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Side-by-side financial comparison of AMERICAN STATES WATER CO (AWR) 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 $164.3M, roughly 1.5× AMERICAN STATES WATER CO). AMERICAN STATES WATER CO runs the higher net margin — 17.5% vs 1.4%, a 16.1% gap on every dollar of revenue. On growth, AMERICAN STATES WATER CO posted the faster year-over-year revenue change (14.8% vs -1.3%). Over the past eight quarters, AMERICAN STATES WATER CO's revenue compounded faster (10.2% CAGR vs -0.5%).
American Water is an American public utility company that, through its subsidiaries, provides water and wastewater services in the United States.
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.
AWR vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $164.3M | $247.7M |
| Net Profit | $28.7M | $3.4M |
| Gross Margin | 88.9% | — |
| Operating Margin | 27.4% | 2.6% |
| Net Margin | 17.5% | 1.4% |
| Revenue YoY | 14.8% | -1.3% |
| Net Profit YoY | 1.1% | -61.0% |
| EPS (diluted) | $0.74 | $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 | $164.3M | $247.7M | ||
| Q3 25 | $182.7M | $238.7M | ||
| Q2 25 | $163.1M | $234.3M | ||
| Q1 25 | $148.0M | $235.9M | ||
| Q4 24 | $143.1M | $250.9M | ||
| Q3 24 | $161.8M | $250.0M | ||
| Q2 24 | $155.3M | $250.4M | ||
| Q1 24 | $135.3M | $250.5M |
| Q4 25 | $28.7M | $3.4M | ||
| Q3 25 | $41.2M | $5.2M | ||
| Q2 25 | $33.7M | $6.9M | ||
| Q1 25 | $26.8M | $9.8M | ||
| Q4 24 | $28.4M | $8.7M | ||
| Q3 24 | $35.8M | $-30.0M | ||
| Q2 24 | $31.9M | $-31.0M | ||
| Q1 24 | $23.1M | $-26.4M |
| Q4 25 | 88.9% | — | ||
| Q3 25 | 91.0% | — | ||
| Q2 25 | 92.1% | — | ||
| Q1 25 | 91.3% | — | ||
| Q4 24 | 92.4% | — | ||
| Q3 24 | 92.7% | — | ||
| Q2 24 | 89.6% | — | ||
| Q1 24 | 88.4% | — |
| Q4 25 | 27.4% | 2.6% | ||
| Q3 25 | 33.8% | 6.0% | ||
| Q2 25 | 31.3% | 4.3% | ||
| Q1 25 | 30.8% | 5.6% | ||
| Q4 24 | 27.0% | 89.6% | ||
| Q3 24 | 34.0% | -15.8% | ||
| Q2 24 | 33.3% | -19.6% | ||
| Q1 24 | 28.8% | -12.2% |
| Q4 25 | 17.5% | 1.4% | ||
| Q3 25 | 22.5% | 2.2% | ||
| Q2 25 | 20.7% | 2.9% | ||
| Q1 25 | 18.1% | 4.1% | ||
| Q4 24 | 19.9% | 200.1% | ||
| Q3 24 | 22.1% | -12.0% | ||
| Q2 24 | 20.5% | -12.4% | ||
| Q1 24 | 17.1% | -10.6% |
| Q4 25 | $0.74 | $0.07 | ||
| Q3 25 | $1.06 | $0.11 | ||
| Q2 25 | $0.87 | $0.14 | ||
| Q1 25 | $0.70 | $0.21 | ||
| Q4 24 | $0.75 | $0.26 | ||
| Q3 24 | $0.95 | $-0.75 | ||
| Q2 24 | $0.85 | $-0.78 | ||
| Q1 24 | $0.62 | $-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 | $18.8M | $105.5M |
| Total DebtLower is stronger | $782.7M | — |
| Stockholders' EquityBook value | $1.0B | $390.1M |
| Total Assets | $2.7B | $3.3B |
