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Side-by-side financial comparison of BJs RESTAURANTS INC (BJRI) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
BJs RESTAURANTS INC is the larger business by last-quarter revenue ($355.4M vs $247.7M, roughly 1.4× Oportun Financial Corp). BJs RESTAURANTS INC runs the higher net margin — 3.6% vs 1.4%, a 2.2% gap on every dollar of revenue. On growth, BJs RESTAURANTS INC posted the faster year-over-year revenue change (3.2% vs -1.3%). Over the past eight quarters, BJs RESTAURANTS INC's revenue compounded faster (2.6% CAGR vs -0.5%).
BJ's Restaurants Inc. operates a chain of casual dining restaurants across the United States. Its menu features signature deep-dish pizzas, craft beers, handcrafted cocktails, and a wide range of American comfort food. The brand primarily serves family groups, friend gatherings, and casual diners seeking affordable, high-quality meals in a relaxed, welcoming in-store environment.
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.
BJRI vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $355.4M | $247.7M |
| Net Profit | $12.6M | $3.4M |
| Gross Margin | 74.5% | — |
| Operating Margin | 3.1% | 2.6% |
| Net Margin | 3.6% | 1.4% |
| Revenue YoY | 3.2% | -1.3% |
| Net Profit YoY | -24.2% | -61.0% |
| EPS (diluted) | $0.58 | $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 | $355.4M | $247.7M | ||
| Q3 25 | $365.6M | $238.7M | ||
| Q2 25 | $348.0M | $234.3M | ||
| Q1 25 | — | $235.9M | ||
| Q4 24 | $325.7M | $250.9M | ||
| Q3 24 | $349.9M | $250.0M | ||
| Q2 24 | $337.3M | $250.4M | ||
| Q1 24 | — | $250.5M |
| Q4 25 | $12.6M | $3.4M | ||
| Q3 25 | $22.2M | $5.2M | ||
| Q2 25 | $13.5M | $6.9M | ||
| Q1 25 | — | $9.8M | ||
| Q4 24 | $-2.9M | $8.7M | ||
| Q3 24 | $17.2M | $-30.0M | ||
| Q2 24 | $7.7M | $-31.0M | ||
| Q1 24 | — | $-26.4M |
| Q4 25 | 74.5% | — | ||
| Q3 25 | 75.2% | — | ||
| Q2 25 | 75.0% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 73.4% | — | ||
| Q3 24 | 74.3% | — | ||
| Q2 24 | 74.8% | — | ||
| Q1 24 | — | — |
| Q4 25 | 3.1% | 2.6% | ||
| Q3 25 | 5.8% | 6.0% | ||
| Q2 25 | 4.3% | 4.3% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | -0.8% | 89.6% | ||
| Q3 24 | 3.8% | -15.8% | ||
| Q2 24 | 2.4% | -19.6% | ||
| Q1 24 | — | -12.2% |
| Q4 25 | 3.6% | 1.4% | ||
| Q3 25 | 6.1% | 2.2% | ||
| Q2 25 | 3.9% | 2.9% | ||
| Q1 25 | — | 4.1% | ||
| Q4 24 | -0.9% | 200.1% | ||
| Q3 24 | 4.9% | -12.0% | ||
| Q2 24 | 2.3% | -12.4% | ||
| Q1 24 | — | -10.6% |
| Q4 25 | $0.58 | $0.07 | ||
| Q3 25 | $0.97 | $0.11 | ||
| Q2 25 | $0.58 | $0.14 | ||
| Q1 25 | — | $0.21 | ||
| Q4 24 | $-0.13 | $0.26 | ||
| Q3 24 | $0.72 | $-0.75 | ||
| Q2 24 | $0.32 | $-0.78 | ||
| Q1 24 | — | $-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 | $23.8M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $366.2M | $390.1M |
| Total Assets | $1.0B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.8M | $105.5M | ||
| Q3 25 | $26.0M | $104.6M | ||
| Q2 25 | $19.0M | $96.8M | ||
| Q1 25 | — | $78.5M | ||
| Q4 24 | $18.4M | $60.0M | ||
| Q3 24 | $16.2M | $71.8M | ||
| Q2 24 | $18.8M | $72.9M | ||
| Q1 24 | — | $69.2M |
| Q4 25 | — | — | ||
| Q3 25 | $60.5M | — | ||
| Q2 25 | $85.5M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $66.5M | — | ||
| Q3 24 | $63.5M | — | ||
| Q2 24 | $58.0M | — | ||
| Q1 24 | — | — |
| Q4 25 | $366.2M | $390.1M | ||
| Q3 25 | $386.6M | $383.9M | ||
| Q2 25 | $371.5M | $376.0M | ||
| Q1 25 | — | $366.1M | ||
| Q4 24 | $376.2M | $353.8M | ||
| Q3 24 | $386.5M | $327.6M | ||
| Q2 24 | $375.4M | $354.1M | ||
| Q1 24 | — | $382.0M |
| Q4 25 | $1.0B | $3.3B | ||
| Q3 25 | $1.0B | $3.2B | ||
| Q2 25 | $1.0B | $3.2B | ||
| Q1 25 | — | $3.2B | ||
| Q4 24 | $1.0B | $3.2B | ||
| Q3 24 | $1.0B | $3.3B | ||
| Q2 24 | $1.0B | $3.3B | ||
| Q1 24 | — | $3.3B |
| Q4 25 | — | — | ||
| Q3 25 | 0.16× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 0.15× | — | ||
| 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 | — | $413.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $413.4M | ||
| Q3 25 | $62.3M | $99.0M | ||
| Q2 25 | $4.6M | $104.5M | ||
| Q1 25 | — | $101.0M | ||
| Q4 24 | $27.3M | $393.5M | ||
| Q3 24 | $20.2M | $108.5M | ||
| Q2 24 | $22.3M | $107.7M | ||
| Q1 24 | — | $85.9M |
| Q4 25 | — | — | ||
| Q3 25 | $41.9M | — | ||
| Q2 25 | $-12.1M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $7.6M | — | ||
| Q3 24 | $735.0K | — | ||
| Q2 24 | $448.0K | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 11.5% | — | ||
| Q2 25 | -3.5% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 2.3% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 5.6% | — | ||
| Q2 25 | 4.8% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 6.0% | — | ||
| Q3 24 | 5.6% | — | ||
| Q2 24 | 6.5% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 121.45× | ||
| Q3 25 | 2.80× | 19.05× | ||
| Q2 25 | 0.34× | 15.20× | ||
| Q1 25 | — | 10.34× | ||
| Q4 24 | — | 45.04× | ||
| Q3 24 | 1.18× | — | ||
| Q2 24 | 2.89× | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
