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OppFi Inc.（OPFI）与RMR GROUP INC.（RMR）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RMR GROUP INC.的1.3倍（$85.6M vs $66.7M），OppFi Inc.净利率更高（19.7% vs 18.3%，领先1.4%），RMR GROUP INC.同比增速更快（40.8% vs 5.9%）
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。
RMR集团是总部位于美国的另类资产管理企业，核心业务聚焦不动产及相关投资，覆盖商业地产、住宅物业、基础设施等赛道，服务全球核心市场的机构投资者、高净值人士及零售客户。
OPFI vs RMR — 直观对比
营收规模更大
OPFI
是对方的1.3倍
$66.7M
营收增速更快
RMR
高出34.9%
5.9%
净利率更高
OPFI
高出1.4%
18.3%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $66.7M |
| 净利润 | $16.8M | $12.2M |
| 毛利率 | — | — |
| 营业利润率 | 36.1% | 48.1% |
| 净利率 | 19.7% | 18.3% |
| 营收同比 | 5.9% | 40.8% |
| 净利润同比 | 400.3% | 91.1% |
| 每股收益（稀释后） | $1.48 | $0.71 |
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OPFIRMR
| Q4 25 | $85.6M | $66.7M | ||
| Q3 25 | $104.6M | — | ||
| Q2 25 | $100.2M | — | ||
| Q1 25 | $90.8M | — | ||
| Q4 24 | $80.8M | — | ||
| Q3 24 | $91.2M | — | ||
| Q2 24 | $86.3M | — | ||
| Q1 24 | $63.2M | — |
净利润OPFIRMR
| Q4 25 | $16.8M | $12.2M | ||
| Q3 25 | $41.6M | — | ||
| Q2 25 | $-20.8M | — | ||
| Q1 25 | $-11.4M | — | ||
| Q4 24 | $-5.6M | — | ||
| Q3 24 | $4.3M | — | ||
| Q2 24 | $3.1M | — | ||
| Q1 24 | $5.5M | — |
营业利润率OPFIRMR
| Q4 25 | 36.1% | 48.1% | ||
| Q3 25 | 46.3% | — | ||
| Q2 25 | 44.7% | — | ||
| Q1 25 | 46.8% | — | ||
| Q4 24 | 30.5% | — | ||
| Q3 24 | 38.5% | — | ||
| Q2 24 | 34.2% | — | ||
| Q1 24 | 8.4% | — |
净利率OPFIRMR
| Q4 25 | 19.7% | 18.3% | ||
| Q3 25 | 39.8% | — | ||
| Q2 25 | -20.7% | — | ||
| Q1 25 | -12.5% | — | ||
| Q4 24 | -6.9% | — | ||
| Q3 24 | 4.7% | — | ||
| Q2 24 | 3.6% | — | ||
| Q1 24 | 8.8% | — |
每股收益（稀释后）OPFIRMR
| Q4 25 | $1.48 | $0.71 | ||
| 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 | $49.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $58.5M | $232.7M |
| 总资产 | $754.1M | $687.1M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资OPFIRMR
| Q4 25 | $49.5M | $49.3M | ||
| Q3 25 | $45.5M | — | ||
| Q2 25 | $45.2M | — | ||
| Q1 25 | $58.0M | — | ||
| Q4 24 | $61.3M | — | ||
| Q3 24 | $44.8M | — | ||
| Q2 24 | $46.6M | — | ||
| Q1 24 | $47.2M | — |
股东权益OPFIRMR
| Q4 25 | $58.5M | $232.7M | ||
| Q3 25 | $49.4M | — | ||
| Q2 25 | $13.4M | — | ||
| Q1 25 | $22.6M | — | ||
| Q4 24 | $32.8M | — | ||
| Q3 24 | $34.9M | — | ||
| Q2 24 | $18.6M | — | ||
| Q1 24 | $18.2M | — |
总资产OPFIRMR
| Q4 25 | $754.1M | $687.1M | ||
| Q3 25 | $720.6M | — | ||
| Q2 25 | $673.4M | — | ||
| Q1 25 | $640.1M | — | ||
| Q4 24 | $641.2M | — | ||
| Q3 24 | $619.3M | — | ||
| Q2 24 | $573.1M | — | ||
| Q1 24 | $563.2M | — |
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 | $10.7M |
| 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× | 0.88× |
| 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OPFIRMR
| Q4 25 | $401.3M | $10.7M | ||
| Q3 25 | $105.1M | — | ||
| Q2 25 | $95.6M | — | ||
| Q1 25 | $83.7M | — | ||
| Q4 24 | $323.8M | — | ||
| Q3 24 | $77.6M | — | ||
| Q2 24 | $77.3M | — | ||
| Q1 24 | $74.4M | — |
自由现金流OPFIRMR
| 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OPFIRMR
| 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OPFIRMR
| 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OPFIRMR
| Q4 25 | 23.82× | 0.88× | ||
| 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
业务分部营收拆解
OPFI
暂无分部数据
RMR
| Management Service Incentive | $23.6M | 35% |
| Industrial Logistics Properties Trust | $15.1M | 23% |
| Managed Private Real Estate Capital | $11.1M | 17% |
| Office Properties Income Trust | $5.6M | 8% |
| Other Private Entities | $5.3M | 8% |
| RMR Residential | $3.4M | 5% |
| Sonesta International Hotels Corporation | $2.1M | 3% |
| Investment Advisory Management And Administrative Service | $1.2M | 2% |
