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Side-by-side financial comparison of OPKO HEALTH, INC. (OPK) 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 $148.5M, roughly 1.7× OPKO HEALTH, INC.). Oportun Financial Corp runs the higher net margin — 1.4% vs -21.1%, a 22.4% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -19.2%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -7.5%).
OPKO Health, Inc. is a medical test and medication company focused on diagnostics and pharmaceuticals. The company is a publicly traded company on NASDAQ and TASE under the symbol "OPK".
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.
OPK vs OPRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $148.5M | $247.7M |
| Net Profit | $-31.3M | $3.4M |
| Gross Margin | 43.1% | — |
| Operating Margin | -25.8% | 2.6% |
| Net Margin | -21.1% | 1.4% |
| Revenue YoY | -19.2% | -1.3% |
| Net Profit YoY | -322.8% | -61.0% |
| EPS (diluted) | $-0.04 | $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 | $148.5M | $247.7M | ||
| Q3 25 | $151.7M | $238.7M | ||
| Q2 25 | $156.8M | $234.3M | ||
| Q1 25 | $150.0M | $235.9M | ||
| Q4 24 | $183.6M | $250.9M | ||
| Q3 24 | $173.6M | $250.0M | ||
| Q2 24 | $182.2M | $250.4M | ||
| Q1 24 | $173.7M | $250.5M |
| Q4 25 | $-31.3M | $3.4M | ||
| Q3 25 | $21.6M | $5.2M | ||
| Q2 25 | $-148.4M | $6.9M | ||
| Q1 25 | $-67.6M | $9.8M | ||
| Q4 24 | $14.0M | $8.7M | ||
| Q3 24 | $24.9M | $-30.0M | ||
| Q2 24 | $-10.3M | $-31.0M | ||
| Q1 24 | $-81.8M | $-26.4M |
| Q4 25 | 43.1% | — | ||
| Q3 25 | 32.9% | — | ||
| Q2 25 | 31.5% | — | ||
| Q1 25 | 28.4% | — | ||
| Q4 24 | 46.1% | — | ||
| Q3 24 | 23.1% | — | ||
| Q2 24 | 28.4% | — | ||
| Q1 24 | 24.2% | — |
| Q4 25 | -25.8% | 2.6% | ||
| Q3 25 | 31.7% | 6.0% | ||
| Q2 25 | -38.3% | 4.3% | ||
| Q1 25 | -44.8% | 5.6% | ||
| Q4 24 | -18.0% | 89.6% | ||
| Q3 24 | 8.2% | -15.8% | ||
| Q2 24 | -33.9% | -19.6% | ||
| Q1 24 | -41.2% | -12.2% |
| Q4 25 | -21.1% | 1.4% | ||
| Q3 25 | 14.3% | 2.2% | ||
| Q2 25 | -94.7% | 2.9% | ||
| Q1 25 | -45.1% | 4.1% | ||
| Q4 24 | 7.6% | 200.1% | ||
| Q3 24 | 14.3% | -12.0% | ||
| Q2 24 | -5.7% | -12.4% | ||
| Q1 24 | -47.1% | -10.6% |
| Q4 25 | $-0.04 | $0.07 | ||
| Q3 25 | $0.03 | $0.11 | ||
| Q2 25 | $-0.19 | $0.14 | ||
| Q1 25 | $-0.10 | $0.21 | ||
| Q4 24 | $0.02 | $0.26 | ||
| Q3 24 | $0.03 | $-0.75 | ||
| Q2 24 | $-0.01 | $-0.78 | ||
| Q1 24 | $-0.12 | $-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 | $364.4M | $105.5M |
| Total DebtLower is stronger | $344.0M | — |
| Stockholders' EquityBook value | $1.3B | $390.1M |
| Total Assets | $1.9B | $3.3B |
| Debt / EquityLower = less leverage | 0.27× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $364.4M | $105.5M | ||
| Q3 25 | $412.0M | $104.6M | ||
