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Side-by-side financial comparison of ARMSTRONG WORLD INDUSTRIES INC (AWI) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
ARMSTRONG WORLD INDUSTRIES INC is the larger business by last-quarter revenue ($388.3M vs $247.7M, roughly 1.6× Oportun Financial Corp). ARMSTRONG WORLD INDUSTRIES INC runs the higher net margin — 16.9% vs 1.4%, a 15.5% gap on every dollar of revenue. On growth, ARMSTRONG WORLD INDUSTRIES INC posted the faster year-over-year revenue change (5.6% vs -1.3%). Over the past eight quarters, ARMSTRONG WORLD INDUSTRIES INC's revenue compounded faster (9.1% CAGR vs -0.5%).
Armstrong World Industries, Inc. is an international designer and manufacturer of wall and ceiling building materials based in Lancaster, Pennsylvania. As of 2014, AWI had 3,100 employees and a global manufacturing network of 17 facilities, down from 26, including nine plants dedicated to its WAVE joint venture, in 2012.
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.
AWI vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $388.3M | $247.7M |
| Net Profit | $65.5M | $3.4M |
| Gross Margin | 39.8% | — |
| Operating Margin | 23.7% | 2.6% |
| Net Margin | 16.9% | 1.4% |
| Revenue YoY | 5.6% | -1.3% |
| Net Profit YoY | 5.3% | -61.0% |
| EPS (diluted) | $1.51 | $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 | $388.3M | $247.7M | ||
| Q3 25 | $425.2M | $238.7M | ||
| Q2 25 | $424.6M | $234.3M | ||
| Q1 25 | $382.7M | $235.9M | ||
| Q4 24 | $367.7M | $250.9M | ||
| Q3 24 | $386.6M | $250.0M | ||
| Q2 24 | $365.1M | $250.4M | ||
| Q1 24 | $326.3M | $250.5M |
| Q4 25 | $65.5M | $3.4M | ||
| Q3 25 | $86.3M | $5.2M | ||
| Q2 25 | $87.8M | $6.9M | ||
| Q1 25 | $69.1M | $9.8M | ||
| Q4 24 | $62.2M | $8.7M | ||
| Q3 24 | $76.9M | $-30.0M | ||
| Q2 24 | $65.9M | $-31.0M | ||
| Q1 24 | $59.9M | $-26.4M |
| Q4 25 | 39.8% | — | ||
| Q3 25 | 42.0% | — | ||
| Q2 25 | 41.4% | — | ||
| Q1 25 | 39.2% | — | ||
| Q4 24 | 39.1% | — | ||
| Q3 24 | 42.4% | — | ||
| Q2 24 | 40.9% | — | ||
| Q1 24 | 38.1% | — |
| Q4 25 | 23.7% | 2.6% | ||
| Q3 25 | 27.6% | 6.0% | ||
| Q2 25 | 29.0% | 4.3% | ||
| Q1 25 | 25.7% | 5.6% | ||
| Q4 24 | 22.3% | 89.6% | ||
| Q3 24 | 28.8% | -15.8% | ||
| Q2 24 | 26.0% | -19.6% | ||
| Q1 24 | 26.4% | -12.2% |
| Q4 25 | 16.9% | 1.4% | ||
| Q3 25 | 20.3% | 2.2% | ||
| Q2 25 | 20.7% | 2.9% | ||
| Q1 25 | 18.1% | 4.1% | ||
| Q4 24 | 16.9% | 200.1% | ||
| Q3 24 | 19.9% | -12.0% | ||
| Q2 24 | 18.0% | -12.4% | ||
| Q1 24 | 18.4% | -10.6% |
| Q4 25 | $1.51 | $0.07 | ||
| Q3 25 | $1.98 | $0.11 | ||
| Q2 25 | $2.01 | $0.14 | ||
| Q1 25 | $1.58 | $0.21 | ||
| Q4 24 | $1.41 | $0.26 | ||
