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Side-by-side financial comparison of Loar Holdings Inc. (LOAR) 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 $131.8M, roughly 1.9× Loar Holdings Inc.). Loar Holdings Inc. runs the higher net margin — 9.5% vs 1.4%, a 8.1% gap on every dollar of revenue. On growth, Loar Holdings Inc. posted the faster year-over-year revenue change (19.3% vs -1.3%). Over the past eight quarters, Loar Holdings Inc.'s revenue compounded faster (19.8% CAGR vs -0.5%).
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.
LOAR vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $131.8M | $247.7M |
| Net Profit | $12.5M | $3.4M |
| Gross Margin | 52.1% | — |
| Operating Margin | 18.0% | 2.6% |
| Net Margin | 9.5% | 1.4% |
| Revenue YoY | 19.3% | -1.3% |
| Net Profit YoY | 239.5% | -61.0% |
| EPS (diluted) | $0.13 | $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 | $131.8M | $247.7M | ||
| Q3 25 | $126.8M | $238.7M | ||
| Q2 25 | $123.1M | $234.3M | ||
| Q1 25 | $114.7M | $235.9M | ||
| Q4 24 | $110.4M | $250.9M | ||
| Q3 24 | $103.5M | $250.0M | ||
| Q2 24 | $97.0M | $250.4M | ||
| Q1 24 | $91.8M | $250.5M |
| Q4 25 | $12.5M | $3.4M | ||
| Q3 25 | $27.6M | $5.2M | ||
| Q2 25 | $16.7M | $6.9M | ||
| Q1 25 | $15.3M | $9.8M | ||
| Q4 24 | $3.7M | $8.7M | ||
| Q3 24 | $8.7M | $-30.0M | ||
| Q2 24 | $7.6M | $-31.0M | ||
| Q1 24 | $2.2M | $-26.4M |
| Q4 25 | 52.1% | — | ||
| Q3 25 | 52.7% | — | ||
| Q2 25 | 53.8% | — | ||
| Q1 25 | 52.1% | — | ||
| Q4 24 | 48.9% | — | ||
| Q3 24 | 51.1% | — | ||
| Q2 24 | 49.0% | — | ||
| Q1 24 | 48.4% | — |
| Q4 25 | 18.0% | 2.6% | ||
| Q3 25 | 22.9% | 6.0% | ||
| Q2 25 | 22.2% | 4.3% | ||
| Q1 25 | 22.8% | 5.6% | ||
| Q4 24 | 19.2% | 89.6% | ||
| Q3 24 | 22.1% | -15.8% | ||
| Q2 24 | 22.9% | -19.6% | ||
| Q1 24 | 23.3% | -12.2% |
| Q4 25 | 9.5% | 1.4% | ||
| Q3 25 | 21.8% | 2.2% | ||
| Q2 25 | 13.6% | 2.9% | ||
| Q1 25 | 13.4% | 4.1% | ||
| Q4 24 | 3.3% | 200.1% | ||
| Q3 24 | 8.4% | -12.0% | ||
| Q2 24 | 7.9% | -12.4% | ||
| Q1 24 | 2.4% | -10.6% |
| Q4 25 | $0.13 | $0.07 | ||
| Q3 25 | $0.29 | $0.11 | ||
| Q2 25 | $0.17 | $0.14 | ||
| Q1 25 | $0.16 | $0.21 | ||
| Q4 24 | $-11023.48 | $0.26 | ||
| Q3 24 | $0.09 | $-0.75 | ||
| Q2 24 | $0.09 | $-0.78 | ||
| Q1 24 | $11023.54 | $-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 | $84.8M | $105.5M |
| Total DebtLower is stronger | $715.7M | — |
| Stockholders' EquityBook value | $1.2B | $390.1M |
| Total Assets | $2.0B | $3.3B |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $84.8M | $105.5M | ||
| Q3 25 | $99.0M | $104.6M | ||
| Q2 25 | $103.3M | $96.8M | ||
| Q1 25 | $80.5M | $78.5M | ||
| Q4 24 | $54.1M | $60.0M | ||
| Q3 24 | $55.2M | $71.8M | ||
| Q2 24 | $73.2M | $72.9M | ||
| Q1 24 | $28.2M | $69.2M |
| Q4 25 | $715.7M | — | ||
| Q3 25 | $279.4M | — | ||
| Q2 25 | $277.7M | — | ||
| Q1 25 | $277.5M | — | ||
| Q4 24 | $277.3M | — | ||
| Q3 24 | $602.1M | — | ||
| Q2 24 | $250.7M | — | ||
| Q1 24 | $534.2M | — |
| Q4 25 | $1.2B | $390.1M | ||
| Q3 25 | $1.2B | $383.9M | ||
| Q2 25 | $1.1B | $376.0M | ||
| Q1 25 | $1.1B | $366.1M | ||
| Q4 24 | $1.1B | $353.8M | ||
| Q3 24 | $769.8M | $327.6M | ||
| Q2 24 | $758.4M | $354.1M | ||
| Q1 24 | $420.6M | $382.0M |
| Q4 25 | $2.0B | $3.3B | ||
| Q3 25 | $1.5B | $3.2B | ||
| Q2 25 | $1.5B | $3.2B | ||
| Q1 25 | $1.5B | $3.2B | ||
| Q4 24 | $1.5B | $3.2B | ||
| Q3 24 | $1.5B | $3.3B | ||
| Q2 24 | $1.1B | $3.3B | ||
| Q1 24 | $1.1B | $3.3B |
| Q4 25 | 0.61× | — | ||
| Q3 25 | 0.24× | — | ||
| Q2 25 | 0.25× | — | ||
| Q1 25 | 0.25× | — | ||
| Q4 24 | 0.25× | — | ||
| Q3 24 | 0.78× | — | ||
| Q2 24 | 0.33× | — | ||
| Q1 24 | 1.27× | — |
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 | $30.4M | $413.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 2.43× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $30.4M | $413.4M | ||
| Q3 25 | $29.7M | $99.0M | ||
| Q2 25 | $23.8M | $104.5M | ||
| Q1 25 | $28.4M | $101.0M | ||
| Q4 24 | $20.7M | $393.5M | ||
| Q3 24 | $16.3M | $108.5M | ||
| Q2 24 | $7.1M | $107.7M | ||
| Q1 24 | $10.8M | $85.9M |
| Q4 25 | 2.43× | 121.45× | ||
| Q3 25 | 1.08× | 19.05× | ||
| Q2 25 | 1.42× | 15.20× | ||
| Q1 25 | 1.85× | 10.34× | ||
| Q4 24 | 5.62× | 45.04× | ||
| Q3 24 | 1.89× | — | ||
| Q2 24 | 0.93× | — | ||
| Q1 24 | 4.81× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOAR
| Other | $76.8M | 58% |
| Commercial Aerospace | $21.2M | 16% |
| Business Jet And General Aviation | $17.6M | 13% |
| Defense | $16.2M | 12% |
OPRT
Segment breakdown not available.