| Debt / EquityLower = less leverage | 0.75× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.8M | $105.5M | ||
| Q3 25 | $26.1M | $104.6M | ||
| Q2 25 | $20.2M | $96.8M | ||
| Q1 25 | $21.2M | $78.5M | ||
| Q4 24 | $26.7M | $60.0M | ||
| Q3 24 | $16.5M | $71.8M | ||
| Q2 24 | $3.6M | $72.9M | ||
| Q1 24 | $17.0M | $69.2M |
| Q4 25 | $782.7M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $640.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.0B | $390.1M | ||
| Q3 25 | $1.0B | $383.9M | ||
| Q2 25 | $972.5M | $376.0M | ||
| Q1 25 | $956.4M | $366.1M | ||
| Q4 24 | $920.1M | $353.8M | ||
| Q3 24 | $879.5M | $327.6M | ||
| Q2 24 | $833.5M | $354.1M | ||
| Q1 24 | $800.5M | $382.0M |
| Q4 25 | $2.7B | $3.3B | ||
| Q3 25 | $2.7B | $3.2B | ||
| Q2 25 | $2.6B | $3.2B | ||
| Q1 25 | $2.5B | $3.2B | ||
| Q4 24 | $2.5B | $3.2B | ||
| Q3 24 | $2.4B | $3.3B | ||
| Q2 24 | $2.3B | $3.3B | ||
| Q1 24 | $2.3B | $3.3B |
| Q4 25 | 0.75× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.70× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $27.7M | $413.4M |
| Free Cash FlowOCF − Capex | $-36.0M | — |
| FCF MarginFCF / Revenue | -21.9% | — |
| Capex IntensityCapex / Revenue | 38.8% | — |
| Cash ConversionOCF / Net Profit | 0.96× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $-7.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.7M | $413.4M | ||
| Q3 25 | $92.4M | $99.0M | ||
| Q2 25 | $64.6M | $104.5M | ||
| Q1 25 | $45.1M | $101.0M | ||
| Q4 24 | $64.5M | $393.5M | ||
| Q3 24 | $63.7M | $108.5M | ||
| Q2 24 | $24.7M | $107.7M | ||
| Q1 24 | $45.8M | $85.9M |
| Q4 25 | $-36.0M | — | ||
| Q3 25 | $37.7M | — | ||
| Q2 25 | $13.7M | — | ||
| Q1 25 | $-22.5M | — | ||
| Q4 24 | $6.0M | — | ||
| Q3 24 | $-478.0K | — | ||
| Q2 24 | $-37.0M | — | ||
| Q1 24 | $-1.7M | — |
| Q4 25 | -21.9% | — | ||
| Q3 25 | 20.7% | — | ||
| Q2 25 | 8.4% | — | ||
| Q1 25 | -15.2% | — | ||
| Q4 24 | 4.2% | — | ||
| Q3 24 | -0.3% | — | ||
| Q2 24 | -23.8% | — | ||
| Q1 24 | -1.3% | — |
| Q4 25 | 38.8% | — | ||
| Q3 25 | 29.9% | — | ||
| Q2 25 | 31.2% | — | ||
| Q1 25 | 45.6% | — | ||
| Q4 24 | 40.9% | — | ||
| Q3 24 | 39.7% | — | ||
| Q2 24 | 39.8% | — | ||
| Q1 24 | 35.2% | — |
| Q4 25 | 0.96× | 121.45× | ||
| Q3 25 | 2.24× | 19.05× | ||
| Q2 25 | 1.92× | 15.20× | ||
| Q1 25 | 1.68× | 10.34× | ||
| Q4 24 | 2.27× | 45.04× | ||
| Q3 24 | 1.78× | — | ||
| Q2 24 | 0.78× | — | ||
| Q1 24 | 1.98× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AWR
| Water Service Utility Operations | $110.0M | 67% |
| Public Utilities Inventory Water | $22.3M | 14% |
| Wastewater | $15.9M | 10% |
| Electric Service Utility Operations | $15.2M | 9% |
OPRT
Segment breakdown not available.
