vs
Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $183.6M, roughly 1.3× ACV Auctions Inc.). On growth, ACV Auctions Inc. posted the faster year-over-year revenue change (15.1% vs -1.3%). Over the past eight quarters, ACV Auctions Inc.'s revenue compounded faster (12.3% CAGR vs -0.5%).
ACV Auctions Inc.ACVAEarnings & Financial Report
ACV Auctions Inc. operates a leading digital wholesale vehicle auction platform serving automotive dealers across the U.S. and Canada. It offers end-to-end services including transparent vehicle inspections, secure payment processing, and logistics support, enabling efficient trading of used vehicles between registered wholesale buyers and sellers.
Oportun Financial Corp is a US-based fintech firm that provides accessible, responsible financial services including personal loans, credit cards, and savings products to underserved low-to-moderate income consumers, many with limited or no credit history, leveraging proprietary AI underwriting to deliver fair terms while mitigating operational risk.
ACVA vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $247.7M |
| Net Profit | — | $3.4M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | 2.6% |
| Net Margin | — | 1.4% |
| Revenue YoY | 15.1% | -1.3% |
| Net Profit YoY | — | -61.0% |
| EPS (diluted) | $-0.12 | $0.07 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $183.6M | $247.7M | ||
| Q3 25 | $199.6M | $238.7M | ||
| Q2 25 | $193.7M | $234.3M | ||
| Q1 25 | $182.7M | $235.9M | ||
| Q4 24 | $159.5M | $250.9M | ||
| Q3 24 | $171.3M | $250.0M | ||
| Q2 24 | $160.6M | $250.4M | ||
| Q1 24 | $145.7M | $250.5M |
| Q4 25 | — | $3.4M | ||
| Q3 25 | $-24.5M | $5.2M | ||
| Q2 25 | $-7.3M | $6.9M | ||
| Q1 25 | $-14.8M | $9.8M | ||
| Q4 24 | — | $8.7M | ||
| Q3 24 | $-16.0M | $-30.0M | ||
| Q2 24 | $-17.1M | $-31.0M | ||
| Q1 24 | $-20.5M | $-26.4M |
| Q4 25 | -9.7% | 2.6% | ||
| Q3 25 | -11.9% | 6.0% | ||
| Q2 25 | -3.7% | 4.3% | ||
| Q1 25 | -7.9% | 5.6% | ||
| Q4 24 | -16.2% | 89.6% | ||
| Q3 24 | -10.0% | -15.8% | ||
| Q2 24 | -11.6% | -19.6% | ||
| Q1 24 | -15.5% | -12.2% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | -12.3% | 2.2% | ||
| Q2 25 | -3.8% | 2.9% | ||
| Q1 25 | -8.1% | 4.1% | ||
| Q4 24 | — | 200.1% | ||
| Q3 24 | -9.4% | -12.0% | ||
| Q2 24 | -10.6% | -12.4% | ||
| Q1 24 | -14.1% | -10.6% |
| Q4 25 | $-0.12 | $0.07 | ||
| Q3 25 | $-0.14 | $0.11 | ||
| Q2 25 | $-0.04 | $0.14 | ||
| Q1 25 | $-0.09 | $0.21 | ||
| Q4 24 | $-0.15 | $0.26 | ||
| Q3 24 | $-0.10 | $-0.75 | ||
| Q2 24 | $-0.10 | $-0.78 | ||
| Q1 24 | $-0.13 | $-0.68 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $271.5M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $429.7M | $390.1M |
| Total Assets | $1.1B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $271.5M | $105.5M | ||
| Q3 25 | $265.3M | $104.6M | ||
| Q2 25 | $258.4M | $96.8M | ||
| Q1 25 | $291.9M | $78.5M | ||
| Q4 24 | $224.1M | $60.0M | ||
| Q3 24 | $252.5M | $71.8M | ||
| Q2 24 | $215.0M | $72.9M | ||
| Q1 24 | $209.8M | $69.2M |
| Q4 25 | $429.7M | $390.1M | ||
| Q3 25 | $434.4M | $383.9M | ||
| Q2 25 | $448.8M | $376.0M | ||
| Q1 25 | $439.6M | $366.1M | ||
| Q4 24 | $440.0M | $353.8M | ||
| Q3 24 | $456.2M | $327.6M | ||
| Q2 24 | $457.6M | $354.1M | ||
| Q1 24 | $458.3M | $382.0M |
| Q4 25 | $1.1B | $3.3B | ||
| Q3 25 | $1.2B | $3.2B | ||
| Q2 25 | $1.1B | $3.2B | ||
| Q1 25 | $1.2B | $3.2B | ||
| Q4 24 | $984.1M | $3.2B | ||
| Q3 24 | $1.0B | $3.3B | ||
| Q2 24 | $1.0B | $3.3B | ||
| Q1 24 | $1.0B | $3.3B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-12.4M | $413.4M |
| Free Cash FlowOCF − Capex | $-14.7M | — |
| FCF MarginFCF / Revenue | -8.0% | — |
| Capex IntensityCapex / Revenue | 1.2% | — |
| Cash ConversionOCF / Net Profit | — | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.4M | $413.4M | ||
| Q3 25 | $10.3M | $99.0M | ||
| Q2 25 | $13.7M | $104.5M | ||
| Q1 25 | $66.6M | $101.0M | ||
| Q4 24 | $-3.2M | $393.5M | ||
| Q3 24 | $21.1M | $108.5M | ||
| Q2 24 | $4.5M | $107.7M | ||
| Q1 24 | $43.0M | $85.9M |
| Q4 25 | $-14.7M | — | ||
| Q3 25 | $7.7M | — | ||
| Q2 25 | $10.9M | — | ||
| Q1 25 | $65.3M | — | ||
| Q4 24 | $-3.9M | — | ||
| Q3 24 | $20.2M | — | ||
| Q2 24 | $2.7M | — | ||
| Q1 24 | $41.9M | — |
| Q4 25 | -8.0% | — | ||
| Q3 25 | 3.8% | — | ||
| Q2 25 | 5.6% | — | ||
| Q1 25 | 35.7% | — | ||
| Q4 24 | -2.5% | — | ||
| Q3 24 | 11.8% | — | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 28.8% | — |
| Q4 25 | 1.2% | — | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 1.1% | — | ||
| Q1 24 | 0.7% | — |
| Q4 25 | — | 121.45× | ||
| Q3 25 | — | 19.05× | ||
| Q2 25 | — | 15.20× | ||
| Q1 25 | — | 10.34× | ||
| Q4 24 | — | 45.04× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACVA
| Auction Marketplace Revenue | $77.6M | 42% |
| Other Marketplace Revenue | $72.4M | 39% |
| Customer Assurance | $24.1M | 13% |
| Data Services Revenue | $9.4M | 5% |
OPRT
Segment breakdown not available.
