||
| Q4 24 | $310.8M | $7.6M | ||
| Q3 24 | $73.7M | $10.3M | ||
| Q2 24 | $74.7M | $9.3M | ||
| Q1 24 | $72.3M | $3.2M |
自由现金流率OPFIRICK
| Q4 25 | 446.6% | — | ||
| Q3 25 | 95.6% | 16.2% | ||
| Q2 25 | 90.8% | 14.2% | ||
| Q1 25 | 87.4% | 8.6% | ||
| Q4 24 | 384.6% | 10.6% | ||
| Q3 24 | 80.8% | 14.0% | ||
| Q2 24 | 86.6% | 12.3% | ||
| Q1 24 | 114.4% | 4.4% |
资本支出强度OPFIRICK
| Q4 25 | 22.3% | — | ||
| Q3 25 | 5.0% | 3.2% | ||
| Q2 25 | 4.6% | 5.2% | ||
| Q1 25 | 4.8% | 4.3% | ||
| Q4 24 | 16.1% | 8.0% | ||
| Q3 24 | 4.3% | 7.3% | ||
| Q2 24 | 3.0% | 8.4% | ||
| Q1 24 | 3.4% | 10.6% |
现金转化率OPFIRICK
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | — | ||
| Q2 25 | — | 3.40× | ||
| Q1 25 | — | 2.65× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | 18.19× | 64.14× | ||
| Q2 24 | 25.21× | — | ||
| Q1 24 | 13.44× | 14.00× |
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
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
