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Side-by-side financial comparison of MAGIC SOFTWARE ENTERPRISES LTD (MGIC) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
MAGIC SOFTWARE ENTERPRISES LTD is the larger business by last-quarter revenue ($419.6M vs $247.7M, roughly 1.7× Oportun Financial Corp). MAGIC SOFTWARE ENTERPRISES LTD runs the higher net margin — 8.4% vs 1.4%, a 7.0% gap on every dollar of revenue.
Magic Software Enterprises provides low-code integration and data management platforms that simplify the connection between legacy on-premise systems and modern cloud applications. Its flagship products — Magic xpi Integration Platform and FactoryEye Smart Factory Solution, enable enterprises to achieve end-to-end visibility, faster cloud migration, and managed integration services.
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.
MGIC vs OPRT — Head-to-Head
Income Statement — Q3 FY2023 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $419.6M | $247.7M |
| Net Profit | $35.3M | $3.4M |
| Gross Margin | 27.1% | — |
| Operating Margin | 11.3% | 2.6% |
| Net Margin | 8.4% | 1.4% |
| Revenue YoY | — | -1.3% |
| Net Profit YoY | — | -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 | — | $247.7M | ||
| Q3 25 | — | $238.7M | ||
| Q2 25 | — | $234.3M | ||
| Q1 25 | — | $235.9M | ||
| Q4 24 | — | $250.9M | ||
| Q3 24 | — | $250.0M | ||
| Q2 24 | — | $250.4M | ||
| Q1 24 | — | $250.5M |
| Q4 25 | — | $3.4M | ||
| Q3 25 | — | $5.2M | ||
| Q2 25 | — | $6.9M | ||
| Q1 25 | — | $9.8M | ||
| Q4 24 | — | $8.7M | ||
| Q3 24 | — | $-30.0M | ||
| Q2 24 | — | $-31.0M | ||
| Q1 24 | — | $-26.4M |
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 6.0% | ||
| Q2 25 | — | 4.3% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | -15.8% | ||
| Q2 24 | — | -19.6% | ||
| Q1 24 | — | -12.2% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 4.1% | ||
| Q4 24 | — | 200.1% | ||
| Q3 24 | — | -12.0% | ||
| Q2 24 | — | -12.4% | ||
| Q1 24 | — | -10.6% |
| Q4 25 | — | $0.07 | ||
| Q3 25 | — | $0.11 | ||
| Q2 25 | — | $0.14 | ||
| Q1 25 | — | $0.21 | ||
| Q4 24 | — | $0.26 | ||
| Q3 24 | — | $-0.75 | ||
| Q2 24 | — | $-0.78 | ||
| Q1 24 | — | $-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 | $83.1M | $105.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $276.3M | $390.1M |
| Total Assets | $505.1M | $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 | — | $71.8M | ||
| Q2 24 | — | $72.9M | ||
| Q1 24 | — | $69.2M |
| Q4 25 | — | $390.1M | ||
| Q3 25 | — | $383.9M | ||
| Q2 25 | — | $376.0M | ||
| Q1 25 | — | $366.1M | ||
| Q4 24 | — | $353.8M | ||
| Q3 24 | — | $327.6M | ||
| Q2 24 | — | $354.1M | ||
| Q1 24 | — | $382.0M |
| Q4 25 | — | $3.3B | ||
| Q3 25 | — | $3.2B | ||
| Q2 25 | — | $3.2B | ||
| Q1 25 | — | $3.2B | ||
| Q4 24 | — | $3.2B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $3.3B | ||
| Q1 24 | — | $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 | $40.3M | $413.4M |
| Free Cash FlowOCF − Capex | $37.0M | — |
| FCF MarginFCF / Revenue | 8.8% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | 1.14× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $98.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $413.4M | ||
| Q3 25 | — | $99.0M | ||
| Q2 25 | — | $104.5M | ||
| Q1 25 | — | $101.0M | ||
| Q4 24 | — | $393.5M | ||
| Q3 24 | — | $108.5M | ||
| Q2 24 | — | $107.7M | ||
| Q1 24 | — | $85.9M |
| Q4 25 | — | 121.45× | ||
| Q3 25 | — | 19.05× | ||
| Q2 25 | — | 15.20× | ||
| Q1 25 | — | 10.34× | ||
| Q4 24 | — | 45.04× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
