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Side-by-side financial comparison of Bitcoin Depot Inc. (BTM) 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 $162.5M, roughly 1.5× Bitcoin Depot Inc.). Bitcoin Depot Inc. runs the higher net margin — 3.4% vs 1.4%, a 2.0% gap on every dollar of revenue. On growth, Bitcoin Depot Inc. posted the faster year-over-year revenue change (20.1% vs -1.3%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -4.9%).
Bitcoin Depot Inc. is one of the largest cryptocurrency ATM operators across North America. It provides retail consumers with accessible in-person kiosks to buy and sell Bitcoin and other leading digital assets, alongside online crypto purchase services via bank transfer. Its self-service kiosks are located in high-traffic retail spaces including grocery stores, gas stations and convenience stores.
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.
BTM vs OPRT — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $162.5M | $247.7M |
| Net Profit | $5.5M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | 7.3% | 2.6% |
| Net Margin | 3.4% | 1.4% |
| Revenue YoY | 20.1% | -1.3% |
| Net Profit YoY | 690.4% | -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.
| Q4 25 | — | $247.7M | ||
| Q3 25 | $162.5M | $238.7M | ||
| Q2 25 | $172.1M | $234.3M | ||
| Q1 25 | $164.2M | $235.9M | ||
| Q4 24 | — | $250.9M | ||
| Q3 24 | $135.3M | $250.0M | ||
| Q2 24 | $163.1M | $250.4M | ||
| Q1 24 | $138.5M | $250.5M |
| Q4 25 | — | $3.4M | ||
| Q3 25 | $5.5M | $5.2M | ||
| Q2 25 | $6.1M | $6.9M | ||
| Q1 25 | $4.2M | $9.8M | ||
| Q4 24 | — | $8.7M | ||
| Q3 24 | $-939.0K | $-30.0M | ||
| Q2 24 | $-2.6M | $-31.0M | ||
| Q1 24 | $-1.5M | $-26.4M |
| Q4 25 | — | 2.6% | ||
| Q3 25 | 7.3% | 6.0% | ||
| Q2 25 | 9.2% | 4.3% | ||
| Q1 25 | 10.8% | 5.6% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | 4.1% | -15.8% | ||
| Q2 24 | 4.7% | -19.6% | ||
| Q1 24 | 0.5% | -12.2% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | 3.4% | 2.2% | ||
| Q2 25 | 3.5% | 2.9% | ||
| Q1 25 | 2.6% | 4.1% | ||
| Q4 24 | — | 200.1% | ||
| Q3 24 | -0.7% | -12.0% | ||
| Q2 24 | -1.6% | -12.4% | ||
| Q1 24 | -1.1% | -10.6% |
| Q4 25 | — | $0.07 | ||
| Q3 25 | $0.08 | $0.11 | ||
| Q2 25 | $0.16 | $0.14 | ||
| Q1 25 | $0.20 | $0.21 | ||
| Q4 24 | — | $0.26 | ||
| Q3 24 | $-0.05 | $-0.75 | ||
| Q2 24 | $-0.13 | $-0.78 | ||
| Q1 24 | $-0.25 | $-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 | $59.3M | $105.5M |
| Total DebtLower is stronger | $67.5M | — |
| Stockholders' EquityBook value | $21.0M | $390.1M |
| Total Assets | $125.3M | $3.3B |
| Debt / EquityLower = less leverage | 3.21× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $105.5M | ||
| Q3 25 | $59.3M | $104.6M | ||
| Q2 25 | $48.0M | $96.8M | ||
| Q1 25 | $35.0M | $78.5M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | $32.2M | $71.8M | ||
| Q2 24 | $43.9M | $72.9M | ||
| Q1 24 | $42.2M | $69.2M |
| Q4 25 | — | — | ||
| Q3 25 | $67.5M | — | ||
| Q2 25 | $66.5M | — | ||
| Q1 25 | $56.2M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $44.5M | — | ||
| Q2 24 | $41.2M | — | ||
| Q1 24 | $37.6M | — |
| Q4 25 | — | $390.1M | ||
| Q3 25 | $21.0M | $383.9M | ||
| Q2 25 | $4.7M | $376.0M | ||
| Q1 25 | $-4.6M | $366.1M | ||
| Q4 24 | — | $353.8M | ||
| Q3 24 | $-7.9M | $327.6M | ||
| Q2 24 | $4.4M | $354.1M | ||
| Q1 24 | $5.0M | $382.0M |
| Q4 25 | — | $3.3B | ||
| Q3 25 | $125.3M | $3.2B | ||
| Q2 25 | $109.1M | $3.2B | ||
| Q1 25 | $89.7M | $3.2B | ||
| Q4 24 | — | $3.2B | ||
| Q3 24 | $87.4M | $3.3B | ||
| Q2 24 | $97.5M | $3.3B | ||
| Q1 24 | $90.1M | $3.3B |
| Q4 25 | — | — | ||
| Q3 25 | 3.21× | — | ||
| Q2 25 | 14.18× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 9.27× | — | ||
| Q1 24 | 7.54× | — |
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 | $6.6M | $413.4M |
| Free Cash FlowOCF − Capex | $2.5M | — |
| FCF MarginFCF / Revenue | 1.6% | — |
| Capex IntensityCapex / Revenue | 2.5% | — |
| Cash ConversionOCF / Net Profit | 1.20× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $27.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $413.4M | ||
| Q3 25 | $6.6M | $99.0M | ||
| Q2 25 | $10.2M | $104.5M | ||
| Q1 25 | $16.3M | $101.0M | ||
| Q4 24 | — | $393.5M | ||
| Q3 24 | $5.8M | $108.5M | ||
| Q2 24 | $10.1M | $107.7M | ||
| Q1 24 | $1.3M | $85.9M |
| Q4 25 | — | — | ||
| Q3 25 | $2.5M | — | ||
| Q2 25 | $9.8M | — | ||
| Q1 25 | $15.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $-1.0M | — | ||
| Q2 24 | $7.6M | — | ||
| Q1 24 | $789.0K | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 5.7% | — | ||
| Q1 25 | 9.7% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.8% | — | ||
| Q2 24 | 4.7% | — | ||
| Q1 24 | 0.6% | — |
| Q4 25 | — | — | ||
| Q3 25 | 2.5% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 5.0% | — | ||
| Q2 24 | 1.5% | — | ||
| Q1 24 | 0.4% | — |
| Q4 25 | — | 121.45× | ||
| Q3 25 | 1.20× | 19.05× | ||
| Q2 25 | 1.67× | 15.20× | ||
| Q1 25 | 3.88× | 10.34× | ||
| Q4 24 | — | 45.04× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
