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Side-by-side financial comparison of Dayforce (DAY) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
Dayforce is the larger business by last-quarter revenue ($481.6M vs $247.7M, roughly 1.9× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs -40.9%, a 42.2% gap on every dollar of revenue. On growth, Dayforce posted the faster year-over-year revenue change (9.5% vs -1.3%). Over the past eight quarters, Dayforce's revenue compounded faster (9.8% CAGR vs -0.5%).
Dayforce, Inc., formerly Ceridian, is an American human resources software and services company.
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.
DAY vs OPRT — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $481.6M | $247.7M |
| Net Profit | $-196.8M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | 6.3% | 2.6% |
| Net Margin | -40.9% | 1.4% |
| Revenue YoY | 9.5% | -1.3% |
| Net Profit YoY | -9940.0% | -61.0% |
| EPS (diluted) | $-1.23 | $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 | $481.6M | $238.7M | ||
| Q2 25 | $464.7M | $234.3M | ||
| Q1 25 | $481.8M | $235.9M | ||
| Q4 24 | $465.2M | $250.9M | ||
| Q3 24 | $440.0M | $250.0M | ||
| Q2 24 | $423.3M | $250.4M | ||
| Q1 24 | $431.5M | $250.5M |
| Q4 25 | — | $3.4M | ||
| Q3 25 | $-196.8M | $5.2M | ||
| Q2 25 | $21.3M | $6.9M | ||
| Q1 25 | $14.9M | $9.8M | ||
| Q4 24 | $10.8M | $8.7M | ||
| Q3 24 | $2.0M | $-30.0M | ||
| Q2 24 | $-1.8M | $-31.0M | ||
| Q1 24 | $7.1M | $-26.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — | ||
| Q1 24 | 47.6% | — |
| Q4 25 | — | 2.6% | ||
| Q3 25 | 6.3% | 6.0% | ||
| Q2 25 | 9.1% | 4.3% | ||
| Q1 25 | 6.4% | 5.6% | ||
| Q4 24 | 6.1% | 89.6% | ||
| Q3 24 | 4.7% | -15.8% | ||
| Q2 24 | 3.3% | -19.6% | ||
| Q1 24 | 9.4% | -12.2% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | -40.9% | 2.2% | ||
| Q2 25 | 4.6% | 2.9% | ||
| Q1 25 | 3.1% | 4.1% | ||
| Q4 24 | 2.3% | 200.1% | ||
| Q3 24 | 0.5% | -12.0% | ||
| Q2 24 | -0.4% | -12.4% | ||
| Q1 24 | 1.6% | -10.6% |
| Q4 25 | — | $0.07 | ||
| Q3 25 | $-1.23 | $0.11 | ||
| Q2 25 | $0.13 | $0.14 | ||
| Q1 25 | $0.09 | $0.21 | ||
| Q4 24 | $0.07 | $0.26 | ||
| Q3 24 | $0.01 | $-0.75 | ||
| Q2 24 | $-0.01 | $-0.78 | ||
| Q1 24 | $0.04 | $-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 | $627.6M | $105.5M |
| Total DebtLower is stronger | $631.1M | — |
| Stockholders' EquityBook value | $2.7B | $390.1M |
| Total Assets | $8.7B | $3.3B |
| Debt / EquityLower = less leverage | 0.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $105.5M | ||
| Q3 25 | $627.6M | $104.6M | ||
| Q2 25 | $625.2M | $96.8M | ||
| Q1 25 | $557.3M | $78.5M | ||
| Q4 24 | $579.7M | $60.0M | ||
| Q3 24 | $494.1M | $71.8M | ||
| Q2 24 | $465.4M | $72.9M | ||
| Q1 24 | $392.5M | $69.2M |
| Q4 25 | — | — | ||
| Q3 25 | $631.1M | — | ||
| Q2 25 | $631.8M | — | ||
| Q1 25 | $632.4M | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.2B | — |
| Q4 25 | — | $390.1M | ||
| Q3 25 | $2.7B | $383.9M | ||
| Q2 25 | $2.7B | $376.0M | ||
| Q1 25 | $2.6B | $366.1M | ||
| Q4 24 | $2.5B | $353.8M | ||
| Q3 24 | $2.6B | $327.6M | ||
| Q2 24 | $2.5B | $354.1M | ||
| Q1 24 | $2.4B | $382.0M |
| Q4 25 | — | $3.3B | ||
| Q3 25 | $8.7B | $3.2B | ||
| Q2 25 | $8.5B | $3.2B | ||
| Q1 25 | $9.5B | $3.2B | ||
| Q4 24 | $9.1B | $3.2B | ||
| Q3 24 | $8.1B | $3.3B | ||
| Q2 24 | $9.0B | $3.3B | ||
| Q1 24 | $10.8B | $3.3B |
| Q4 25 | — | — | ||
| Q3 25 | 0.23× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.47× | — | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.49× | — | ||
| Q1 24 | 0.50× | — |
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 | $31.2M | $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 | $31.2M | $99.0M | ||
| Q2 25 | $112.7M | $104.5M | ||
| Q1 25 | $49.6M | $101.0M | ||
| Q4 24 | $81.0M | $393.5M | ||
| Q3 24 | $91.8M | $108.5M | ||
| Q2 24 | $99.2M | $107.7M | ||
| Q1 24 | $9.1M | $85.9M |
| Q4 25 | — | 121.45× | ||
| Q3 25 | — | 19.05× | ||
| Q2 25 | 5.29× | 15.20× | ||
| Q1 25 | 3.33× | 10.34× | ||
| Q4 24 | 7.50× | 45.04× | ||
| Q3 24 | 45.90× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 1.28× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
OPRT
Segment breakdown not available.
