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Side-by-side financial comparison of loanDepot, Inc. (LDI) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
loanDepot, Inc. is the larger business by last-quarter revenue ($310.3M vs $247.7M, roughly 1.3× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs -7.2%, a 8.6% gap on every dollar of revenue. On growth, loanDepot, Inc. posted the faster year-over-year revenue change (20.5% vs -1.3%). Over the past eight quarters, loanDepot, Inc.'s revenue compounded faster (18.0% CAGR vs -0.5%).
LoanDepot, sometimes stylized as loanDepot, is an Irvine, California-based nonbank holding company which sells mortgage and non-mortgage lending products.
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.
LDI vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $310.3M | $247.7M |
| Net Profit | $-22.5M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | -10.3% | 2.6% |
| Net Margin | -7.2% | 1.4% |
| Revenue YoY | 20.5% | -1.3% |
| Net Profit YoY | 32.4% | -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 | $310.3M | $247.7M | ||
| Q3 25 | $323.3M | $238.7M | ||
| Q2 25 | $282.5M | $234.3M | ||
| Q1 25 | $273.6M | $235.9M | ||
| Q4 24 | $257.5M | $250.9M | ||
| Q3 24 | $314.6M | $250.0M | ||
| Q2 24 | $265.4M | $250.4M | ||
| Q1 24 | $222.8M | $250.5M |
| Q4 25 | $-22.5M | $3.4M | ||
| Q3 25 | $-4.9M | $5.2M | ||
| Q2 25 | $-13.4M | $6.9M | ||
| Q1 25 | $-21.9M | $9.8M | ||
| Q4 24 | $-33.2M | $8.7M | ||
| Q3 24 | $1.4M | $-30.0M | ||
| Q2 24 | $-32.2M | $-31.0M | ||
| Q1 24 | $-34.3M | $-26.4M |
| Q4 25 | -10.3% | 2.6% | ||
| Q3 25 | -3.2% | 6.0% | ||
| Q2 25 | -11.4% | 4.3% | ||
| Q1 25 | -16.8% | 5.6% | ||
| Q4 24 | -32.7% | 89.6% | ||
| Q3 24 | 1.1% | -15.8% | ||
| Q2 24 | -29.1% | -19.6% | ||
| Q1 24 | -38.2% | -12.2% |
| Q4 25 | -7.2% | 1.4% | ||
| Q3 25 | -1.5% | 2.2% | ||
| Q2 25 | -4.7% | 2.9% | ||
| Q1 25 | -8.0% | 4.1% | ||
| Q4 24 | -12.9% | 200.1% | ||
| Q3 24 | 0.4% | -12.0% | ||
| Q2 24 | -12.1% | -12.4% | ||
| Q1 24 | -15.4% | -10.6% |
| Q4 25 | — | $0.07 | ||
| Q3 25 | — | $0.11 | ||
| Q2 25 | — | $0.14 | ||
| Q1 25 | — | $0.21 | ||
| Q4 24 | — | $0.26 | ||
| Q3 24 | $0.01 | $-0.75 | ||
| Q2 24 | $-0.18 | $-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 | $337.2M | $105.5M |
| Total DebtLower is stronger | $2.1B | — |
| Stockholders' EquityBook value | $386.0M | $390.1M |
| Total Assets | $6.9B | $3.3B |
| Debt / EquityLower = less leverage | 5.44× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $337.2M | $105.5M | ||
| Q3 25 | $459.2M | $104.6M | ||
| Q2 25 | $408.6M | $96.8M | ||
| Q1 25 | $371.5M | $78.5M | ||
| Q4 24 | $421.6M | $60.0M | ||
| Q3 24 | $483.0M | $71.8M | ||
| Q2 24 | $533.2M | $72.9M | ||
| Q1 24 | $603.7M | $69.2M |
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.1B | — | ||
| Q2 25 | $2.1B | — | ||
| Q1 25 | $2.0B | — | ||
| Q4 24 | $2.0B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $2.3B | — |
| Q4 25 | $386.0M | $390.1M | ||
| Q3 25 | $433.3M | $383.9M | ||
| Q2 25 | $439.1M | $376.0M | ||
| Q1 25 | $469.3M | $366.1M | ||
| Q4 24 | $506.6M | $353.8M | ||
| Q3 24 | $592.0M | $327.6M | ||
| Q2 24 | $578.9M | $354.1M | ||
| Q1 24 | $637.3M | $382.0M |
| Q4 25 | $6.9B | $3.3B | ||
| Q3 25 | $6.2B | $3.2B | ||
| Q2 25 | $6.2B | $3.2B | ||
| Q1 25 | $6.4B | $3.2B | ||
| Q4 24 | $6.3B | $3.2B | ||
| Q3 24 | $6.4B | $3.3B | ||
| Q2 24 | $5.9B | $3.3B | ||
| Q1 24 | $6.2B | $3.3B |
| Q4 25 | 5.44× | — | ||
| Q3 25 | 4.83× | — | ||
| Q2 25 | 4.70× | — | ||
| Q1 25 | 4.30× | — | ||
| Q4 24 | 4.00× | — | ||
| Q3 24 | 3.31× | — | ||
| Q2 24 | 3.41× | — | ||
| Q1 24 | 3.63× | — |
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 | $-638.7M | $413.4M |
| Free Cash FlowOCF − Capex | $-648.0M | — |
| FCF MarginFCF / Revenue | -208.9% | — |
| Capex IntensityCapex / Revenue | 3.0% | — |
| Cash ConversionOCF / Net Profit | — | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $-734.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-638.7M | $413.4M | ||
| Q3 25 | $43.4M | $99.0M | ||
| Q2 25 | $67.6M | $104.5M | ||
| Q1 25 | $-179.9M | $101.0M | ||
| Q4 24 | $47.7M | $393.5M | ||
| Q3 24 | $-349.2M | $108.5M | ||
| Q2 24 | $-278.3M | $107.7M | ||
| Q1 24 | $-278.5M | $85.9M |
| Q4 25 | $-648.0M | — | ||
| Q3 25 | $38.7M | — | ||
| Q2 25 | $61.4M | — | ||
| Q1 25 | $-186.7M | — | ||
| Q4 24 | $40.8M | — | ||
| Q3 24 | $-356.4M | — | ||
| Q2 24 | $-285.7M | — | ||
| Q1 24 | $-283.3M | — |
| Q4 25 | -208.9% | — | ||
| Q3 25 | 12.0% | — | ||
| Q2 25 | 21.7% | — | ||
| Q1 25 | -68.2% | — | ||
| Q4 24 | 15.8% | — | ||
| Q3 24 | -113.3% | — | ||
| Q2 24 | -107.7% | — | ||
| Q1 24 | -127.2% | — |
| Q4 25 | 3.0% | — | ||
| Q3 25 | 1.5% | — | ||
| Q2 25 | 2.2% | — | ||
| Q1 25 | 2.5% | — | ||
| Q4 24 | 2.7% | — | ||
| Q3 24 | 2.3% | — | ||
| Q2 24 | 2.8% | — | ||
| Q1 24 | 2.1% | — |
| Q4 25 | — | 121.45× | ||
| Q3 25 | — | 19.05× | ||
| Q2 25 | — | 15.20× | ||
| Q1 25 | — | 10.34× | ||
| Q4 24 | — | 45.04× | ||
| Q3 24 | -255.05× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
