vs
Side-by-side financial comparison of NEW JERSEY RESOURCES CORP (NJR) and Oportun Financial Corp (OPRT). Click either name above to swap in a different company.
NEW JERSEY RESOURCES CORP is the larger business by last-quarter revenue ($440.9M vs $247.7M, roughly 1.8× Oportun Financial Corp). NEW JERSEY RESOURCES CORP runs the higher net margin — 27.8% vs 1.4%, a 26.4% gap on every dollar of revenue. On growth, NEW JERSEY RESOURCES CORP posted the faster year-over-year revenue change (22.8% vs -1.3%). Over the past eight quarters, NEW JERSEY RESOURCES CORP's revenue compounded faster (0.9% CAGR vs -0.5%).
New Jersey Resources is an energy services holding company based in Wall Township, New Jersey. It is a Fortune 1000 company, and a member of the Forbes Platinum 400. New Jersey Natural Gas is its principal subsidiary.
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.
NJR vs OPRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $440.9M | $247.7M |
| Net Profit | $122.5M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | 40.6% | 2.6% |
| Net Margin | 27.8% | 1.4% |
| Revenue YoY | 22.8% | -1.3% |
| Net Profit YoY | -6.7% | -61.0% |
| EPS (diluted) | $1.21 | $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 | $440.9M | $247.7M | ||
| Q3 25 | $188.3M | $238.7M | ||
| Q2 25 | $234.8M | $234.3M | ||
| Q1 25 | $569.2M | $235.9M | ||
| Q4 24 | $359.0M | $250.9M | ||
| Q3 24 | $265.7M | $250.0M | ||
| Q2 24 | $209.9M | $250.4M | ||
| Q1 24 | $433.2M | $250.5M |
| Q4 25 | $122.5M | $3.4M | ||
| Q3 25 | $15.1M | $5.2M | ||
| Q2 25 | $-15.1M | $6.9M | ||
| Q1 25 | $204.3M | $9.8M | ||
| Q4 24 | $131.3M | $8.7M | ||
| Q3 24 | $91.1M | $-30.0M | ||
| Q2 24 | $-11.6M | $-31.0M | ||
| Q1 24 | $120.8M | $-26.4M |
| Q4 25 | 40.6% | 2.6% | ||
| Q3 25 | 21.5% | 6.0% | ||
| Q2 25 | -0.5% | 4.3% | ||
| Q1 25 | 49.2% | 5.6% | ||
| Q4 24 | 52.8% | 89.6% | ||
| Q3 24 | 55.0% | -15.8% | ||
| Q2 24 | 2.8% | -19.6% | ||
| Q1 24 | 39.3% | -12.2% |
| Q4 25 | 27.8% | 1.4% | ||
| Q3 25 | 8.0% | 2.2% | ||
| Q2 25 | -6.4% | 2.9% | ||
| Q1 25 | 35.9% | 4.1% | ||
| Q4 24 | 36.6% | 200.1% | ||
| Q3 24 | 34.3% | -12.0% | ||
| Q2 24 | -5.5% | -12.4% | ||
| Q1 24 | 27.9% | -10.6% |
| Q4 25 | $1.21 | $0.07 | ||
| Q3 25 | $0.15 | $0.11 | ||
| Q2 25 | $-0.15 | $0.14 | ||
| Q1 25 | $2.02 | $0.21 | ||
| Q4 24 | $1.31 | $0.26 | ||
| Q3 24 | $0.91 | $-0.75 | ||
| Q2 24 | $-0.12 | $-0.78 | ||
| Q1 24 | $1.22 | $-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 | $2.4M | $105.5M |
| Total DebtLower is stronger | $3.3B | — |
| Stockholders' EquityBook value | $2.5B | $390.1M |
| Total Assets | $7.9B | $3.3B |
| Debt / EquityLower = less leverage | 1.32× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.4M | $105.5M | ||
| Q3 25 | $591.0K | $104.6M | ||
| Q2 25 | $931.0K | $96.8M | ||
| Q1 25 | $83.7M | $78.5M | ||
| Q4 24 | $1.9M | $60.0M | ||
| Q3 24 | $1.0M | $71.8M | ||
| Q2 24 | $22.4M | $72.9M | ||
| Q1 24 | $5.0M | $69.2M |
| Q4 25 | $3.3B | — | ||
| Q3 25 | $3.3B | — | ||
| Q2 25 | $3.0B | — | ||
| Q1 25 | $3.0B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $2.9B | — | ||
| Q2 24 | $2.8B | — | ||
| Q1 24 | $2.7B | — |
| Q4 25 | $2.5B | $390.1M | ||
| Q3 25 | $2.4B | $383.9M | ||
| Q2 25 | $2.4B | $376.0M | ||
| Q1 25 | $2.5B | $366.1M | ||
| Q4 24 | $2.3B | $353.8M | ||
| Q3 24 | $2.2B | $327.6M | ||
| Q2 24 | $2.1B | $354.1M | ||
| Q1 24 | $2.2B | $382.0M |
| Q4 25 | $7.9B | $3.3B | ||
| Q3 25 | $7.6B | $3.2B | ||
| Q2 25 | $7.3B | $3.2B | ||
| Q1 25 | $7.3B | $3.2B | ||
| Q4 24 | $7.2B | $3.2B | ||
| Q3 24 | $7.0B | $3.3B | ||
| Q2 24 | $6.8B | $3.3B | ||
| Q1 24 | $6.6B | $3.3B |
| Q4 25 | 1.32× | — | ||
| Q3 25 | 1.36× | — | ||
| Q2 25 | 1.25× | — | ||
| Q1 25 | 1.20× | — | ||
| Q4 24 | 1.29× | — | ||
| Q3 24 | 1.31× | — | ||
| Q2 24 | 1.30× | — | ||
| Q1 24 | 1.25× | — |
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 | $26.7M | $413.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 0.22× | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $26.7M | $413.4M | ||
| Q3 25 | $81.2M | $99.0M | ||
| Q2 25 | $-28.9M | $104.5M | ||
| Q1 25 | $423.0M | $101.0M | ||
| Q4 24 | $-9.0M | $393.5M | ||
| Q3 24 | $64.5M | $108.5M | ||
| Q2 24 | $24.3M | $107.7M | ||
| Q1 24 | $292.2M | $85.9M |
| Q4 25 | 0.22× | 121.45× | ||
| Q3 25 | 5.39× | 19.05× | ||
| Q2 25 | — | 15.20× | ||
| Q1 25 | 2.07× | 10.34× | ||
| Q4 24 | -0.07× | 45.04× | ||
| Q3 24 | 0.71× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 2.42× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NJR
| Residential | $284.1M | 64% |
| Commercialand Industrial | $53.4M | 12% |
| Firm Transportation | $34.7M | 8% |
| Storage And Transportation ST Segment | $28.1M | 6% |
| Home Services And Other HSO | $16.0M | 4% |
| Energy Services ES Segment | $12.8M | 3% |
| Installationand Maintenance | $6.6M | 1% |
| Electricity | $5.6M | 1% |
| Renewable Energy Certificates | $3.7M | 1% |
| Interruptibleand Offtariff | $2.4M | 1% |
OPRT
Segment breakdown not available.
