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Side-by-side financial comparison of BLACKLINE, INC. (BL) 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 $183.2M, roughly 1.4× BLACKLINE, INC.). BLACKLINE, INC. runs the higher net margin — 2.7% vs 1.4%, a 1.3% gap on every dollar of revenue. On growth, BLACKLINE, INC. posted the faster year-over-year revenue change (8.1% vs -1.3%). Over the past eight quarters, BLACKLINE, INC.'s revenue compounded faster (7.9% CAGR vs -0.5%).
BlackLine Systems, Inc., is an American enterprise software company that develops cloud-based services designed to automate and manage the entire financial close process as well as consolidation, invoice-to-cash, and intercompany accounting. The Los Angeles–based company has 17 offices worldwide.
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.
BL vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.2M | $247.7M |
| Net Profit | $4.9M | $3.4M |
| Gross Margin | 75.2% | — |
| Operating Margin | 3.7% | 2.6% |
| Net Margin | 2.7% | 1.4% |
| Revenue YoY | 8.1% | -1.3% |
| Net Profit YoY | -91.3% | -61.0% |
| EPS (diluted) | $0.07 | $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 | $183.2M | $247.7M | ||
| Q3 25 | $178.3M | $238.7M | ||
| Q2 25 | $172.0M | $234.3M | ||
| Q1 25 | $166.9M | $235.9M | ||
| Q4 24 | $169.5M | $250.9M | ||
| Q3 24 | $165.9M | $250.0M | ||
| Q2 24 | $160.5M | $250.4M | ||
| Q1 24 | $157.5M | $250.5M |
| Q4 25 | $4.9M | $3.4M | ||
| Q3 25 | $5.3M | $5.2M | ||
| Q2 25 | $8.3M | $6.9M | ||
| Q1 25 | $6.1M | $9.8M | ||
| Q4 24 | $56.4M | $8.7M | ||
| Q3 24 | $17.2M | $-30.0M | ||
| Q2 24 | $76.7M | $-31.0M | ||
| Q1 24 | $10.8M | $-26.4M |
| Q4 25 | 75.2% | — | ||
| Q3 25 | 75.1% | — | ||
| Q2 25 | 75.2% | — | ||
| Q1 25 | 75.5% | — | ||
| Q4 24 | 75.6% | — | ||
| Q3 24 | 75.2% | — | ||
| Q2 24 | 74.9% | — | ||
| Q1 24 | 75.2% | — |
| Q4 25 | 3.7% | 2.6% | ||
| Q3 25 | 4.3% | 6.0% | ||
| Q2 25 | 4.4% | 4.3% | ||
| Q1 25 | 2.1% | 5.6% | ||
| Q4 24 | 3.7% | 89.6% | ||
| Q3 24 | 5.0% | -15.8% | ||
| Q2 24 | 1.4% | -19.6% | ||
| Q1 24 | 1.1% | -12.2% |
| Q4 25 | 2.7% | 1.4% | ||
| Q3 25 | 3.0% | 2.2% | ||
| Q2 25 | 4.8% | 2.9% | ||
| Q1 25 | 3.6% | 4.1% | ||
| Q4 24 | 33.3% | 200.1% | ||
| Q3 24 | 10.4% | -12.0% | ||
| Q2 24 | 47.8% | -12.4% | ||
| Q1 24 | 6.9% | -10.6% |
| Q4 25 | $0.07 | $0.07 | ||
| Q3 25 | $0.09 | $0.11 | ||
| Q2 25 | $0.13 | $0.14 | ||
| Q1 25 | $0.10 | $0.21 | ||
| Q4 24 | $0.79 | $0.26 | ||
| Q3 24 | $0.27 | $-0.75 | ||
| Q2 24 | $0.22 | $-0.78 | ||
| Q1 24 | $0.17 | $-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 | $390.0M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $332.3M | $390.1M |
| Total Assets | $1.8B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $390.0M | $105.5M | ||
| Q3 25 | $419.9M | $104.6M | ||
| Q2 25 | $459.1M | $96.8M | ||
| Q1 25 | $479.5M | $78.5M | ||
| Q4 24 | $885.9M | $60.0M | ||
| Q3 24 | $725.3M | $71.8M | ||
| Q2 24 | $616.6M | $72.9M | ||
| Q1 24 | $331.4M | $69.2M |
| Q4 25 | $332.3M | $390.1M | ||
| Q3 25 | $328.3M | $383.9M | ||
| Q2 25 | $414.0M | $376.0M | ||
| Q1 25 | $417.9M | $366.1M | ||
| Q4 24 | $446.7M | $353.8M | ||
| Q3 24 | $367.9M | $327.6M | ||
| Q2 24 | $325.8M | $354.1M | ||
| Q1 24 | $279.8M | $382.0M |
| Q4 25 | $1.8B | $3.3B | ||
| Q3 25 | $1.7B | $3.2B | ||
| Q2 25 | $1.8B | $3.2B | ||
| Q1 25 | $1.8B | $3.2B | ||
| Q4 24 | $1.8B | $3.2B | ||
| Q3 24 | $1.7B | $3.3B | ||
| Q2 24 | $1.9B | $3.3B | ||
| Q1 24 | $2.1B | $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 | $26.7M | $413.4M |
| Free Cash FlowOCF − Capex | $26.1M | — |
| FCF MarginFCF / Revenue | 14.2% | — |
| Capex IntensityCapex / Revenue | 0.3% | — |
| Cash ConversionOCF / Net Profit | 5.46× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $161.5M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $26.7M | $413.4M | ||
| Q3 25 | $63.8M | $99.0M | ||
| Q2 25 | $32.3M | $104.5M | ||
| Q1 25 | $46.7M | $101.0M | ||
| Q4 24 | $43.8M | $393.5M | ||
| Q3 24 | $55.9M | $108.5M | ||
| Q2 24 | $40.7M | $107.7M | ||
| Q1 24 | $50.4M | $85.9M |
| Q4 25 | $26.1M | — | ||
| Q3 25 | $63.3M | — | ||
| Q2 25 | $31.4M | — | ||
| Q1 25 | $40.8M | — | ||
| Q4 24 | $43.0M | — | ||
| Q3 24 | $55.5M | — | ||
| Q2 24 | $40.0M | — | ||
| Q1 24 | $50.1M | — |
| Q4 25 | 14.2% | — | ||
| Q3 25 | 35.5% | — | ||
| Q2 25 | 18.2% | — | ||
| Q1 25 | 24.4% | — | ||
| Q4 24 | 25.4% | — | ||
| Q3 24 | 33.5% | — | ||
| Q2 24 | 24.9% | — | ||
| Q1 24 | 31.8% | — |
| Q4 25 | 0.3% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 3.6% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.2% | — |
| Q4 25 | 5.46× | 121.45× | ||
| Q3 25 | 12.07× | 19.05× | ||
| Q2 25 | 3.90× | 15.20× | ||
| Q1 25 | 7.72× | 10.34× | ||
| Q4 24 | 0.78× | 45.04× | ||
| Q3 24 | 3.24× | — | ||
| Q2 24 | 0.53× | — | ||
| Q1 24 | 4.66× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BL
| Subscription And Circulation | $173.2M | 95% |
| Technology Service | $10.0M | 5% |
OPRT
Segment breakdown not available.
