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Side-by-side financial comparison of Flywire Corp (FLYW) 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 $157.5M, roughly 1.6× Flywire Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs 0.0%, a 1.4% gap on every dollar of revenue. On growth, Flywire Corp posted the faster year-over-year revenue change (34.0% vs -1.3%). Over the past eight quarters, Flywire Corp's revenue compounded faster (17.5% CAGR vs -0.5%).
Flywire Corp is a global payment and receivables solutions provider serving core verticals including education, healthcare, travel, and B2B commerce. It offers secure cross-border payment processing, currency conversion, and workflow tools for organizations and payers worldwide.
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.
FLYW vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $157.5M | $247.7M |
| Net Profit | $33.0K | $3.4M |
| Gross Margin | — | — |
| Operating Margin | -0.6% | 2.6% |
| Net Margin | 0.0% | 1.4% |
| Revenue YoY | 34.0% | -1.3% |
| Net Profit YoY | 100.2% | -61.0% |
| EPS (diluted) | $0.01 | $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 | $157.5M | $247.7M | ||
| Q3 25 | $200.1M | $238.7M | ||
| Q2 25 | $131.9M | $234.3M | ||
| Q1 25 | $133.5M | $235.9M | ||
| Q4 24 | $117.5M | $250.9M | ||
| Q3 24 | $156.8M | $250.0M | ||
| Q2 24 | $103.7M | $250.4M | ||
| Q1 24 | $114.1M | $250.5M |
| Q4 25 | $33.0K | $3.4M | ||
| Q3 25 | $29.6M | $5.2M | ||
| Q2 25 | $-12.0M | $6.9M | ||
| Q1 25 | $-4.2M | $9.8M | ||
| Q4 24 | $-15.9M | $8.7M | ||
| Q3 24 | $38.9M | $-30.0M | ||
| Q2 24 | $-13.9M | $-31.0M | ||
| Q1 24 | $-6.2M | $-26.4M |
| Q4 25 | -0.6% | 2.6% | ||
| Q3 25 | 16.1% | 6.0% | ||
| Q2 25 | -6.8% | 4.3% | ||
| Q1 25 | -8.2% | 5.6% | ||
| Q4 24 | -4.9% | 89.6% | ||
| Q3 24 | 12.9% | -15.8% | ||
| Q2 24 | -15.2% | -19.6% | ||
| Q1 24 | -5.2% | -12.2% |
| Q4 25 | 0.0% | 1.4% | ||
| Q3 25 | 14.8% | 2.2% | ||
| Q2 25 | -9.1% | 2.9% | ||
| Q1 25 | -3.1% | 4.1% | ||
| Q4 24 | -13.5% | 200.1% | ||
| Q3 24 | 24.8% | -12.0% | ||
| Q2 24 | -13.4% | -12.4% | ||
| Q1 24 | -5.4% | -10.6% |
| Q4 25 | $0.01 | $0.07 | ||
| Q3 25 | $0.23 | $0.11 | ||
| Q2 25 | $-0.10 | $0.14 | ||
| Q1 25 | $-0.03 | $0.21 | ||
| Q4 24 | $-0.12 | $0.26 | ||
| Q3 24 | $0.30 | $-0.75 | ||
| Q2 24 | $-0.11 | $-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 | $355.0M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $835.2M | $390.1M |
| Total Assets | $1.3B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $355.0M | $105.5M | ||
| Q3 25 | $377.3M | $104.6M | ||
| Q2 25 | $274.2M | $96.8M | ||
| Q1 25 | $255.3M | $78.5M | ||
| Q4 24 | $611.1M | $60.0M | ||
| Q3 24 | $681.1M | $71.8M | ||
| Q2 24 | $571.0M | $72.9M | ||
| Q1 24 | $619.0M | $69.2M |
| Q4 25 | — | — | ||
| Q3 25 | $15.0M | — | ||
| Q2 25 | $60.0M | — | ||
| Q1 25 | $60.0M | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $835.2M | $390.1M | ||
| Q3 25 | $829.1M | $383.9M | ||
| Q2 25 | $792.4M | $376.0M | ||
| Q1 25 | $784.3M | $366.1M | ||
| Q4 24 | $814.8M | $353.8M | ||
| Q3 24 | $843.2M | $327.6M | ||
| Q2 24 | $802.6M | $354.1M | ||
| Q1 24 | $-797.0M | $382.0M |
| Q4 25 | $1.3B | $3.3B | ||
| Q3 25 | $1.3B | $3.2B | ||
| Q2 25 | $1.1B | $3.2B | ||
| Q1 25 | $1.1B | $3.2B | ||
| Q4 24 | $1.1B | $3.2B | ||
| Q3 24 | $1.2B | $3.3B | ||
| Q2 24 | $998.7M | $3.3B | ||
| Q1 24 | $998.7M | $3.3B |
| Q4 25 | — | — | ||
| Q3 25 | 0.02× | — | ||
| Q2 25 | 0.08× | — | ||
| Q1 25 | 0.08× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $4.9M | $413.4M |
| Free Cash FlowOCF − Capex | $4.5M | — |
| FCF MarginFCF / Revenue | 2.9% | — |
| Capex IntensityCapex / Revenue | 0.2% | — |
| Cash ConversionOCF / Net Profit | 148.06× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $98.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9M | $413.4M | ||
| Q3 25 | $150.1M | $99.0M | ||
| Q2 25 | $24.1M | $104.5M | ||
| Q1 25 | $-78.9M | $101.0M | ||
| Q4 24 | $-28.6M | $393.5M | ||
| Q3 24 | $184.6M | $108.5M | ||
| Q2 24 | $-19.3M | $107.7M | ||
| Q1 24 | $-38.1M | $85.9M |
| Q4 25 | $4.5M | — | ||
| Q3 25 | $149.9M | — | ||
| Q2 25 | $23.5M | — | ||
| Q1 25 | $-79.1M | — | ||
| Q4 24 | $-28.7M | — | ||
| Q3 24 | $184.4M | — | ||
| Q2 24 | $-19.7M | — | ||
| Q1 24 | $-38.3M | — |
| Q4 25 | 2.9% | — | ||
| Q3 25 | 74.9% | — | ||
| Q2 25 | 17.8% | — | ||
| Q1 25 | -59.3% | — | ||
| Q4 24 | -24.4% | — | ||
| Q3 24 | 117.6% | — | ||
| Q2 24 | -19.0% | — | ||
| Q1 24 | -33.6% | — |
| Q4 25 | 0.2% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 0.2% | — |
| Q4 25 | 148.06× | 121.45× | ||
| Q3 25 | 5.07× | 19.05× | ||
| Q2 25 | — | 15.20× | ||
| Q1 25 | — | 10.34× | ||
| Q4 24 | — | 45.04× | ||
| Q3 24 | 4.75× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FLYW
| Transactions | $126.4M | 80% |
| Platform And Other Revenues | $31.1M | 20% |
OPRT
Segment breakdown not available.
