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OppFi Inc.（OPFI）与RIGEL PHARMACEUTICALS INC（RIGL）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RIGEL PHARMACEUTICALS INC的1.2倍（$85.6M vs $69.8M），RIGEL PHARMACEUTICALS INC净利率更高（384.0% vs 19.7%，领先364.3%），RIGEL PHARMACEUTICALS INC同比增速更快（21.2% vs 5.9%），过去两年RIGEL PHARMACEUTICALS INC的营收复合增速更高（53.7% vs 16.3%）
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。
Rigel制药是一家临床阶段生物技术企业，专注于研发及商业化针对自身免疫性疾病、炎症性疾病与血液疾病的靶向小分子疗法，核心市场位于美国，旗下已获批产品可治疗成人免疫性血小板减少症，致力于满足未被覆盖的临床医疗需求。
OPFI vs RIGL — 直观对比
营收规模更大
OPFI
是对方的1.2倍
$69.8M
营收增速更快
RIGL
高出15.3%
5.9%
净利率更高
RIGL
高出364.3%
19.7%
两年增速更快
RIGL
近两年复合增速
16.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $69.8M |
| 净利润 | $16.8M | $268.1M |
| 毛利率 | — | 91.5% |
| 营业利润率 | 36.1% | 33.2% |
| 净利率 | 19.7% | 384.0% |
| 营收同比 | 5.9% | 21.2% |
| 净利润同比 | 400.3% | 1769.2% |
| 每股收益（稀释后） | $1.48 | $14.11 |
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OPFIRIGL
| Q4 25 | $85.6M | $69.8M | ||
| Q3 25 | $104.6M | $69.5M | ||
| Q2 25 | $100.2M | $101.7M | ||
| Q1 25 | $90.8M | $53.3M | ||
| Q4 24 | $80.8M | $57.6M | ||
| Q3 24 | $91.2M | $55.3M | ||
| Q2 24 | $86.3M | $36.8M | ||
| Q1 24 | $63.2M | $29.5M |
净利润OPFIRIGL
| Q4 25 | $16.8M | $268.1M | ||
| Q3 25 | $41.6M | $27.9M | ||
| Q2 25 | $-20.8M | $59.6M | ||
| Q1 25 | $-11.4M | $11.4M | ||
| Q4 24 | $-5.6M | $14.3M | ||
| Q3 24 | $4.3M | $12.4M | ||
| Q2 24 | $3.1M | $-1.0M | ||
| Q1 24 | $5.5M | $-8.2M |
毛利率OPFIRIGL
| Q4 25 | — | 91.5% | ||
| Q3 25 | — | 93.2% | ||
| Q2 25 | — | 95.6% | ||
| Q1 25 | — | 91.7% | ||
| Q4 24 | — | 89.9% | ||
| Q3 24 | — | 85.5% | ||
| Q2 24 | — | 92.4% | ||
| Q1 24 | — | 93.1% |
营业利润率OPFIRIGL
| Q4 25 | 36.1% | 33.2% | ||
| Q3 25 | 46.3% | 40.9% | ||
| Q2 25 | 44.7% | 60.1% | ||
| Q1 25 | 46.8% | 23.9% | ||
| Q4 24 | 30.5% | 28.9% | ||
| Q3 24 | 38.5% | 25.4% | ||
| Q2 24 | 34.2% | 1.2% | ||
| Q1 24 | 8.4% | -23.6% |
净利率OPFIRIGL
| Q4 25 | 19.7% | 384.0% | ||
| Q3 25 | 39.8% | 40.2% | ||
| Q2 25 | -20.7% | 58.6% | ||
| Q1 25 | -12.5% | 21.5% | ||
| Q4 24 | -6.9% | 24.9% | ||
| Q3 24 | 4.7% | 22.5% | ||
| Q2 24 | 3.6% | -2.8% | ||
| Q1 24 | 8.8% | -27.9% |
每股收益（稀释后）OPFIRIGL
| Q4 25 | $1.48 | $14.11 | ||
| Q3 25 | $0.77 | $1.46 | ||
| Q2 25 | $-0.78 | $3.28 | ||
| Q1 25 | $-0.48 | $0.63 | ||
| Q4 24 | $-0.11 | $0.82 | ||
| Q3 24 | $0.21 | $0.70 | ||
| Q2 24 | $0.16 | $-0.06 | ||
| Q1 24 | $0.10 | $-0.47 |
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 | $155.0M |
| 总债务越低越好 | — | $52.5M |
| 股东权益账面价值 | $58.5M | $391.5M |
