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OppFi Inc.（OPFI）与Ranger Energy Services, Inc.（RNGR）财务数据对比。点击上方公司名可切换其他公司
Ranger Energy Services, Inc.的季度营收约是OppFi Inc.的1.7倍（$142.2M vs $85.6M），OppFi Inc.净利率更高（19.7% vs 2.3%，领先17.4%），OppFi Inc.同比增速更快（5.9% vs -0.6%），OppFi Inc.自由现金流更多（$382.2M vs $17.1M），过去两年OppFi Inc.的营收复合增速更高（16.3% vs 1.9%）
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。
Ranger Energy Services是北美领先的陆上油田服务提供商，为上游油气运营商提供完井、修井、钻机作业及产能优化等全套解决方案，业务主要覆盖美国本土的页岩和致密资源开采作业区。
OPFI vs RNGR — 直观对比
营收规模更大
RNGR
是对方的1.7倍
$85.6M
营收增速更快
OPFI
高出6.5%
-0.6%
净利率更高
OPFI
高出17.4%
2.3%
自由现金流更多
OPFI
多$365.1M
$17.1M
两年增速更快
OPFI
近两年复合增速
1.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $142.2M |
| 净利润 | $16.8M | $3.2M |
| 毛利率 | — | — |
| 营业利润率 | 36.1% | 2.3% |
| 净利率 | 19.7% | 2.3% |
| 营收同比 | 5.9% | -0.6% |
| 净利润同比 | 400.3% | -44.8% |
| 每股收益（稀释后） | $1.48 | $0.14 |
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OPFIRNGR
| Q4 25 | $85.6M | $142.2M | ||
| Q3 25 | $104.6M | $128.9M | ||
| Q2 25 | $100.2M | $140.6M | ||
| Q1 25 | $90.8M | $135.2M | ||
| Q4 24 | $80.8M | $143.1M | ||
| Q3 24 | $91.2M | $153.0M | ||
| Q2 24 | $86.3M | $138.1M | ||
| Q1 24 | $63.2M | $136.9M |
净利润OPFIRNGR
| Q4 25 | $16.8M | $3.2M | ||
| Q3 25 | $41.6M | $1.2M | ||
| Q2 25 | $-20.8M | $7.3M | ||
| Q1 25 | $-11.4M | $600.0K | ||
| Q4 24 | $-5.6M | $5.8M | ||
| Q3 24 | $4.3M | $8.7M | ||
| Q2 24 | $3.1M | $4.7M | ||
| Q1 24 | $5.5M | $-800.0K |
营业利润率OPFIRNGR
| Q4 25 | 36.1% | 2.3% | ||
| Q3 25 | 46.3% | 2.0% | ||
| Q2 25 | 44.7% | 6.1% | ||
| Q1 25 | 46.8% | 0.7% | ||
| Q4 24 | 30.5% | 6.2% | ||
| Q3 24 | 38.5% | 8.4% | ||
| Q2 24 | 34.2% | 5.3% | ||
| Q1 24 | 8.4% | -0.4% |
净利率OPFIRNGR
| Q4 25 | 19.7% | 2.3% | ||
| Q3 25 | 39.8% | 0.9% | ||
| Q2 25 | -20.7% | 5.2% | ||
| Q1 25 | -12.5% | 0.4% | ||
| Q4 24 | -6.9% | 4.1% | ||
| Q3 24 | 4.7% | 5.7% | ||
| Q2 24 | 3.6% | 3.4% | ||
| Q1 24 | 8.8% | -0.6% |
每股收益（稀释后）OPFIRNGR
| Q4 25 | $1.48 | $0.14 | ||
| Q3 25 | $0.77 | $0.05 | ||
| Q2 25 | $-0.78 | $0.32 | ||
| Q1 25 | $-0.48 | $0.03 | ||
| Q4 24 | $-0.11 | $0.24 | ||
| Q3 24 | $0.21 | $0.39 | ||
| Q2 24 | $0.16 | $0.21 | ||
| Q1 24 | $0.10 | $-0.03 |
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 | $10.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $58.5M | $300.1M |
| 总资产 | $754.1M | $419.3M |
| 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OPFIRNGR
| Q4 25 | $49.5M | $10.3M | ||
| Q3 25 | $45.5M | $45.2M | ||
| Q2 25 | $45.2M | $48.9M | ||
