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Side-by-side financial comparison of International Money Express, Inc. (IMXI) 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 $147.4M, roughly 1.7× International Money Express, Inc.). International Money Express, Inc. runs the higher net margin — 6.1% vs 1.4%, a 4.7% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -10.5%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -1.0%).
American Express Company or Amex is an American bank holding company and multinational financial services corporation that specializes in payment cards. It is headquartered at 200 Vesey Street, also known as American Express Tower, in the Battery Park City neighborhood of Lower Manhattan.
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.
IMXI vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $147.4M | $247.7M |
| Net Profit | $8.9M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | 7.9% | 2.6% |
| Net Margin | 6.1% | 1.4% |
| Revenue YoY | -10.5% | -1.3% |
| Net Profit YoY | -41.9% | -61.0% |
| EPS (diluted) | $0.29 | $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 | $147.4M | $247.7M | ||
| Q3 25 | $154.9M | $238.7M | ||
| Q2 25 | $161.1M | $234.3M | ||
| Q1 25 | $144.3M | $235.9M | ||
| Q4 24 | $164.8M | $250.9M | ||
| Q3 24 | $171.9M | $250.0M | ||
| Q2 24 | $171.5M | $250.4M | ||
| Q1 24 | $150.4M | $250.5M |
| Q4 25 | $8.9M | $3.4M | ||
| Q3 25 | $5.0M | $5.2M | ||
| Q2 25 | $11.0M | $6.9M | ||
| Q1 25 | $7.8M | $9.8M | ||
| Q4 24 | $15.4M | $8.7M | ||
| Q3 24 | $17.3M | $-30.0M | ||
| Q2 24 | $14.0M | $-31.0M | ||
| Q1 24 | $12.1M | $-26.4M |
| Q4 25 | 7.9% | 2.6% | ||
| Q3 25 | 6.8% | 6.0% | ||
| Q2 25 | 12.1% | 4.3% | ||
| Q1 25 | 9.8% | 5.6% | ||
| Q4 24 | 15.0% | 89.6% | ||
| Q3 24 | 16.2% | -15.8% | ||
| Q2 24 | 13.4% | -19.6% | ||
| Q1 24 | 13.0% | -12.2% |
| Q4 25 | 6.1% | 1.4% | ||
| Q3 25 | 3.2% | 2.2% | ||
| Q2 25 | 6.8% | 2.9% | ||
| Q1 25 | 5.4% | 4.1% | ||
| Q4 24 | 9.3% | 200.1% | ||
| Q3 24 | 10.1% | -12.0% | ||
| Q2 24 | 8.2% | -12.4% | ||
| Q1 24 | 8.0% | -10.6% |
| Q4 25 | $0.29 | $0.07 | ||
| Q3 25 | $0.17 | $0.11 | ||
| Q2 25 | $0.37 | $0.14 | ||
| Q1 25 | $0.25 | $0.21 | ||
| Q4 24 | $0.49 | $0.26 | ||
| Q3 24 | $0.53 | $-0.75 | ||
| Q2 24 | $0.42 | $-0.78 | ||
| Q1 24 | $0.35 | $-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 | $168.7M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $161.1M | $390.1M |
| Total Assets | $517.7M | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $168.7M | $105.5M | ||
| Q3 25 | — | $104.6M | ||
| Q2 25 | — | $96.8M | ||
| Q1 25 | — | $78.5M | ||
| Q4 24 | $130.5M | $60.0M | ||
| Q3 24 | — | $71.8M | ||
| Q2 24 | — | $72.9M | ||
| Q1 24 | — | $69.2M |
| Q4 25 | $161.1M | $390.1M | ||
| Q3 25 | $149.7M | $383.9M | ||
| Q2 25 | $142.3M | $376.0M | ||
| Q1 25 | $139.2M | $366.1M | ||
| Q4 24 | $134.9M | $353.8M | ||
| Q3 24 | $141.8M | $327.6M | ||
| Q2 24 | $142.4M | $354.1M | ||
| Q1 24 | $138.2M | $382.0M |
| Q4 25 | $517.7M | $3.3B | ||
| Q3 25 | $478.7M | $3.2B | ||
| Q2 25 | $518.0M | $3.2B | ||
| Q1 25 | $490.6M | $3.2B | ||
| Q4 24 | $462.4M | $3.2B | ||
| Q3 24 | $480.9M | $3.3B | ||
| Q2 24 | $612.4M | $3.3B | ||
| Q1 24 | $548.7M | $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 | $-15.6M | $413.4M |
| Free Cash FlowOCF − Capex | $-20.0M | — |
| FCF MarginFCF / Revenue | -13.6% | — |
| Capex IntensityCapex / Revenue | 3.0% | — |
| Cash ConversionOCF / Net Profit | -1.75× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $15.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-15.6M | $413.4M | ||
| Q3 25 | $-28.7M | $99.0M | ||
| Q2 25 | $39.9M | $104.5M | ||
| Q1 25 | $41.3M | $101.0M | ||
| Q4 24 | $-4.9M | $393.5M | ||
| Q3 24 | $29.3M | $108.5M | ||
| Q2 24 | $-19.6M | $107.7M | ||
| Q1 24 | $48.2M | $85.9M |
| Q4 25 | $-20.0M | — | ||
| Q3 25 | $-35.5M | — | ||
| Q2 25 | $35.3M | — | ||
| Q1 25 | $36.0M | — | ||
| Q4 24 | $-8.8M | — | ||
| Q3 24 | $23.4M | — | ||
| Q2 24 | $-26.2M | — | ||
| Q1 24 | $34.8M | — |
| Q4 25 | -13.6% | — | ||
| Q3 25 | -22.9% | — | ||
| Q2 25 | 21.9% | — | ||
| Q1 25 | 25.0% | — | ||
| Q4 24 | -5.4% | — | ||
| Q3 24 | 13.6% | — | ||
| Q2 24 | -15.3% | — | ||
| Q1 24 | 23.1% | — |
| Q4 25 | 3.0% | — | ||
| Q3 25 | 4.4% | — | ||
| Q2 25 | 2.8% | — | ||
| Q1 25 | 3.7% | — | ||
| Q4 24 | 2.4% | — | ||
| Q3 24 | 3.4% | — | ||
| Q2 24 | 3.9% | — | ||
| Q1 24 | 9.0% | — |
| Q4 25 | -1.75× | 121.45× | ||
| Q3 25 | -5.78× | 19.05× | ||
| Q2 25 | 3.63× | 15.20× | ||
| Q1 25 | 5.31× | 10.34× | ||
| Q4 24 | -0.32× | 45.04× | ||
| Q3 24 | 1.69× | — | ||
| Q2 24 | -1.39× | — | ||
| Q1 24 | 3.98× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
IMXI
| Wire Transfer And Money Order | $121.2M | 82% |
| Other | $21.0M | 14% |
| Financial Service Other | $5.2M | 4% |
OPRT
Segment breakdown not available.
