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OppFi Inc.（OPFI）与Repay Holdings Corp（RPAY）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Repay Holdings Corp的1.1倍（$85.6M vs $78.6M），OppFi Inc.净利率更高（19.7% vs -178.3%，领先198.0%），OppFi Inc.同比增速更快（5.9% vs 0.4%），OppFi Inc.自由现金流更多（$382.2M vs $23.2M），过去两年OppFi Inc.的营收复合增速更高（16.3% vs -1.3%）
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。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
OPFI vs RPAY — 直观对比
营收规模更大
OPFI
是对方的1.1倍
$78.6M
营收增速更快
OPFI
高出5.5%
0.4%
净利率更高
OPFI
高出198.0%
-178.3%
自由现金流更多
OPFI
多$359.0M
$23.2M
两年增速更快
OPFI
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.6M | $78.6M |
| 净利润 | $16.8M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 36.1% | -182.2% |
| 净利率 | 19.7% | -178.3% |
| 营收同比 | 5.9% | 0.4% |
| 净利润同比 | 400.3% | -3304.1% |
| 每股收益（稀释后） | $1.48 | $-1.68 |
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OPFIRPAY
| Q4 25 | $85.6M | $78.6M | ||
| Q3 25 | $104.6M | $77.7M | ||
| Q2 25 | $100.2M | $75.6M | ||
| Q1 25 | $90.8M | $77.3M | ||
| Q4 24 | $80.8M | $78.3M | ||
| Q3 24 | $91.2M | $79.1M | ||
| Q2 24 | $86.3M | $74.9M | ||
| Q1 24 | $63.2M | $80.7M |
净利润OPFIRPAY
| Q4 25 | $16.8M | $-140.1M | ||
| Q3 25 | $41.6M | $-6.4M | ||
| Q2 25 | $-20.8M | $-102.3M | ||
| Q1 25 | $-11.4M | $-7.9M | ||
| Q4 24 | $-5.6M | $-4.1M | ||
| Q3 24 | $4.3M | $3.2M | ||
| Q2 24 | $3.1M | $-4.1M | ||
| Q1 24 | $5.5M | $-5.2M |
毛利率OPFIRPAY
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
营业利润率OPFIRPAY
| Q4 25 | 36.1% | -182.2% | ||
| Q3 25 | 46.3% | -3.9% | ||
| Q2 25 | 44.7% | -138.7% | ||
| Q1 25 | 46.8% | -4.7% | ||
| Q4 24 | 30.5% | -1.5% | ||
| Q3 24 | 38.5% | -0.9% | ||
| Q2 24 | 34.2% | -4.6% | ||
| Q1 24 | 8.4% | -3.1% |
净利率OPFIRPAY
| Q4 25 | 19.7% | -178.3% | ||
| Q3 25 | 39.8% | -8.3% | ||
| Q2 25 | -20.7% | -135.2% | ||
| Q1 25 | -12.5% | -10.3% | ||
| Q4 24 | -6.9% | -5.3% | ||
| Q3 24 | 4.7% | 4.1% | ||
| Q2 24 | 3.6% | -5.4% | ||
| Q1 24 | 8.8% | -6.5% |
每股收益（稀释后）OPFIRPAY
| Q4 25 | $1.48 | $-1.68 | ||
| Q3 25 | $0.77 | $-0.08 | ||
| Q2 25 | $-0.78 | $-1.15 | ||
| Q1 25 | $-0.48 | $-0.09 | ||
| Q4 24 | $-0.11 | $-0.04 | ||
| Q3 24 | $0.21 | $0.03 | ||
| Q2 24 | $0.16 | $-0.04 | ||
| Q1 24 | $0.10 | $-0.06 |
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 | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $58.5M | $484.4M |
| 总资产 | $754.1M | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资OPFIRPAY
| Q4 25 | $49.5M | $115.7M | ||
| Q3 25 | $45.5M | $95.7M | ||
| Q2 25 | $45.2M | $162.6M | ||
| Q1 25 | $58.0M | $165.5M | ||
| Q4 24 | $61.3M | $189.5M | ||
| Q3 24 | $44.8M | $168.7M | ||
| Q2 24 | $46.6M | $147.1M | ||
| Q1 24 | $47.2M | $128.3M |
总债务OPFIRPAY
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
股东权益OPFIRPAY
| Q4 25 | $58.5M | $484.4M | ||
| Q3 25 | $49.4M | $616.9M | ||
| Q2 25 | $13.4M | $633.7M | ||
| Q1 25 | $22.6M | $755.7M | ||
| Q4 24 | $32.8M | $761.3M | ||
| Q3 24 | $34.9M | $754.7M | ||
| Q2 24 | $18.6M | $815.4M | ||
| Q1 24 | $18.2M | $813.8M |
总资产OPFIRPAY
| Q4 25 | $754.1M | $1.2B | ||
| Q3 25 | $720.6M | $1.3B | ||
| Q2 25 | $673.4M | $1.4B | ||
| Q1 25 | $640.1M | $1.5B | ||
| Q4 24 | $641.2M | $1.6B | ||
| Q3 24 | $619.3M | $1.6B | ||
| Q2 24 | $573.1M | $1.5B | ||
| Q1 24 | $563.2M | $1.5B |
负债/权益比OPFIRPAY
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $382.2M | $23.2M |
| 自由现金流率自由现金流/营收 | 446.6% | 29.6% |
| 资本支出强度资本支出/营收 | 22.3% | 0.1% |
| 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 | $90.7M |
8季度趋势，按日历期对齐
经营现金流OPFIRPAY
| Q4 25 | $401.3M | $23.3M | ||
| Q3 25 | $105.1M | $32.2M | ||
| Q2 25 | $95.6M | $33.1M | ||
| Q1 25 | $83.7M | $2.5M | ||
| Q4 24 | $323.8M | $34.3M | ||
| Q3 24 | $77.6M | $60.1M | ||
| Q2 24 | $77.3M | $31.0M | ||
| Q1 24 | $74.4M | $24.8M |
自由现金流OPFIRPAY
| Q4 25 | $382.2M | $23.2M | ||
| Q3 25 | $99.9M | $32.1M | ||
| Q2 25 | $91.0M | $33.0M | ||
| Q1 25 | $79.3M | $2.4M | ||
| Q4 24 | $310.8M | $34.0M | ||
| Q3 24 | $73.7M | $59.8M | ||
| Q2 24 | $74.7M | $30.5M | ||
| Q1 24 | $72.3M | $24.7M |
自由现金流率OPFIRPAY
| Q4 25 | 446.6% | 29.6% | ||
| Q3 25 | 95.6% | 41.3% | ||
| Q2 25 | 90.8% | 43.6% | ||
| Q1 25 | 87.4% | 3.0% | ||
| Q4 24 | 384.6% | 43.5% | ||
| Q3 24 | 80.8% | 75.6% | ||
| Q2 24 | 86.6% | 40.7% | ||
| Q1 24 | 114.4% | 30.6% |
资本支出强度OPFIRPAY
| Q4 25 | 22.3% | 0.1% | ||
| Q3 25 | 5.0% | 0.2% | ||
| Q2 25 | 4.6% | 0.1% | ||
| Q1 25 | 4.8% | 0.2% | ||
| Q4 24 | 16.1% | 0.3% | ||
| Q3 24 | 4.3% | 0.3% | ||
| Q2 24 | 3.0% | 0.6% | ||
| Q1 24 | 3.4% | 0.1% |
现金转化率OPFIRPAY
| Q4 25 | 23.82× | — | ||
| Q3 25 | 2.52× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 18.19× | 18.52× | ||
| 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
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
