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Side-by-side financial comparison of H2O AMERICA (HTO) 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 $199.4M, roughly 1.2× H2O AMERICA). H2O AMERICA runs the higher net margin — 8.1% vs 1.4%, a 6.8% gap on every dollar of revenue. On growth, H2O AMERICA posted the faster year-over-year revenue change (1.5% vs -1.3%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs -0.5%).
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
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.
HTO vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $199.4M | $247.7M |
| Net Profit | $16.2M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | 16.6% | 2.6% |
| Net Margin | 8.1% | 1.4% |
| Revenue YoY | 1.5% | -1.3% |
| Net Profit YoY | -29.2% | -61.0% |
| EPS (diluted) | $0.45 | $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 | $199.4M | $247.7M | ||
| Q3 25 | $243.5M | $238.7M | ||
| Q2 25 | $197.8M | $234.3M | ||
| Q1 25 | $164.9M | $235.9M | ||
| Q4 24 | $196.5M | $250.9M | ||
| Q3 24 | $216.7M | $250.0M | ||
| Q2 24 | $173.1M | $250.4M | ||
| Q1 24 | $150.0M | $250.5M |
| Q4 25 | $16.2M | $3.4M | ||
| Q3 25 | $45.1M | $5.2M | ||
| Q2 25 | $24.7M | $6.9M | ||
| Q1 25 | $16.6M | $9.8M | ||
| Q4 24 | $22.9M | $8.7M | ||
| Q3 24 | $38.7M | $-30.0M | ||
| Q2 24 | $20.7M | $-31.0M | ||
| Q1 24 | $11.7M | $-26.4M |
| Q4 25 | 16.6% | 2.6% | ||
| Q3 25 | 26.5% | 6.0% | ||
| Q2 25 | 22.2% | 4.3% | ||
| Q1 25 | 21.8% | 5.6% | ||
| Q4 24 | 22.2% | 89.6% | ||
| Q3 24 | 26.9% | -15.8% | ||
| Q2 24 | 23.4% | -19.6% | ||
| Q1 24 | 18.6% | -12.2% |
| Q4 25 | 8.1% | 1.4% | ||
| Q3 25 | 18.5% | 2.2% | ||
| Q2 25 | 12.5% | 2.9% | ||
| Q1 25 | 10.0% | 4.1% | ||
| Q4 24 | 11.7% | 200.1% | ||
| Q3 24 | 17.8% | -12.0% | ||
| Q2 24 | 12.0% | -12.4% | ||
| Q1 24 | 7.8% | -10.6% |
| Q4 25 | $0.45 | $0.07 | ||
| Q3 25 | $1.27 | $0.11 | ||
| Q2 25 | $0.71 | $0.14 | ||
| Q1 25 | $0.49 | $0.21 | ||
| Q4 24 | $0.70 | $0.26 | ||
| Q3 24 | $1.17 | $-0.75 | ||
| Q2 24 | $0.64 | $-0.78 | ||
| Q1 24 | $0.36 | $-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 | $20.7M | $105.5M |
| Total DebtLower is stronger | $1.9B | — |
| Stockholders' EquityBook value | $1.5B | $390.1M |
| Total Assets | $5.1B | $3.3B |
| Debt / EquityLower = less leverage | 1.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.7M | $105.5M | ||
| Q3 25 | $11.3M | $104.6M | ||
| Q2 25 | $19.8M | $96.8M | ||
| Q1 25 | $23.7M | $78.5M | ||
| Q4 24 | $11.1M | $60.0M | ||
| Q3 24 | $4.0M | $71.8M | ||
| Q2 24 | $22.8M | $72.9M | ||
| Q1 24 | $4.5M | $69.2M |
| Q4 25 | $1.9B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | $390.1M | ||
| Q3 25 | $1.5B | $383.9M | ||
| Q2 25 | $1.5B | $376.0M | ||
| Q1 25 | $1.4B | $366.1M | ||
| Q4 24 | $1.4B | $353.8M | ||
| Q3 24 | $1.3B | $327.6M | ||
| Q2 24 | $1.3B | $354.1M | ||
| Q1 24 | $1.2B | $382.0M |
| Q4 25 | $5.1B | $3.3B | ||
| Q3 25 | $5.0B | $3.2B | ||
| Q2 25 | $4.8B | $3.2B | ||
| Q1 25 | $4.7B | $3.2B | ||
| Q4 24 | $4.7B | $3.2B | ||
| Q3 24 | $4.6B | $3.3B | ||
| Q2 24 | $4.4B | $3.3B | ||
| Q1 24 | $4.4B | $3.3B |
| Q4 25 | 1.23× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.26× | — | ||
| 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 | $63.5M | $413.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 3.92× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.5M | $413.4M | ||
| Q3 25 | $77.3M | $99.0M | ||
| Q2 25 | $60.8M | $104.5M | ||
| Q1 25 | $43.2M | $101.0M | ||
| Q4 24 | $41.5M | $393.5M | ||
| Q3 24 | $53.5M | $108.5M | ||
| Q2 24 | $49.3M | $107.7M | ||
| Q1 24 | $51.2M | $85.9M |
| Q4 25 | 3.92× | 121.45× | ||
| Q3 25 | 1.71× | 19.05× | ||
| Q2 25 | 2.47× | 15.20× | ||
| Q1 25 | 2.61× | 10.34× | ||
| Q4 24 | 1.81× | 45.04× | ||
| Q3 24 | 1.39× | — | ||
| Q2 24 | 2.38× | — | ||
| Q1 24 | 4.38× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
OPRT
Segment breakdown not available.
