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Side-by-side financial comparison of ECARX Holdings Inc. (ECX) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
ECARX Holdings Inc. is the larger business by last-quarter revenue ($323.3M vs $247.7M, roughly 1.3× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs -21.4%, a 22.7% gap on every dollar of revenue. On growth, ECARX Holdings Inc. posted the faster year-over-year revenue change (6.5% vs -1.3%).
ECARX Holdings Inc. is a global mobility technology provider specializing in integrated smart vehicle solutions, including in-vehicle infotainment systems, advanced driver assistance technologies, and connected car cloud services. It primarily partners with automotive manufacturers across the world, with a strong operational presence in the Chinese and European markets.
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.
ECX vs OPRT — Head-to-Head
Income Statement — Q2 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $323.3M | $247.7M |
| Net Profit | $-69.1M | $3.4M |
| Gross Margin | 15.5% | — |
| Operating Margin | -20.2% | 2.6% |
| Net Margin | -21.4% | 1.4% |
| Revenue YoY | 6.5% | -1.3% |
| Net Profit YoY | 12.8% | -61.0% |
| EPS (diluted) | $-0.20 | $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 | — | $238.7M | ||
| Q2 25 | $323.3M | $234.3M | ||
| Q1 25 | — | $235.9M | ||
| Q4 24 | — | $250.9M | ||
| Q3 24 | — | $250.0M | ||
| Q2 24 | $303.5M | $250.4M | ||
| Q1 24 | — | $250.5M |
| Q4 25 | — | $3.4M | ||
| Q3 25 | — | $5.2M | ||
| Q2 25 | $-69.1M | $6.9M | ||
| Q1 25 | — | $9.8M | ||
| Q4 24 | — | $8.7M | ||
| Q3 24 | — | $-30.0M | ||
| Q2 24 | $-79.2M | $-31.0M | ||
| Q1 24 | — | $-26.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 15.5% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 22.6% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 6.0% | ||
| Q2 25 | -20.2% | 4.3% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | -15.8% | ||
| Q2 24 | -22.2% | -19.6% | ||
| Q1 24 | — | -12.2% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | -21.4% | 2.9% | ||
| Q1 25 | — | 4.1% | ||
| Q4 24 | — | 200.1% | ||
| Q3 24 | — | -12.0% | ||
| Q2 24 | -26.1% | -12.4% | ||
| Q1 24 | — | -10.6% |
| Q4 25 | — | $0.07 | ||
| Q3 25 | — | $0.11 | ||
| Q2 25 | $-0.20 | $0.14 | ||
| Q1 25 | — | $0.21 | ||
| Q4 24 | — | $0.26 | ||
| Q3 24 | — | $-0.75 | ||
| Q2 24 | $-0.23 | $-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 | $86.2M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $-293.7M | $390.1M |
| Total Assets | $494.9M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $105.5M | ||
| Q3 25 | — | $104.6M | ||
| Q2 25 | $86.2M | $96.8M | ||
| Q1 25 | — | $78.5M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | — | $71.8M | ||
| Q2 24 | $108.4M | $72.9M | ||
| Q1 24 | — | $69.2M |
| Q4 25 | — | $390.1M | ||
| Q3 25 | — | $383.9M | ||
| Q2 25 | $-293.7M | $376.0M | ||
| Q1 25 | — | $366.1M | ||
| Q4 24 | — | $353.8M | ||
| Q3 24 | — | $327.6M | ||
| Q2 24 | $-198.5M | $354.1M | ||
| Q1 24 | — | $382.0M |
| Q4 25 | — | $3.3B | ||
| Q3 25 | — | $3.2B | ||
| Q2 25 | $494.9M | $3.2B | ||
| Q1 25 | — | $3.2B | ||
| Q4 24 | — | $3.2B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | $555.0M | $3.3B | ||
| Q1 24 | — | $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 | $-82.0M | $413.4M |
| Free Cash FlowOCF − Capex | $-86.5M | — |
| FCF MarginFCF / Revenue | -26.7% | — |
| Capex IntensityCapex / Revenue | 1.4% | — |
| 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 | — | $99.0M | ||
| Q2 25 | $-82.0M | $104.5M | ||
| Q1 25 | — | $101.0M | ||
| Q4 24 | — | $393.5M | ||
| Q3 24 | — | $108.5M | ||
| Q2 24 | $-57.1M | $107.7M | ||
| Q1 24 | — | $85.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $-86.5M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $-64.9M | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -26.7% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | -21.4% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 2.6% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 121.45× | ||
| Q3 25 | — | 19.05× | ||
| Q2 25 | — | 15.20× | ||
| Q1 25 | — | 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.
