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OppFi Inc.（OPFI）与RE/MAX Holdings, Inc.（RMAX）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RE/MAX Holdings, Inc.的1.2倍（$85.6M vs $71.1M），OppFi Inc.净利率更高（19.7% vs 2.0%，领先17.7%），OppFi Inc.同比增速更快（5.9% vs -1.8%），OppFi Inc.自由现金流更多（$382.2M vs $33.5M），过去两年OppFi Inc.的营收复合增速更高（16.3% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
OPFI vs RMAX — 直观对比
营收规模更大
OPFI
是对方的1.2倍
$71.1M
营收增速更快
OPFI
高出7.7%
-1.8%
净利率更高
OPFI
高出17.7%
2.0%
自由现金流更多
OPFI
多$348.7M
$33.5M
两年增速更快
OPFI
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $71.1M |
| 净利润 | $16.8M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 36.1% | 13.1% |
| 净利率 | 19.7% | 2.0% |
| 营收同比 | 5.9% | -1.8% |
| 净利润同比 | 400.3% | -75.2% |
| 每股收益（稀释后） | $1.48 | — |
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OPFIRMAX
| Q4 25 | $85.6M | $71.1M | ||
| Q3 25 | $104.6M | $73.2M | ||
| Q2 25 | $100.2M | $72.8M | ||
| Q1 25 | $90.8M | $74.5M | ||
| Q4 24 | $80.8M | $72.5M | ||
| Q3 24 | $91.2M | $78.5M | ||
| Q2 24 | $86.3M | $78.5M | ||
| Q1 24 | $63.2M | $78.3M |
净利润OPFIRMAX
| Q4 25 | $16.8M | $1.4M | ||
| Q3 25 | $41.6M | $4.0M | ||
| Q2 25 | $-20.8M | $4.7M | ||
| Q1 25 | $-11.4M | $-2.0M | ||
| Q4 24 | $-5.6M | $5.8M | ||
| Q3 24 | $4.3M | $966.0K | ||
| Q2 24 | $3.1M | $3.7M | ||
| Q1 24 | $5.5M | $-3.4M |
营业利润率OPFIRMAX
| Q4 25 | 36.1% | 13.1% | ||
| Q3 25 | 46.3% | 25.0% | ||
| Q2 25 | 44.7% | 19.3% | ||
| Q1 25 | 46.8% | 7.2% | ||
| Q4 24 | 30.5% | 5.9% | ||
| Q3 24 | 38.5% | 19.4% | ||
| Q2 24 | 34.2% | 20.6% | ||
| Q1 24 | 8.4% | 5.8% |
净利率OPFIRMAX
| Q4 25 | 19.7% | 2.0% | ||
| Q3 25 | 39.8% | 5.4% | ||
| Q2 25 | -20.7% | 6.4% | ||
| Q1 25 | -12.5% | -2.6% | ||
| Q4 24 | -6.9% | 8.0% | ||
| Q3 24 | 4.7% | 1.2% | ||
| Q2 24 | 3.6% | 4.7% | ||
| Q1 24 | 8.8% | -4.3% |
每股收益（稀释后）OPFIRMAX
| Q4 25 | $1.48 | — | ||
| Q3 25 | $0.77 | — | ||
| Q2 25 | $-0.78 | — | ||
| Q1 25 | $-0.48 | — | ||
| 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 | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $58.5M | $452.4M |
| 总资产 | $754.1M | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资OPFIRMAX
| Q4 25 | $49.5M | $118.7M | ||
| Q3 25 | $45.5M | $107.5M | ||
| Q2 25 | $45.2M | $94.3M | ||
| Q1 25 | $58.0M | $89.1M | ||
| Q4 24 | $61.3M | $96.6M | ||
| Q3 24 | $44.8M | $83.8M | ||
| Q2 24 | $46.6M | $66.1M | ||
| Q1 24 | $47.2M | $82.1M |
总债务OPFIRMAX
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
股东权益OPFIRMAX
| Q4 25 | $58.5M | $452.4M | ||
| Q3 25 | $49.4M | $448.1M | ||
| Q2 25 | $13.4M | $442.4M | ||
| Q1 25 | $22.6M | $433.5M | ||
| Q4 24 | $32.8M | $429.5M | ||
| Q3 24 | $34.9M | $423.1M | ||
| Q2 24 | $18.6M | $418.4M | ||
| Q1 24 | $18.2M | $412.0M |
总资产OPFIRMAX
| Q4 25 | $754.1M | $582.5M | ||
| Q3 25 | $720.6M | $582.2M | ||
| Q2 25 | $673.4M | $574.8M | ||
| Q1 25 | $640.1M | $571.4M | ||
| Q4 24 | $641.2M | $581.6M | ||
| Q3 24 | $619.3M | $578.6M | ||
| Q2 24 | $573.1M | $571.4M | ||
| Q1 24 | $563.2M | $566.7M |
负债/权益比OPFIRMAX
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $33.5M |
| 自由现金流率自由现金流/营收 | 446.6% | 47.1% |
| 资本支出强度资本支出/营收 | 22.3% | 10.4% |
| 现金转化率经营现金流/净利润 | 23.82× | 28.39× |
| 过去12个月自由现金流最近4个季度 | $652.5M | $56.8M |
8季度趋势，按日历期对齐
经营现金流OPFIRMAX
| Q4 25 | $401.3M | $40.9M | ||
| Q3 25 | $105.1M | $17.7M | ||
| Q2 25 | $95.6M | $4.6M | ||
| Q1 25 | $83.7M | $5.7M | ||
| Q4 24 | $323.8M | $59.7M | ||
| Q3 24 | $77.6M | $17.6M | ||
| Q2 24 | $77.3M | $15.9M | ||
| Q1 24 | $74.4M | $9.4M |
自由现金流OPFIRMAX
| Q4 25 | $382.2M | $33.5M | ||
| Q3 25 | $99.9M | $16.4M | ||
| Q2 25 | $91.0M | $2.9M | ||
| Q1 25 | $79.3M | $4.0M | ||
| Q4 24 | $310.8M | $53.0M | ||
| Q3 24 | $73.7M | $16.3M | ||
| Q2 24 | $74.7M | $14.0M | ||
| Q1 24 | $72.3M | $6.8M |
自由现金流率OPFIRMAX
| Q4 25 | 446.6% | 47.1% | ||
| Q3 25 | 95.6% | 22.4% | ||
| Q2 25 | 90.8% | 4.0% | ||
| Q1 25 | 87.4% | 5.3% | ||
| Q4 24 | 384.6% | 73.2% | ||
| Q3 24 | 80.8% | 20.8% | ||
| Q2 24 | 86.6% | 17.8% | ||
| Q1 24 | 114.4% | 8.6% |
资本支出强度OPFIRMAX
| Q4 25 | 22.3% | 10.4% | ||
| Q3 25 | 5.0% | 1.8% | ||
| Q2 25 | 4.6% | 2.2% | ||
| Q1 25 | 4.8% | 2.3% | ||
| Q4 24 | 16.1% | 9.1% | ||
| Q3 24 | 4.3% | 1.7% | ||
| Q2 24 | 3.0% | 2.4% | ||
| Q1 24 | 3.4% | 3.3% |
现金转化率OPFIRMAX
| Q4 25 | 23.82× | 28.39× | ||
| Q3 25 | 2.52× | 4.45× | ||
| Q2 25 | — | 0.97× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | 18.19× | 18.22× | ||
| Q2 24 | 25.21× | 4.29× | ||
| 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
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
