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Side-by-side financial comparison of Citi Trends Inc (CTRN) 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 $197.1M, roughly 1.3× Citi Trends Inc). Oportun Financial Corp runs the higher net margin — 1.4% vs -3.5%, a 4.9% gap on every dollar of revenue. On growth, Citi Trends Inc posted the faster year-over-year revenue change (10.1% vs -1.3%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
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.
CTRN vs OPRT — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $247.7M |
| Net Profit | $-6.9M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 2.6% |
| Net Margin | -3.5% | 1.4% |
| Revenue YoY | 10.1% | -1.3% |
| Net Profit YoY | 3.6% | -61.0% |
| EPS (diluted) | $-0.86 | $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 | $197.1M | $247.7M | ||
| Q3 25 | $190.8M | $238.7M | ||
| Q2 25 | $201.7M | $234.3M | ||
| Q1 25 | $211.2M | $235.9M | ||
| Q4 24 | $179.1M | $250.9M | ||
| Q3 24 | $176.6M | $250.0M | ||
| Q2 24 | $186.3M | $250.4M | ||
| Q1 24 | $215.2M | $250.5M |
| Q4 25 | $-6.9M | $3.4M | ||
| Q3 25 | $3.8M | $5.2M | ||
| Q2 25 | $871.0K | $6.9M | ||
| Q1 25 | $-14.2M | $9.8M | ||
| Q4 24 | $-7.2M | $8.7M | ||
| Q3 24 | $-18.4M | $-30.0M | ||
| Q2 24 | $-3.4M | $-31.0M | ||
| Q1 24 | $3.6M | $-26.4M |
| Q4 25 | -3.7% | 2.6% | ||
| Q3 25 | 1.8% | 6.0% | ||
| Q2 25 | 0.2% | 4.3% | ||
| Q1 25 | 0.6% | 5.6% | ||
| Q4 24 | -4.9% | 89.6% | ||
| Q3 24 | -14.1% | -15.8% | ||
| Q2 24 | -3.7% | -19.6% | ||
| Q1 24 | 1.8% | -12.2% |
| Q4 25 | -3.5% | 1.4% | ||
| Q3 25 | 2.0% | 2.2% | ||
| Q2 25 | 0.4% | 2.9% | ||
| Q1 25 | -6.7% | 4.1% | ||
| Q4 24 | -4.0% | 200.1% | ||
| Q3 24 | -10.4% | -12.0% | ||
| Q2 24 | -1.8% | -12.4% | ||
| Q1 24 | 1.7% | -10.6% |
| Q4 25 | $-0.86 | $0.07 | ||
| Q3 25 | $0.46 | $0.11 | ||
| Q2 25 | $0.11 | $0.14 | ||
| Q1 25 | $-1.70 | $0.21 | ||
| Q4 24 | $-0.86 | $0.26 | ||
| Q3 24 | $-2.21 | $-0.75 | ||
| Q2 24 | $-0.42 | $-0.78 | ||
| Q1 24 | $0.43 | $-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 | — | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $390.1M |
| Total Assets | $464.3M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $105.5M | ||
| Q3 25 | — | $104.6M | ||
| Q2 25 | — | $96.8M | ||
| Q1 25 | — | $78.5M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | — | $71.8M | ||
| Q2 24 | — | $72.9M | ||
| Q1 24 | — | $69.2M |
| Q4 25 | $107.8M | $390.1M | ||
| Q3 25 | $113.2M | $383.9M | ||
| Q2 25 | $108.6M | $376.0M | ||
| Q1 25 | $113.2M | $366.1M | ||
| Q4 24 | $130.3M | $353.8M | ||
| Q3 24 | $136.6M | $327.6M | ||
| Q2 24 | $154.8M | $354.1M | ||
| Q1 24 | $157.7M | $382.0M |
| Q4 25 | $464.3M | $3.3B | ||
| Q3 25 | $457.4M | $3.2B | ||
| Q2 25 | $437.4M | $3.2B | ||
| Q1 25 | $462.8M | $3.2B | ||
| Q4 24 | $467.1M | $3.2B | ||
| Q3 24 | $506.7M | $3.3B | ||
| Q2 24 | $484.1M | $3.3B | ||
| Q1 24 | $518.7M | $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 | $8.6M | $413.4M |
| Free Cash FlowOCF − Capex | $767.0K | — |
| FCF MarginFCF / Revenue | 0.4% | — |
| Capex IntensityCapex / Revenue | 4.0% | — |
| Cash ConversionOCF / Net Profit | — | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $413.4M | ||
| Q3 25 | $3.9M | $99.0M | ||
| Q2 25 | $-11.0M | $104.5M | ||
| Q1 25 | $28.5M | $101.0M | ||
| Q4 24 | $-18.4M | $393.5M | ||
| Q3 24 | $5.6M | $108.5M | ||
| Q2 24 | $-19.6M | $107.7M | ||
| Q1 24 | $23.3M | $85.9M |
| Q4 25 | $767.0K | — | ||
| Q3 25 | $-1.7M | — | ||
| Q2 25 | $-13.1M | — | ||
| Q1 25 | $26.0M | — | ||
| Q4 24 | $-20.4M | — | ||
| Q3 24 | $1.7M | — | ||
| Q2 24 | $-21.2M | — | ||
| Q1 24 | $20.0M | — |
| Q4 25 | 0.4% | — | ||
| Q3 25 | -0.9% | — | ||
| Q2 25 | -6.5% | — | ||
| Q1 25 | 12.3% | — | ||
| Q4 24 | -11.4% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | -11.4% | — | ||
| Q1 24 | 9.3% | — |
| Q4 25 | 4.0% | — | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.2% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 1.5% | — |
| Q4 25 | — | 121.45× | ||
| Q3 25 | 1.01× | 19.05× | ||
| Q2 25 | -12.59× | 15.20× | ||
| Q1 25 | — | 10.34× | ||
| Q4 24 | — | 45.04× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 6.56× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
