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Side-by-side financial comparison of HEARTLAND EXPRESS INC (HTLD) 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 $179.4M, roughly 1.4× HEARTLAND EXPRESS INC). Oportun Financial Corp runs the higher net margin — 1.4% vs -10.8%, a 12.2% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -26.1%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -18.5%).
Heartland Express is an American trucking company headquartered in North Liberty, Iowa. The company offers truckload shipping services across the United States.
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.
HTLD vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $179.4M | $247.7M |
| Net Profit | $-19.4M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | -12.7% | 2.6% |
| Net Margin | -10.8% | 1.4% |
| Revenue YoY | -26.1% | -1.3% |
| Net Profit YoY | -949.2% | -61.0% |
| EPS (diluted) | $-0.24 | $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 | $179.4M | $247.7M | ||
| Q3 25 | $196.5M | $238.7M | ||
| Q2 25 | $210.4M | $234.3M | ||
| Q1 25 | $219.4M | $235.9M | ||
| Q4 24 | $242.6M | $250.9M | ||
| Q3 24 | $259.9M | $250.0M | ||
| Q2 24 | $274.8M | $250.4M | ||
| Q1 24 | $270.3M | $250.5M |
| Q4 25 | $-19.4M | $3.4M | ||
| Q3 25 | $-8.3M | $5.2M | ||
| Q2 25 | $-10.9M | $6.9M | ||
| Q1 25 | $-13.9M | $9.8M | ||
| Q4 24 | $-1.9M | $8.7M | ||
| Q3 24 | $-9.3M | $-30.0M | ||
| Q2 24 | $-3.5M | $-31.0M | ||
| Q1 24 | $-15.1M | $-26.4M |
| Q4 25 | -12.7% | 2.6% | ||
| Q3 25 | -3.7% | 6.0% | ||
| Q2 25 | -5.9% | 4.3% | ||
| Q1 25 | -6.8% | 5.6% | ||
| Q4 24 | 0.4% | 89.6% | ||
| Q3 24 | -2.7% | -15.8% | ||
| Q2 24 | 0.1% | -19.6% | ||
| Q1 24 | -5.3% | -12.2% |
| Q4 25 | -10.8% | 1.4% | ||
| Q3 25 | -4.2% | 2.2% | ||
| Q2 25 | -5.2% | 2.9% | ||
| Q1 25 | -6.3% | 4.1% | ||
| Q4 24 | -0.8% | 200.1% | ||
| Q3 24 | -3.6% | -12.0% | ||
| Q2 24 | -1.3% | -12.4% | ||
| Q1 24 | -5.6% | -10.6% |
| Q4 25 | $-0.24 | $0.07 | ||
| Q3 25 | $-0.11 | $0.11 | ||
| Q2 25 | $-0.14 | $0.14 | ||
| Q1 25 | $-0.18 | $0.21 | ||
| Q4 24 | $-0.03 | $0.26 | ||
| Q3 24 | $-0.12 | $-0.75 | ||
| Q2 24 | $-0.04 | $-0.78 | ||
| Q1 24 | $-0.19 | $-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 | $18.5M | $105.5M |
| Total DebtLower is stronger | $154.1M | — |
| Stockholders' EquityBook value | $755.3M | $390.1M |
| Total Assets | $1.2B | $3.3B |
| Debt / EquityLower = less leverage | 0.20× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.5M | $105.5M | ||
| Q3 25 | $32.7M | $104.6M | ||
| Q2 25 | $22.9M | $96.8M | ||
| Q1 25 | $23.9M | $78.5M | ||
| Q4 24 | $12.8M | $60.0M | ||
| Q3 24 | $30.7M | $71.8M | ||
| Q2 24 | $23.9M | $72.9M | ||
| Q1 24 | $23.8M | $69.2M |
| Q4 25 | $154.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $187.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $755.3M | $390.1M | ||
| Q3 25 | $775.6M | $383.9M | ||
| Q2 25 | $786.7M | $376.0M | ||
| Q1 25 | $807.7M | $366.1M | ||
| Q4 24 | $822.6M | $353.8M | ||
| Q3 24 | $825.7M | $327.6M | ||
| Q2 24 | $836.8M | $354.1M | ||
| Q1 24 | $848.8M | $382.0M |
| Q4 25 | $1.2B | $3.3B | ||
| Q3 25 | $1.3B | $3.2B | ||
| Q2 25 | $1.3B | $3.2B | ||
| Q1 25 | $1.3B | $3.2B | ||
| Q4 24 | $1.3B | $3.2B | ||
| Q3 24 | $1.4B | $3.3B | ||
| Q2 24 | $1.4B | $3.3B | ||
| Q1 24 | $1.5B | $3.3B |
| Q4 25 | 0.20× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.23× | — | ||
| 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 | $14.9M | $413.4M |
| Free Cash FlowOCF − Capex | $-44.2M | — |
| FCF MarginFCF / Revenue | -24.6% | — |
| Capex IntensityCapex / Revenue | 33.0% | — |
| Cash ConversionOCF / Net Profit | — | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $-66.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.9M | $413.4M | ||
| Q3 25 | $27.5M | $99.0M | ||
| Q2 25 | $21.0M | $104.5M | ||
| Q1 25 | $25.8M | $101.0M | ||
| Q4 24 | $37.8M | $393.5M | ||
| Q3 24 | $35.6M | $108.5M | ||
| Q2 24 | $40.0M | $107.7M | ||
| Q1 24 | $31.0M | $85.9M |
| Q4 25 | $-44.2M | — | ||
| Q3 25 | $-12.2M | — | ||
| Q2 25 | $-12.8M | — | ||
| Q1 25 | $2.3M | — | ||
| Q4 24 | $-45.5M | — | ||
| Q3 24 | $24.6M | — | ||
| Q2 24 | $29.4M | — | ||
| Q1 24 | $26.3M | — |
| Q4 25 | -24.6% | — | ||
| Q3 25 | -6.2% | — | ||
| Q2 25 | -6.1% | — | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | -18.8% | — | ||
| Q3 24 | 9.5% | — | ||
| Q2 24 | 10.7% | — | ||
| Q1 24 | 9.7% | — |
| Q4 25 | 33.0% | — | ||
| Q3 25 | 20.2% | — | ||
| Q2 25 | 16.1% | — | ||
| Q1 25 | 10.7% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 4.2% | — | ||
| Q2 24 | 3.8% | — | ||
| Q1 24 | 1.7% | — |
| 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.
