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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $242.1M, roughly 1.0× ONESPAWORLD HOLDINGS Ltd). ONESPAWORLD HOLDINGS Ltd runs the higher net margin — 5.0% vs 1.4%, a 3.6% gap on every dollar of revenue. On growth, ONESPAWORLD HOLDINGS Ltd posted the faster year-over-year revenue change (11.5% vs -1.3%). Over the past eight quarters, ONESPAWORLD HOLDINGS Ltd's revenue compounded faster (7.1% 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.
OPRT vs OSW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $242.1M |
| Net Profit | $3.4M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | 6.8% |
| Net Margin | 1.4% | 5.0% |
| Revenue YoY | -1.3% | 11.5% |
| Net Profit YoY | -61.0% | -16.2% |
| EPS (diluted) | $0.07 | $0.12 |
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 | $242.1M | ||
| Q3 25 | $238.7M | $258.5M | ||
| Q2 25 | $234.3M | $240.7M | ||
| Q1 25 | $235.9M | $219.6M | ||
| Q4 24 | $250.9M | $217.2M | ||
| Q3 24 | $250.0M | $241.7M | ||
| Q2 24 | $250.4M | $224.9M | ||
| Q1 24 | $250.5M | $211.2M |
| Q4 25 | $3.4M | $12.1M | ||
| Q3 25 | $5.2M | $24.3M | ||
| Q2 25 | $6.9M | $19.9M | ||
| Q1 25 | $9.8M | $15.3M | ||
| Q4 24 | $8.7M | $14.4M | ||
| Q3 24 | $-30.0M | $21.6M | ||
| Q2 24 | $-31.0M | $15.8M | ||
| Q1 24 | $-26.4M | $21.2M |
| Q4 25 | 2.6% | 6.8% | ||
| Q3 25 | 6.0% | 10.2% | ||
| Q2 25 | 4.3% | 9.2% | ||
| Q1 25 | 5.6% | 7.7% | ||
| Q4 24 | 89.6% | 7.9% | ||
| Q3 24 | -15.8% | 10.3% | ||
| Q2 24 | -19.6% | 8.4% | ||
| Q1 24 | -12.2% | 8.0% |
| Q4 25 | 1.4% | 5.0% | ||
| Q3 25 | 2.2% | 9.4% | ||
| Q2 25 | 2.9% | 8.3% | ||
| Q1 25 | 4.1% | 7.0% | ||
| Q4 24 | 200.1% | 6.6% | ||
| Q3 24 | -12.0% | 8.9% | ||
| Q2 24 | -12.4% | 7.0% | ||
| Q1 24 | -10.6% | 10.0% |
| Q4 25 | $0.07 | $0.12 | ||
| Q3 25 | $0.11 | $0.23 | ||
| Q2 25 | $0.14 | $0.19 | ||
| Q1 25 | $0.21 | $0.15 | ||
| Q4 24 | $0.26 | $0.13 | ||
| Q3 24 | $-0.75 | $0.20 | ||
| Q2 24 | $-0.78 | $0.15 | ||
| Q1 24 | $-0.68 | $0.21 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $105.5M | $16.3M |
| Total DebtLower is stronger | — | $84.0M |
| Stockholders' EquityBook value | $390.1M | $542.6M |
| Total Assets | $3.3B | $707.1M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $16.3M | ||
| Q3 25 | $104.6M | $29.6M | ||
| Q2 25 | $96.8M | $35.0M | ||
| Q1 25 | $78.5M | $22.6M | ||
| Q4 24 | $60.0M | $57.4M | ||
| Q3 24 | $71.8M | $48.8M | ||
| Q2 24 | $72.9M | $62.5M | ||
| Q1 24 | $69.2M | $65.4M |
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $138.6M |
| Q4 25 | $390.1M | $542.6M | ||
| Q3 25 | $383.9M | $552.8M | ||
| Q2 25 | $376.0M | $548.3M | ||
| Q1 25 | $366.1M | $530.6M | ||
| Q4 24 | $353.8M | $554.5M | ||
| Q3 24 | $327.6M | $540.1M | ||
| Q2 24 | $354.1M | $532.7M | ||
| Q1 24 | $382.0M | $515.5M |
| Q4 25 | $3.3B | $707.1M | ||
| Q3 25 | $3.2B | $732.6M | ||
| Q2 25 | $3.2B | $731.8M | ||
| Q1 25 | $3.2B | $708.7M | ||
| Q4 24 | $3.2B | $746.4M | ||
| Q3 24 | $3.3B | $734.0M | ||
| Q2 24 | $3.3B | $756.8M | ||
| Q1 24 | $3.3B | $763.6M |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.27× |
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 | $413.4M | $20.0M |
| Free Cash FlowOCF − Capex | — | $14.9M |
| FCF MarginFCF / Revenue | — | 6.2% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | 121.45× | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $20.0M | ||
| Q3 25 | $99.0M | $33.2M | ||
| Q2 25 | $104.5M | $20.3M | ||
| Q1 25 | $101.0M | $10.1M | ||
| Q4 24 | $393.5M | $16.6M | ||
| Q3 24 | $108.5M | $28.6M | ||
| Q2 24 | $107.7M | $18.7M | ||
| Q1 24 | $85.9M | $15.0M |
| Q4 25 | — | $14.9M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $17.6M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | — | $27.5M | ||
| Q2 24 | — | $17.6M | ||
| Q1 24 | — | $13.7M |
| Q4 25 | — | 6.2% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 7.8% | ||
| Q1 24 | — | 6.5% |
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | 121.45× | 1.65× | ||
| Q3 25 | 19.05× | 1.36× | ||
| Q2 25 | 15.20× | 1.02× | ||
| Q1 25 | 10.34× | 0.66× | ||
| Q4 24 | 45.04× | 1.15× | ||
| Q3 24 | — | 1.33× | ||
| Q2 24 | — | 1.19× | ||
| Q1 24 | — | 0.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