| Q2 25 | $267.3M | $96.8M | ||
| Q1 25 | $428.8M | $78.5M | ||
| Q4 24 | $426.6M | $60.0M | ||
| Q3 24 | $400.1M | $71.8M | ||
| Q2 24 | $40.6M | $72.9M | ||
| Q1 24 | $75.6M | $69.2M |
| Q4 25 | $344.0M | — | ||
| Q3 25 | $344.2M | — | ||
| Q2 25 | $343.3M | — | ||
| Q1 25 | $439.2M | — | ||
| Q4 24 | $437.2M | — | ||
| Q3 24 | $441.0M | — | ||
| Q2 24 | $201.9M | — | ||
| Q1 24 | $350.1M | — |
| Q4 25 | $1.3B | $390.1M | ||
| Q3 25 | $1.3B | $383.9M | ||
| Q2 25 | $1.3B | $376.0M | ||
| Q1 25 | $1.3B | $366.1M | ||
| Q4 24 | $1.4B | $353.8M | ||
| Q3 24 | $1.4B | $327.6M | ||
| Q2 24 | $1.4B | $354.1M | ||
| Q1 24 | $1.3B | $382.0M |
| Q4 25 | $1.9B | $3.3B | ||
| Q3 25 | $2.0B | $3.2B | ||
| Q2 25 | $2.0B | $3.2B | ||
| Q1 25 | $2.1B | $3.2B | ||
| Q4 24 | $2.2B | $3.2B | ||
| Q3 24 | $2.3B | $3.3B | ||
| Q2 24 | $2.0B | $3.3B | ||
| Q1 24 | $2.0B | $3.3B |
| Q4 25 | 0.27× | — | ||
| Q3 25 | 0.26× | — | ||
| Q2 25 | 0.26× | — | ||
| Q1 25 | 0.33× | — | ||
| Q4 24 | 0.32× | — | ||
| Q3 24 | 0.31× | — | ||
| Q2 24 | 0.14× | — | ||
| Q1 24 | 0.28× | — |
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 | $-25.9M | $413.4M |
| Free Cash FlowOCF − Capex | $-28.6M | — |
| FCF MarginFCF / Revenue | -19.3% | — |
| Capex IntensityCapex / Revenue | 1.8% | — |
| Cash ConversionOCF / Net Profit | — | 121.45× |
| TTM Free Cash FlowTrailing 4 quarters | $-190.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-25.9M | $413.4M | ||
| Q3 25 | $-34.6M | $99.0M | ||
| Q2 25 | $-83.4M | $104.5M | ||
| Q1 25 | $-34.6M | $101.0M | ||
| Q4 24 | $-44.4M | $393.5M | ||
| Q3 24 | $-77.1M | $108.5M | ||
| Q2 24 | $-26.4M | $107.7M | ||
| Q1 24 | $-35.6M | $85.9M |
| Q4 25 | $-28.6M | — | ||
| Q3 25 | $-37.8M | — | ||
| Q2 25 | $-86.7M | — | ||
| Q1 25 | $-37.7M | — | ||
| Q4 24 | $-49.8M | — | ||
| Q3 24 | $-85.0M | — | ||
| Q2 24 | $-33.7M | — | ||
| Q1 24 | $-40.0M | — |
| Q4 25 | -19.3% | — | ||
| Q3 25 | -24.9% | — | ||
| Q2 25 | -55.3% | — | ||
| Q1 25 | -25.2% | — | ||
| Q4 24 | -27.1% | — | ||
| Q3 24 | -49.0% | — | ||
| Q2 24 | -18.5% | — | ||
| Q1 24 | -23.0% | — |
| Q4 25 | 1.8% | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 2.1% | — | ||
| Q1 25 | 2.1% | — | ||
| Q4 24 | 2.9% | — | ||
| Q3 24 | 4.6% | — | ||
| Q2 24 | 4.0% | — | ||
| Q1 24 | 2.6% | — |
| Q4 25 | — | 121.45× | ||
| Q3 25 | -1.60× | 19.05× | ||
| Q2 25 | — | 15.20× | ||
| Q1 25 | — | 10.34× | ||
| Q4 24 | -3.17× | 45.04× | ||
| Q3 24 | -3.10× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPK
| Services | $71.1M | 48% |
| Transfer Of Intellectual Property And Other | $33.7M | 23% |
| IE | $22.1M | 15% |
| Rayaldee | $8.8M | 6% |
| Barda Agreement | $6.8M | 5% |
| MX | $6.3M | 4% |
OPRT
Segment breakdown not available.
