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Side-by-side financial comparison of Janus International Group, Inc. (JBI) 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 $219.3M, roughly 1.1× Janus International Group, Inc.). Janus International Group, Inc. runs the higher net margin — 6.9% vs 1.4%, a 5.6% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -4.7%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -8.8%).
Janus Henderson is a British-American global asset management group headquartered in the City of London, United Kingdom. It offers a range of financial products to individuals, intermediary advisors, and institutional investors globally under the trade name Janus Henderson Investors.
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.
JBI vs OPRT — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $219.3M | $247.7M |
| Net Profit | $15.2M | $3.4M |
| Gross Margin | 39.1% | — |
| Operating Margin | 13.4% | 2.6% |
| Net Margin | 6.9% | 1.4% |
| Revenue YoY | -4.7% | -1.3% |
| Net Profit YoY | 28.8% | -61.0% |
| EPS (diluted) | $0.11 | $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 | — | $247.7M | ||
| Q3 25 | $219.3M | $238.7M | ||
| Q2 25 | $228.1M | $234.3M | ||
| Q1 25 | $210.5M | $235.9M | ||
| Q4 24 | $230.8M | $250.9M | ||
| Q3 24 | $230.1M | $250.0M | ||
| Q2 24 | $248.4M | $250.4M | ||
| Q1 24 | $254.5M | $250.5M |
| Q4 25 | — | $3.4M | ||
| Q3 25 | $15.2M | $5.2M | ||
| Q2 25 | $20.7M | $6.9M | ||
| Q1 25 | $10.8M | $9.8M | ||
| Q4 24 | $300.0K | $8.7M | ||
| Q3 24 | $11.8M | $-30.0M | ||
| Q2 24 | $27.6M | $-31.0M | ||
| Q1 24 | $30.7M | $-26.4M |
| Q4 25 | — | — | ||
| Q3 25 | 39.1% | — | ||
| Q2 25 | 40.9% | — | ||
| Q1 25 | 38.9% | — | ||
| Q4 24 | 37.8% | — | ||
| Q3 24 | 39.6% | — | ||
| Q2 24 | 43.9% | — | ||
| Q1 24 | 43.4% | — |
| Q4 25 | — | 2.6% | ||
| Q3 25 | 13.4% | 6.0% | ||
| Q2 25 | 15.8% | 4.3% | ||
| Q1 25 | 12.0% | 5.6% | ||
| Q4 24 | 5.5% | 89.6% | ||
| Q3 24 | 11.6% | -15.8% | ||
| Q2 24 | 20.8% | -19.6% | ||
| Q1 24 | 21.8% | -12.2% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | 6.9% | 2.2% | ||
| Q2 25 | 9.1% | 2.9% | ||
| Q1 25 | 5.1% | 4.1% | ||
| Q4 24 | 0.1% | 200.1% | ||
| Q3 24 | 5.1% | -12.0% | ||
| Q2 24 | 11.1% | -12.4% | ||
| Q1 24 | 12.1% | -10.6% |
| Q4 25 | — | $0.07 | ||
| Q3 25 | $0.11 | $0.11 | ||
| Q2 25 | $0.15 | $0.14 | ||
| Q1 25 | $0.08 | $0.21 | ||
| Q4 24 | $0.01 | $0.26 | ||
| Q3 24 | $0.08 | $-0.75 | ||
| Q2 24 | $0.19 | $-0.78 | ||
| Q1 24 | $0.21 | $-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 | — | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $560.8M | $390.1M |
| Total Assets | $1.3B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $105.5M | ||
| Q3 25 | — | $104.6M | ||
| Q2 25 | — | $96.8M | ||
| Q1 25 | — | $78.5M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | $102.1M | $71.8M | ||
| Q2 24 | $110.1M | $72.9M | ||
| Q1 24 | — | $69.2M |
| Q4 25 | — | $390.1M | ||
| Q3 25 | $560.8M | $383.9M | ||
| Q2 25 | $543.8M | $376.0M | ||
| Q1 25 | $526.8M | $366.1M | ||
| Q4 24 | $518.8M | $353.8M | ||
| Q3 24 | $526.6M | $327.6M | ||
| Q2 24 | $556.3M | $354.1M | ||
| Q1 24 | $535.4M | $382.0M |
| Q4 25 | — | $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 | $1.3B | $3.3B | ||
| Q2 24 | $1.3B | $3.3B | ||
| Q1 24 | $1.4B | $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 | $15.0M | $413.4M |
| Free Cash FlowOCF − Capex | $8.3M | — |
| FCF MarginFCF / Revenue | 3.8% | — |
| Capex IntensityCapex / Revenue | 3.1% | — |
| Cash ConversionOCF / Net Profit | 0.99× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $140.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $413.4M | ||
| Q3 25 | $15.0M | $99.0M | ||
| Q2 25 | $51.4M | $104.5M | ||
| Q1 25 | $48.3M | $101.0M | ||
| Q4 24 | $51.4M | $393.5M | ||
| Q3 24 | $43.0M | $108.5M | ||
| Q2 24 | $31.0M | $107.7M | ||
| Q1 24 | $28.6M | $85.9M |
| Q4 25 | — | — | ||
| Q3 25 | $8.3M | — | ||
| Q2 25 | $44.6M | — | ||
| Q1 25 | $41.9M | — | ||
| Q4 24 | $45.3M | — | ||
| Q3 24 | $39.3M | — | ||
| Q2 24 | $25.3M | — | ||
| Q1 24 | $24.0M | — |
| Q4 25 | — | — | ||
| Q3 25 | 3.8% | — | ||
| Q2 25 | 19.6% | — | ||
| Q1 25 | 19.9% | — | ||
| Q4 24 | 19.6% | — | ||
| Q3 24 | 17.1% | — | ||
| Q2 24 | 10.2% | — | ||
| Q1 24 | 9.4% | — |
| Q4 25 | — | — | ||
| Q3 25 | 3.1% | — | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 3.0% | — | ||
| Q4 24 | 2.6% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 2.3% | — | ||
| Q1 24 | 1.8% | — |
| Q4 25 | — | 121.45× | ||
| Q3 25 | 0.99× | 19.05× | ||
| Q2 25 | 2.48× | 15.20× | ||
| Q1 25 | 4.47× | 10.34× | ||
| Q4 24 | 171.33× | 45.04× | ||
| Q3 24 | 3.64× | — | ||
| Q2 24 | 1.12× | — | ||
| Q1 24 | 0.93× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
JBI
| Self Storage New Construction | $72.3M | 33% |
| Commercial And Others | $65.5M | 30% |
| Self Storage R3 | $54.0M | 25% |
| Transferred At Point In Time | $15.5M | 7% |
| Transferred Over Time | $12.8M | 6% |
OPRT
Segment breakdown not available.
