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Side-by-side financial comparison of Guardian Pharmacy Services, Inc. (GRDN) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
Guardian Pharmacy Services, Inc. is the larger business by last-quarter revenue ($397.6M vs $247.7M, roughly 1.6× Oportun Financial Corp). Guardian Pharmacy Services, Inc. runs the higher net margin — 5.3% vs 1.4%, a 3.9% gap on every dollar of revenue.
CVS Pharmacy Inc. is an American retail corporation. A subsidiary of CVS Health, it is headquartered in Woonsocket, Rhode Island. Originally named the Consumer Value Stores, it was founded in Lowell, Massachusetts, in 1963.
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.
GRDN vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $397.6M | $247.7M |
| Net Profit | $20.9M | $3.4M |
| Gross Margin | 21.5% | — |
| Operating Margin | 7.7% | 2.6% |
| Net Margin | 5.3% | 1.4% |
| Revenue YoY | — | -1.3% |
| Net Profit YoY | — | -61.0% |
| EPS (diluted) | — | $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 | $397.6M | $247.7M | ||
| Q3 25 | $377.4M | $238.7M | ||
| Q2 25 | $344.3M | $234.3M | ||
| Q1 25 | $329.3M | $235.9M | ||
| Q4 24 | — | $250.9M | ||
| Q3 24 | $314.4M | $250.0M | ||
| Q2 24 | — | $250.4M | ||
| Q1 24 | — | $250.5M |
| Q4 25 | $20.9M | $3.4M | ||
| Q3 25 | $9.8M | $5.2M | ||
| Q2 25 | $9.0M | $6.9M | ||
| Q1 25 | $9.4M | $9.8M | ||
| Q4 24 | — | $8.7M | ||
| Q3 24 | $-122.0M | $-30.0M | ||
| Q2 24 | — | $-31.0M | ||
| Q1 24 | — | $-26.4M |
| Q4 25 | 21.5% | — | ||
| Q3 25 | 19.8% | — | ||
| Q2 25 | 19.8% | — | ||
| Q1 25 | 19.5% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 19.4% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 7.7% | 2.6% | ||
| Q3 25 | 4.3% | 6.0% | ||
| Q2 25 | 3.7% | 4.3% | ||
| Q1 25 | 3.9% | 5.6% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | -33.3% | -15.8% | ||
| Q2 24 | — | -19.6% | ||
| Q1 24 | — | -12.2% |
| Q4 25 | 5.3% | 1.4% | ||
| Q3 25 | 2.6% | 2.2% | ||
| Q2 25 | 2.6% | 2.9% | ||
| Q1 25 | 2.9% | 4.1% | ||
| Q4 24 | — | 200.1% | ||
| Q3 24 | -38.8% | -12.0% | ||
| Q2 24 | — | -12.4% | ||
| Q1 24 | — | -10.6% |
| Q4 25 | — | $0.07 | ||
| Q3 25 | — | $0.11 | ||
| Q2 25 | — | $0.14 | ||
| Q1 25 | — | $0.21 | ||
| Q4 24 | — | $0.26 | ||
| Q3 24 | — | $-0.75 | ||
| Q2 24 | — | $-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 | $65.6M | $105.5M |
| Total DebtLower is stronger | $0 | — |
| Stockholders' EquityBook value | $217.9M | $390.1M |
| Total Assets | $412.7M | $3.3B |
| Debt / EquityLower = less leverage | 0.00× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $105.5M | ||
| Q3 25 | $36.5M | $104.6M | ||
| Q2 25 | $18.8M | $96.8M | ||
| Q1 25 | $14.0M | $78.5M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | $37.2M | $71.8M | ||
| Q2 24 | — | $72.9M | ||
| Q1 24 | — | $69.2M |
| Q4 25 | $0 | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $34.3M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $217.9M | $390.1M | ||
| Q3 25 | $195.5M | $383.9M | ||
| Q2 25 | $179.7M | $376.0M | ||
| Q1 25 | $163.2M | $366.1M | ||
| Q4 24 | — | $353.8M | ||
| Q3 24 | $133.9M | $327.6M | ||
| Q2 24 | — | $354.1M | ||
| Q1 24 | — | $382.0M |
| Q4 25 | $412.7M | $3.3B | ||
| Q3 25 | $390.0M | $3.2B | ||
| Q2 25 | $356.3M | $3.2B | ||
| Q1 25 | $334.0M | $3.2B | ||
| Q4 24 | — | $3.2B | ||
| Q3 24 | $348.0M | $3.3B | ||
| Q2 24 | — | $3.3B | ||
| Q1 24 | — | $3.3B |
| Q4 25 | 0.00× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.26× | — | ||
| 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 | $34.6M | $413.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.65× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.6M | $413.4M | ||
| Q3 25 | $28.2M | $99.0M | ||
| Q2 25 | $19.9M | $104.5M | ||
| Q1 25 | $17.6M | $101.0M | ||
| Q4 24 | — | $393.5M | ||
| Q3 24 | — | $108.5M | ||
| Q2 24 | — | $107.7M | ||
| Q1 24 | — | $85.9M |
| Q4 25 | — | — | ||
| Q3 25 | $24.2M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 6.4% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 1.65× | 121.45× | ||
| Q3 25 | 2.87× | 19.05× | ||
| Q2 25 | 2.21× | 15.20× | ||
| Q1 25 | 1.86× | 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.