| Q3 24 | $1.75 | $-0.75 | ||
| Q2 24 | $1.50 | $-0.78 | ||
| Q1 24 | $1.36 | $-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 | $112.7M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $900.7M | $390.1M |
| Total Assets | $1.9B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $112.7M | $105.5M | ||
| Q3 25 | $90.1M | $104.6M | ||
| Q2 25 | $81.1M | $96.8M | ||
| Q1 25 | $82.8M | $78.5M | ||
| Q4 24 | $79.3M | $60.0M | ||
| Q3 24 | $73.7M | $71.8M | ||
| Q2 24 | $73.6M | $72.9M | ||
| Q1 24 | $69.6M | $69.2M |
| Q4 25 | $900.7M | $390.1M | ||
| Q3 25 | $889.2M | $383.9M | ||
| Q2 25 | $837.8M | $376.0M | ||
| Q1 25 | $793.4M | $366.1M | ||
| Q4 24 | $757.1M | $353.8M | ||
| Q3 24 | $717.0M | $327.6M | ||
| Q2 24 | $669.0M | $354.1M | ||
| Q1 24 | $626.8M | $382.0M |
| Q4 25 | $1.9B | $3.3B | ||
| Q3 25 | $1.9B | $3.2B | ||
| Q2 25 | $1.9B | $3.2B | ||
| Q1 25 | $1.9B | $3.2B | ||
| Q4 24 | $1.8B | $3.2B | ||
| Q3 24 | $1.8B | $3.3B | ||
| Q2 24 | $1.8B | $3.3B | ||
| Q1 24 | $1.7B | $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 | $110.0M | $413.4M |
| Free Cash FlowOCF − Capex | $62.2M | — |
| FCF MarginFCF / Revenue | 16.0% | — |
| Capex IntensityCapex / Revenue | 12.3% | — |
| Cash ConversionOCF / Net Profit | 1.68× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $246.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $110.0M | $413.4M | ||
| Q3 25 | $122.9M | $99.0M | ||
| Q2 25 | $81.6M | $104.5M | ||
| Q1 25 | $41.0M | $101.0M | ||
| Q4 24 | $86.6M | $393.5M | ||
| Q3 24 | $96.5M | $108.5M | ||
| Q2 24 | $57.3M | $107.7M | ||
| Q1 24 | $26.4M | $85.9M |
| Q4 25 | $62.2M | — | ||
| Q3 25 | $100.3M | — | ||
| Q2 25 | $61.7M | — | ||
| Q1 25 | $21.9M | — | ||
| Q4 24 | $57.8M | — | ||
| Q3 24 | $77.1M | — | ||
| Q2 24 | $37.4M | — | ||
| Q1 24 | $11.7M | — |
| Q4 25 | 16.0% | — | ||
| Q3 25 | 23.6% | — | ||
| Q2 25 | 14.5% | — | ||
| Q1 25 | 5.7% | — | ||
| Q4 24 | 15.7% | — | ||
| Q3 24 | 19.9% | — | ||
| Q2 24 | 10.2% | — | ||
| Q1 24 | 3.6% | — |
| Q4 25 | 12.3% | — | ||
| Q3 25 | 5.3% | — | ||
| Q2 25 | 4.7% | — | ||
| Q1 25 | 5.0% | — | ||
| Q4 24 | 7.8% | — | ||
| Q3 24 | 5.0% | — | ||
| Q2 24 | 5.5% | — | ||
| Q1 24 | 4.5% | — |
| Q4 25 | 1.68× | 121.45× | ||
| Q3 25 | 1.42× | 19.05× | ||
| Q2 25 | 0.93× | 15.20× | ||
| Q1 25 | 0.59× | 10.34× | ||
| Q4 24 | 1.39× | 45.04× | ||
| Q3 24 | 1.25× | — | ||
| Q2 24 | 0.87× | — | ||
| Q1 24 | 0.44× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AWI
| Distributors | $183.0M | 47% |
| Architectural Specialties | $143.7M | 37% |
| Home Centers | $27.2M | 7% |
| Retailers And Other | $21.7M | 6% |
| Direct Customers | $12.7M | 3% |
OPRT
Segment breakdown not available.