| 总资产 | $754.1M | $513.6M |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资OPFIRIGL
| Q4 25 | $49.5M | $155.0M | ||
| Q3 25 | $45.5M | $137.1M | ||
| Q2 25 | $45.2M | $108.4M | ||
| Q1 25 | $58.0M | $77.1M | ||
| Q4 24 | $61.3M | $77.3M | ||
| Q3 24 | $44.8M | $61.1M | ||
| Q2 24 | $46.6M | $49.1M | ||
| Q1 24 | $47.2M | $49.5M |
总债务OPFIRIGL
| Q4 25 | — | $52.5M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $60.0M | ||
| Q1 25 | — | $60.0M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $60.0M | ||
| Q1 24 | — | $60.0M |
股东权益OPFIRIGL
| Q4 25 | $58.5M | $391.5M | ||
| Q3 25 | $49.4M | $117.6M | ||
| Q2 25 | $13.4M | $81.9M | ||
| Q1 25 | $22.6M | $18.6M | ||
| Q4 24 | $32.8M | $3.3M | ||
| Q3 24 | $34.9M | $-14.6M | ||
| Q2 24 | $18.6M | $-29.9M | ||
| Q1 24 | $18.2M | $-31.7M |
总资产OPFIRIGL
| Q4 25 | $754.1M | $513.6M | ||
| Q3 25 | $720.6M | $242.5M | ||
| Q2 25 | $673.4M | $206.7M | ||
| Q1 25 | $640.1M | $176.0M | ||
| Q4 24 | $641.2M | $164.0M | ||
| Q3 24 | $619.3M | $139.4M | ||
| Q2 24 | $573.1M | $128.4M | ||
| Q1 24 | $563.2M | $126.5M |
负债/权益比OPFIRIGL
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 3.23× | ||
| Q4 24 | — | 18.25× | ||
| 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 | $22.0M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | — |
| 自由现金流率自由现金流/营收 | 446.6% | — |
| 资本支出强度资本支出/营收 | 22.3% | — |
| 现金转化率经营现金流/净利润 | 23.82× | 0.08× |
| 过去12个月自由现金流最近4个季度 | $652.5M | — |
8季度趋势，按日历期对齐
经营现金流OPFIRIGL
| Q4 25 | $401.3M | $22.0M | ||
| Q3 25 | $105.1M | $24.0M | ||
| Q2 25 | $95.6M | $30.5M | ||
| Q1 25 | $83.7M | $-893.0K | ||
| Q4 24 | $323.8M | $14.5M | ||
| Q3 24 | $77.6M | $21.7M | ||
| Q2 24 | $77.3M | $302.0K | ||
| Q1 24 | $74.4M | $-5.0M |
自由现金流OPFIRIGL
| Q4 25 | $382.2M | — | ||
| Q3 25 | $99.9M | — | ||
| Q2 25 | $91.0M | — | ||
| Q1 25 | $79.3M | — | ||
| Q4 24 | $310.8M | — | ||
| Q3 24 | $73.7M | — | ||
| Q2 24 | $74.7M | — | ||
| Q1 24 | $72.3M | — |
自由现金流率OPFIRIGL
| Q4 25 | 446.6% | — | ||
| Q3 25 | 95.6% | — | ||
| Q2 25 | 90.8% | — | ||
| Q1 25 | 87.4% | — | ||
| Q4 24 | 384.6% | — | ||
| Q3 24 | 80.8% | — | ||
| Q2 24 | 86.6% | — | ||
| Q1 24 | 114.4% | — |
资本支出强度OPFIRIGL
| Q4 25 | 22.3% | — | ||
| Q3 25 | 5.0% | — | ||
| Q2 25 | 4.6% | — | ||
| Q1 25 | 4.8% | — | ||
| Q4 24 | 16.1% | — | ||
| Q3 24 | 4.3% | — | ||
| Q2 24 | 3.0% | — | ||
| Q1 24 | 3.4% | — |
现金转化率OPFIRIGL
| Q4 25 | 23.82× | 0.08× | ||
| Q3 25 | 2.52× | 0.86× | ||
| Q2 25 | — | 0.51× | ||
| Q1 25 | — | -0.08× | ||
| Q4 24 | — | 1.01× | ||
| Q3 24 | 18.19× | 1.75× | ||
| 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
