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Side-by-side financial comparison of Bandwidth Inc. (BAND) 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 $208.8M, roughly 1.2× Bandwidth Inc.). Bandwidth Inc. runs the higher net margin — 1.9% vs 1.4%, a 0.5% gap on every dollar of revenue. On growth, Bandwidth Inc. posted the faster year-over-year revenue change (20.1% vs -1.3%). Over the past eight quarters, Bandwidth Inc.'s revenue compounded faster (9.7% CAGR vs -0.5%).
Bandwidth Inc. is a communications platform as a service company. It sells software application programming interfaces for voice, text messaging and emergency services, using its own global IP voice network.
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.
BAND vs OPRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $208.8M | $247.7M |
| Net Profit | $4.0M | $3.4M |
| Gross Margin | 37.3% | — |
| Operating Margin | 60.5% | 2.6% |
| Net Margin | 1.9% | 1.4% |
| Revenue YoY | 20.1% | -1.3% |
| Net Profit YoY | 200.0% | -61.0% |
| EPS (diluted) | $-0.08 | $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 | $208.8M | — | ||
| Q4 25 | $207.7M | $247.7M | ||
| Q3 25 | $191.9M | $238.7M | ||
| Q2 25 | $180.0M | $234.3M | ||
| Q1 25 | $174.2M | $235.9M | ||
| Q4 24 | $210.0M | $250.9M | ||
| Q3 24 | $193.9M | $250.0M | ||
| Q2 24 | $173.6M | $250.4M |
| Q1 26 | $4.0M | — | ||
| Q4 25 | — | $3.4M | ||
| Q3 25 | $-1.2M | $5.2M | ||
| Q2 25 | $-4.9M | $6.9M | ||
| Q1 25 | $-3.7M | $9.8M | ||
| Q4 24 | — | $8.7M | ||
| Q3 24 | $413.0K | $-30.0M | ||
| Q2 24 | $4.1M | $-31.0M |
| Q1 26 | 37.3% | — | ||
| Q4 25 | 37.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 39.8% | — | ||
| Q1 25 | 41.0% | — | ||
| Q4 24 | 36.4% | — | ||
| Q3 24 | 37.7% | — | ||
| Q2 24 | 37.3% | — |
| Q1 26 | 60.5% | — | ||
| Q4 25 | -1.9% | 2.6% | ||
| Q3 25 | -1.0% | 6.0% | ||
| Q2 25 | -2.1% | 4.3% | ||
| Q1 25 | -2.7% | 5.6% | ||
| Q4 24 | -1.3% | 89.6% | ||
| Q3 24 | -0.5% | -15.8% | ||
| Q2 24 | -3.5% | -19.6% |
| Q1 26 | 1.9% | — | ||
| Q4 25 | — | 1.4% | ||
| Q3 25 | -0.6% | 2.2% | ||
| Q2 25 | -2.7% | 2.9% | ||
| Q1 25 | -2.1% | 4.1% | ||
| Q4 24 | — | 200.1% | ||
| Q3 24 | 0.2% | -12.0% | ||
| Q2 24 | 2.3% | -12.4% |
| Q1 26 | $-0.08 | — | ||
| Q4 25 | $-0.10 | $0.07 | ||
| Q3 25 | $-0.04 | $0.11 | ||
| Q2 25 | $-0.16 | $0.14 | ||
| Q1 25 | $-0.13 | $0.21 | ||
| Q4 24 | $0.27 | $0.26 | ||
| Q3 24 | $0.01 | $-0.75 | ||
| Q2 24 | $-0.17 | $-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 | $47.3M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $405.7M | $390.1M |
| Total Assets | $984.2M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $47.3M | — | ||
| Q4 25 | $111.3M | $105.5M | ||
| Q3 25 | $80.4M | $104.6M | ||
| Q2 25 | $68.1M | $96.8M | ||
| Q1 25 | $41.7M | $78.5M | ||
| Q4 24 | $83.8M | $60.0M | ||
| Q3 24 | $79.9M | $71.8M | ||
| Q2 24 | $76.4M | $72.9M |
| Q1 26 | $405.7M | — | ||
| Q4 25 | $400.0M | $390.1M | ||
| Q3 25 | $392.7M | $383.9M | ||
| Q2 25 | $384.5M | $376.0M | ||
| Q1 25 | $345.4M | $366.1M | ||
| Q4 24 | $312.5M | $353.8M | ||
| Q3 24 | $336.6M | $327.6M | ||
| Q2 24 | $307.4M | $354.1M |
| Q1 26 | $984.2M | — | ||
| Q4 25 | $1.1B | $3.3B | ||
| Q3 25 | $1.0B | $3.2B | ||
| Q2 25 | $1.0B | $3.2B | ||
| Q1 25 | $964.4M | $3.2B | ||
| Q4 24 | $989.2M | $3.2B | ||
| Q3 24 | $1.0B | $3.3B | ||
| Q2 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 | — | $413.4M |
| Free Cash FlowOCF − Capex | $-1.0M | — |
| FCF MarginFCF / Revenue | -0.5% | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $413.4M | ||
| Q3 25 | $22.2M | $99.0M | ||
| Q2 25 | $31.7M | $104.5M | ||
| Q1 25 | $-3.1M | $101.0M | ||
| Q4 24 | $36.5M | $393.5M | ||
| Q3 24 | $20.5M | $108.5M | ||
| Q2 24 | $24.4M | $107.7M |
| Q1 26 | $-1.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | -0.5% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 121.45× | ||
| Q3 25 | — | 19.05× | ||
| Q2 25 | — | 15.20× | ||
| Q1 25 | — | 10.34× | ||
| Q4 24 | — | 45.04× | ||
| Q3 24 | 49.55× | — | ||
| Q2 24 | 6.03× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
