vs
Side-by-side financial comparison of APPFOLIO INC (APPF) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
APPFOLIO INC is the larger business by last-quarter revenue ($262.2M vs $247.7M, roughly 1.1× Oportun Financial Corp). APPFOLIO INC runs the higher net margin — 16.2% vs 1.4%, a 14.8% gap on every dollar of revenue. On growth, APPFOLIO INC posted the faster year-over-year revenue change (20.4% vs -1.3%). Over the past eight quarters, APPFOLIO INC's revenue compounded faster (15.3% CAGR vs -0.5%).
AppFolio, Inc. is an American company founded in 2006 that offers software-as-a-service (SaaS) applications and services to the real estate industry.
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.
APPF vs OPRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $262.2M | $247.7M |
| Net Profit | $42.4M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | 19.4% | 2.6% |
| Net Margin | 16.2% | 1.4% |
| Revenue YoY | 20.4% | -1.3% |
| Net Profit YoY | 35.2% | -61.0% |
| EPS (diluted) | $1.18 | $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.
| Q1 26 | $262.2M | — | ||
| Q4 25 | $248.2M | $247.7M | ||
| Q3 25 | $249.4M | $238.7M | ||
| Q2 25 | $235.6M | $234.3M | ||
| Q1 25 | $217.7M | $235.9M | ||
| Q4 24 | $203.7M | $250.9M | ||
| Q3 24 | $205.7M | $250.0M | ||
| Q2 24 | $197.4M | $250.4M |
| Q1 26 | $42.4M | — | ||
| Q4 25 | $39.9M | $3.4M | ||
| Q3 25 | $33.6M | $5.2M | ||
| Q2 25 | $36.0M | $6.9M | ||
| Q1 25 | $31.4M | $9.8M | ||
| Q4 24 | $102.7M | $8.7M | ||
| Q3 24 | $33.0M | $-30.0M | ||
| Q2 24 | $29.7M | $-31.0M |
| Q1 26 | 19.4% | — | ||
| Q4 25 | 17.6% | 2.6% | ||
| Q3 25 | 14.1% | 6.0% | ||
| Q2 25 | 17.2% | 4.3% | ||
| Q1 25 | 15.5% | 5.6% | ||
| Q4 24 | 11.3% | 89.6% | ||
| Q3 24 | 20.7% | -15.8% | ||
| Q2 24 | 18.3% | -19.6% |
| Q1 26 | 16.2% | — | ||
| Q4 25 | 16.1% | 1.4% | ||
| Q3 25 | 13.5% | 2.2% | ||
| Q2 25 | 15.3% | 2.9% | ||
| Q1 25 | 14.4% | 4.1% | ||
| Q4 24 | 50.4% | 200.1% | ||
| Q3 24 | 16.0% | -12.0% | ||
| Q2 24 | 15.0% | -12.4% |
| Q1 26 | $1.18 | — | ||
| Q4 25 | $1.10 | $0.07 | ||
| Q3 25 | $0.93 | $0.11 | ||
| Q2 25 | $0.99 | $0.14 | ||
| Q1 25 | $0.86 | $0.21 | ||
| Q4 24 | $2.79 | $0.26 | ||
| Q3 24 | $0.90 | $-0.75 | ||
| Q2 24 | $0.81 | $-0.78 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $147.4M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $470.2M | $390.1M |
| Total Assets | $580.6M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $147.4M | — | ||
| Q4 25 | $107.0M | $105.5M | ||
| Q3 25 | $76.1M | $104.6M | ||
| Q2 25 | $73.5M | $96.8M | ||
| Q1 25 | $56.9M | $78.5M | ||
| Q4 24 | $42.5M | $60.0M | ||
| Q3 24 | $62.4M | $71.8M | ||
| Q2 24 | $59.6M | $72.9M |
| Q1 26 | $470.2M | — | ||
| Q4 25 | $542.6M | $390.1M | ||
| Q3 25 | $498.9M | $383.9M | ||
| Q2 25 | $455.6M | $376.0M | ||
| Q1 25 | $462.1M | $366.1M | ||
| Q4 24 | $519.3M | $353.8M | ||
| Q3 24 | $412.8M | $327.6M | ||
| Q2 24 | $371.4M | $354.1M |
| Q1 26 | $580.6M | — | ||
| Q4 25 | $689.0M | $3.3B | ||
| Q3 25 | $640.5M | $3.2B | ||
| Q2 25 | $567.4M | $3.2B | ||
| Q1 25 | $564.7M | $3.2B | ||
| Q4 24 | $626.7M | $3.2B | ||
| Q3 24 | $523.3M | $3.3B | ||
| Q2 24 | $479.3M | $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 | $34.3M | $413.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 0.81× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $34.3M | — | ||
| Q4 25 | $65.0M | $413.4M | ||
| Q3 25 | $86.0M | $99.0M | ||
| Q2 25 | $52.6M | $104.5M | ||
| Q1 25 | $38.5M | $101.0M | ||
| Q4 24 | $36.6M | $393.5M | ||
| Q3 24 | $57.8M | $108.5M | ||
| Q2 24 | $50.9M | $107.7M |
| Q1 26 | — | — | ||
| Q4 25 | $63.7M | — | ||
| Q3 25 | $84.7M | — | ||
| Q2 25 | $52.4M | — | ||
| Q1 25 | $38.2M | — | ||
| Q4 24 | $36.4M | — | ||
| Q3 24 | $57.4M | — | ||
| Q2 24 | $50.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | 25.7% | — | ||
| Q3 25 | 34.0% | — | ||
| Q2 25 | 22.2% | — | ||
| Q1 25 | 17.6% | — | ||
| Q4 24 | 17.9% | — | ||
| Q3 24 | 27.9% | — | ||
| Q2 24 | 25.8% | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.0% | — |
| Q1 26 | 0.81× | — | ||
| Q4 25 | 1.63× | 121.45× | ||
| Q3 25 | 2.56× | 19.05× | ||
| Q2 25 | 1.46× | 15.20× | ||
| Q1 25 | 1.23× | 10.34× | ||
| Q4 24 | 0.36× | 45.04× | ||
| Q3 24 | 1.75× | — | ||
| Q2 24 | 1.71× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
APPF
| Value Added Services | $201.4M | 77% |
| Subscription Services | $58.2M | 22% |
OPRT
Segment breakdown not available.
