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Side-by-side financial comparison of EverQuote, Inc. (EVER) 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 $195.3M, roughly 1.3× EverQuote, Inc.). EverQuote, Inc. runs the higher net margin — 29.6% vs 1.4%, a 28.2% gap on every dollar of revenue. On growth, EverQuote, Inc. posted the faster year-over-year revenue change (32.5% vs -1.3%). Over the past eight quarters, EverQuote, Inc.'s revenue compounded faster (46.5% CAGR vs -0.5%).
EverQuote, Inc. is an online insurance marketplace founded in 2011 and based in Cambridge, Massachusetts.
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.
EVER vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $195.3M | $247.7M |
| Net Profit | $57.8M | $3.4M |
| Gross Margin | 97.7% | — |
| Operating Margin | 9.5% | 2.6% |
| Net Margin | 29.6% | 1.4% |
| Revenue YoY | 32.5% | -1.3% |
| Net Profit YoY | 369.3% | -61.0% |
| EPS (diluted) | $1.53 | $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 | $195.3M | $247.7M | ||
| Q3 25 | $173.9M | $238.7M | ||
| Q2 25 | $156.6M | $234.3M | ||
| Q1 25 | $166.6M | $235.9M | ||
| Q4 24 | $147.5M | $250.9M | ||
| Q3 24 | $144.5M | $250.0M | ||
| Q2 24 | $117.1M | $250.4M | ||
| Q1 24 | $91.1M | $250.5M |
| Q4 25 | $57.8M | $3.4M | ||
| Q3 25 | $18.9M | $5.2M | ||
| Q2 25 | $14.7M | $6.9M | ||
| Q1 25 | $8.0M | $9.8M | ||
| Q4 24 | $12.3M | $8.7M | ||
| Q3 24 | $11.6M | $-30.0M | ||
| Q2 24 | $6.4M | $-31.0M | ||
| Q1 24 | $1.9M | $-26.4M |
| Q4 25 | 97.7% | — | ||
| Q3 25 | 97.3% | — | ||
| Q2 25 | 96.9% | — | ||
| Q1 25 | 96.8% | — | ||
| Q4 24 | 96.3% | — | ||
| Q3 24 | 96.2% | — | ||
| Q2 24 | 95.7% | — | ||
| Q1 24 | 94.5% | — |
| Q4 25 | 9.5% | 2.6% | ||
| Q3 25 | 10.1% | 6.0% | ||
| Q2 25 | 9.0% | 4.3% | ||
| Q1 25 | 4.8% | 5.6% | ||
| Q4 24 | 8.2% | 89.6% | ||
| Q3 24 | 8.1% | -15.8% | ||
| Q2 24 | 5.4% | -19.6% | ||
| Q1 24 | 1.9% | -12.2% |
| Q4 25 | 29.6% | 1.4% | ||
| Q3 25 | 10.8% | 2.2% | ||
| Q2 25 | 9.4% | 2.9% | ||
| Q1 25 | 4.8% | 4.1% | ||
| Q4 24 | 8.3% | 200.1% | ||
| Q3 24 | 8.0% | -12.0% | ||
| Q2 24 | 5.5% | -12.4% | ||
| Q1 24 | 2.1% | -10.6% |
| Q4 25 | $1.53 | $0.07 | ||
| Q3 25 | $0.50 | $0.11 | ||
| Q2 25 | $0.39 | $0.14 | ||
| Q1 25 | $0.21 | $0.21 | ||
| Q4 24 | $0.35 | $0.26 | ||
| Q3 24 | $0.31 | $-0.75 | ||
| Q2 24 | $0.17 | $-0.78 | ||
| Q1 24 | $0.05 | $-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 | $171.4M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $238.0M | $390.1M |
| Total Assets | $326.9M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $171.4M | $105.5M | ||
| Q3 25 | $145.8M | $104.6M | ||
| Q2 25 | $148.2M | $96.8M | ||
| Q1 25 | $125.0M | $78.5M | ||
| Q4 24 | $102.1M | $60.0M | ||
| Q3 24 | $82.8M | $71.8M | ||
| Q2 24 | $60.9M | $72.9M | ||
| Q1 24 | $48.6M | $69.2M |
| Q4 25 | $238.0M | $390.1M | ||
| Q3 25 | $174.9M | $383.9M | ||
| Q2 25 | $170.3M | $376.0M | ||
| Q1 25 | $149.5M | $366.1M | ||
| Q4 24 | $135.4M | $353.8M | ||
| Q3 24 | $117.7M | $327.6M | ||
| Q2 24 | $100.8M | $354.1M | ||
| Q1 24 | $88.3M | $382.0M |
| Q4 25 | $326.9M | $3.3B | ||
| Q3 25 | $256.1M | $3.2B | ||
| Q2 25 | $241.4M | $3.2B | ||
| Q1 25 | $232.1M | $3.2B | ||
| Q4 24 | $210.5M | $3.2B | ||
| Q3 24 | $180.5M | $3.3B | ||
| Q2 24 | $158.0M | $3.3B | ||
| Q1 24 | $135.4M | $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 | $27.0M | $413.4M |
| Free Cash FlowOCF − Capex | $25.8M | — |
| FCF MarginFCF / Revenue | 13.2% | — |
| Capex IntensityCapex / Revenue | 0.6% | — |
| Cash ConversionOCF / Net Profit | 0.47× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $90.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.0M | $413.4M | ||
| Q3 25 | $19.8M | $99.0M | ||
| Q2 25 | $25.3M | $104.5M | ||
| Q1 25 | $23.3M | $101.0M | ||
| Q4 24 | $20.1M | $393.5M | ||
| Q3 24 | $23.6M | $108.5M | ||
| Q2 24 | $12.4M | $107.7M | ||
| Q1 24 | $10.4M | $85.9M |
| Q4 25 | $25.8M | — | ||
| Q3 25 | $18.5M | — | ||
| Q2 25 | $23.8M | — | ||
| Q1 25 | $22.2M | — | ||
| Q4 24 | $19.1M | — | ||
| Q3 24 | $22.1M | — | ||
| Q2 24 | $11.5M | — | ||
| Q1 24 | $9.7M | — |
| Q4 25 | 13.2% | — | ||
| Q3 25 | 10.6% | — | ||
| Q2 25 | 15.2% | — | ||
| Q1 25 | 13.3% | — | ||
| Q4 24 | 13.0% | — | ||
| Q3 24 | 15.3% | — | ||
| Q2 24 | 9.8% | — | ||
| Q1 24 | 10.6% | — |
| Q4 25 | 0.6% | — | ||
| Q3 25 | 0.7% | — | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 0.7% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 0.7% | — | ||
| Q1 24 | 0.8% | — |
| Q4 25 | 0.47× | 121.45× | ||
| Q3 25 | 1.05× | 19.05× | ||
| Q2 25 | 1.72× | 15.20× | ||
| Q1 25 | 2.92× | 10.34× | ||
| Q4 24 | 1.64× | 45.04× | ||
| Q3 24 | 2.04× | — | ||
| Q2 24 | 1.93× | — | ||
| Q1 24 | 5.47× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EVER
| Automotive | $179.9M | 92% |
| Home And Renters | $15.4M | 8% |
OPRT
Segment breakdown not available.