| Q1 25 | $58.0M | $40.3M | ||
| Q4 24 | $61.3M | $40.9M | ||
| Q3 24 | $44.8M | $14.8M | ||
| Q2 24 | $46.6M | $8.7M | ||
| Q1 24 | $47.2M | $11.1M |
总债务OPFIRNGR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益OPFIRNGR
| Q4 25 | $58.5M | $300.1M | ||
| Q3 25 | $49.4M | $270.0M | ||
| Q2 25 | $13.4M | $276.9M | ||
| Q1 25 | $22.6M | $272.6M | ||
| Q4 24 | $32.8M | $273.8M | ||
| Q3 24 | $34.9M | $267.6M | ||
| Q2 24 | $18.6M | $260.5M | ||
| Q1 24 | $18.2M | $261.7M |
总资产OPFIRNGR
| Q4 25 | $754.1M | $419.3M | ||
| Q3 25 | $720.6M | $372.8M | ||
| Q2 25 | $673.4M | $381.7M | ||
| Q1 25 | $640.1M | $376.5M | ||
| Q4 24 | $641.2M | $381.6M | ||
| Q3 24 | $619.3M | $373.9M | ||
| Q2 24 | $573.1M | $359.6M | ||
| Q1 24 | $563.2M | $355.5M |
负债/权益比OPFIRNGR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.00× |
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 | $24.1M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $17.1M |
| 自由现金流率自由现金流/营收 | 446.6% | 12.0% |
| 资本支出强度资本支出/营收 | 22.3% | 4.9% |
| 现金转化率经营现金流/净利润 | 23.82× | 7.53× |
| 过去12个月自由现金流最近4个季度 | $652.5M | $42.9M |
8季度趋势，按日历期对齐
经营现金流OPFIRNGR
| Q4 25 | $401.3M | $24.1M | ||
| Q3 25 | $105.1M | $13.6M | ||
| Q2 25 | $95.6M | $20.7M | ||
| Q1 25 | $83.7M | $10.6M | ||
| Q4 24 | $323.8M | $32.7M | ||
| Q3 24 | $77.6M | $17.7M | ||
| Q2 24 | $77.3M | $22.1M | ||
| Q1 24 | $74.4M | $12.0M |
自由现金流OPFIRNGR
| Q4 25 | $382.2M | $17.1M | ||
| Q3 25 | $99.9M | $8.0M | ||
| Q2 25 | $91.0M | $14.4M | ||
| Q1 25 | $79.3M | $3.4M | ||
| Q4 24 | $310.8M | $27.3M | ||
| Q3 24 | $73.7M | $10.8M | ||
| Q2 24 | $74.7M | $6.8M | ||
| Q1 24 | $72.3M | $5.5M |
自由现金流率OPFIRNGR
| Q4 25 | 446.6% | 12.0% | ||
| Q3 25 | 95.6% | 6.2% | ||
| Q2 25 | 90.8% | 10.2% | ||
| Q1 25 | 87.4% | 2.5% | ||
| Q4 24 | 384.6% | 19.1% | ||
| Q3 24 | 80.8% | 7.1% | ||
| Q2 24 | 86.6% | 4.9% | ||
| Q1 24 | 114.4% | 4.0% |
资本支出强度OPFIRNGR
| Q4 25 | 22.3% | 4.9% | ||
| Q3 25 | 5.0% | 4.3% | ||
| Q2 25 | 4.6% | 4.5% | ||
| Q1 25 | 4.8% | 5.3% | ||
| Q4 24 | 16.1% | 3.8% | ||
| Q3 24 | 4.3% | 4.5% | ||
| Q2 24 | 3.0% | 11.1% | ||
| Q1 24 | 3.4% | 4.7% |
现金转化率OPFIRNGR
| Q4 25 | 23.82× | 7.53× | ||
| Q3 25 | 2.52× | 11.33× | ||
| Q2 25 | — | 2.84× | ||
| Q1 25 | — | 17.67× | ||
| Q4 24 | — | 5.64× | ||
| Q3 24 | 18.19× | 2.03× | ||
| Q2 24 | 25.21× | 4.70× | ||
| 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
RNGR
| High Specification Rigs | $92.3M | 65% |
| Processing Solutions And Ancillary Services | $37.5M | 26% |
| Wireline Services | $12.4M | 9% |
