vs
Side-by-side financial comparison of Oportun Financial Corp (OPRT) and OXFORD INDUSTRIES INC (OXM). Click either name above to swap in a different company.
OXFORD INDUSTRIES INC is the larger business by last-quarter revenue ($307.3M vs $247.7M, roughly 1.2× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs -20.7%, a 22.1% gap on every dollar of revenue. On growth, OXFORD INDUSTRIES INC posted the faster year-over-year revenue change (-0.2% vs -1.3%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -3.0%).
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.
Oxford Industries, Inc. is a publicly traded clothing company in the United States that specializes in high-end clothing and apparel. The company carries many major labels, including Tommy Bahama, Lilly Pulitzer, Johnny Was and Southern Tide.
OPRT vs OXM — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $307.3M |
| Net Profit | $3.4M | $-63.7M |
| Gross Margin | — | 60.3% |
| Operating Margin | 2.6% | -27.7% |
| Net Margin | 1.4% | -20.7% |
| Revenue YoY | -1.3% | -0.2% |
| Net Profit YoY | -61.0% | -1517.6% |
| EPS (diluted) | $0.07 | $-4.28 |
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 | $307.3M | ||
| Q3 25 | $238.7M | $403.1M | ||
| Q2 25 | $234.3M | $392.9M | ||
| Q1 25 | $235.9M | — | ||
| Q4 24 | $250.9M | $308.0M | ||
| Q3 24 | $250.0M | $419.9M | ||
| Q2 24 | $250.4M | $398.2M | ||
| Q1 24 | $250.5M | $404.4M |
| Q4 25 | $3.4M | $-63.7M | ||
| Q3 25 | $5.2M | $16.7M | ||
| Q2 25 | $6.9M | $26.2M | ||
| Q1 25 | $9.8M | — | ||
| Q4 24 | $8.7M | $-3.9M | ||
| Q3 24 | $-30.0M | $40.6M | ||
| Q2 24 | $-31.0M | $38.4M | ||
| Q1 24 | $-26.4M | $-60.1M |
| Q4 25 | — | 60.3% | ||
| Q3 25 | — | 61.4% | ||
| Q2 25 | — | 64.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 63.1% | ||
| Q3 24 | — | 63.1% | ||
| Q2 24 | — | 64.9% | ||
| Q1 24 | — | 60.9% |
| Q4 25 | 2.6% | -27.7% | ||
| Q3 25 | 6.0% | 6.3% | ||
| Q2 25 | 4.3% | 9.2% | ||
| Q1 25 | 5.6% | — | ||
| Q4 24 | 89.6% | -2.0% | ||
| Q3 24 | -15.8% | 12.5% | ||
| Q2 24 | -19.6% | 13.2% | ||
| Q1 24 | -12.2% | -20.1% |
| Q4 25 | 1.4% | -20.7% | ||
| Q3 25 | 2.2% | 4.1% | ||
| Q2 25 | 2.9% | 6.7% | ||
| Q1 25 | 4.1% | — | ||
| Q4 24 | 200.1% | -1.3% | ||
| Q3 24 | -12.0% | 9.7% | ||
| Q2 24 | -12.4% | 9.6% | ||
| Q1 24 | -10.6% | -14.9% |
| Q4 25 | $0.07 | $-4.28 | ||
| Q3 25 | $0.11 | $1.12 | ||
| Q2 25 | $0.14 | $1.70 | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $0.26 | $-0.25 | ||
| Q3 24 | $-0.75 | $2.57 | ||
| Q2 24 | $-0.78 | $2.42 | ||
| Q1 24 | $-0.68 | $-3.72 |
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 | $8.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $528.0M |
| Total Assets | $3.3B | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $8.0M | ||
| Q3 25 | $104.6M | $6.9M | ||
| Q2 25 | $96.8M | $8.2M | ||
| Q1 25 | $78.5M | — | ||
| Q4 24 | $60.0M | $7.0M | ||
| Q3 24 | $71.8M | $18.4M | ||
| Q2 24 | $72.9M | $7.7M | ||
| Q1 24 | $69.2M | $7.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $29.0M |
| Q4 25 | $390.1M | $528.0M | ||
| Q3 25 | $383.9M | $597.1M | ||
| Q2 25 | $376.0M | $592.4M | ||
| Q1 25 | $366.1M | — | ||
| Q4 24 | $353.8M | $612.2M | ||
| Q3 24 | $327.6M | $621.6M | ||
| Q2 24 | $354.1M | $592.9M | ||
| Q1 24 | $382.0M | $560.9M |
| Q4 25 | $3.3B | $1.3B | ||
| Q3 25 | $3.2B | $1.3B | ||
| Q2 25 | $3.2B | $1.3B | ||
| Q1 25 | $3.2B | — | ||
| Q4 24 | $3.2B | $1.2B | ||
| Q3 24 | $3.3B | $1.2B | ||
| Q2 24 | $3.3B | $1.2B | ||
| Q1 24 | $3.3B | $1.1B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.05× |
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 | $-9.1M |
| Free Cash FlowOCF − Capex | — | $-47.9M |
| FCF MarginFCF / Revenue | — | -15.6% |
| Capex IntensityCapex / Revenue | — | 12.6% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-79.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $-9.1M | ||
| Q3 25 | $99.0M | $83.5M | ||
| Q2 25 | $104.5M | $-3.9M | ||
| Q1 25 | $101.0M | — | ||
| Q4 24 | $393.5M | $-18.2M | ||
| Q3 24 | $108.5M | $88.8M | ||
| Q2 24 | $107.7M | $32.9M | ||
| Q1 24 | $85.9M | $74.9M |
| Q4 25 | — | $-47.9M | ||
| Q3 25 | — | $52.3M | ||
| Q2 25 | — | $-27.4M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $-56.9M | ||
| Q3 24 | — | $47.2M | ||
| Q2 24 | — | $21.0M | ||
| Q1 24 | — | $55.3M |
| Q4 25 | — | -15.6% | ||
| Q3 25 | — | 13.0% | ||
| Q2 25 | — | -7.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | -18.5% | ||
| Q3 24 | — | 11.2% | ||
| Q2 24 | — | 5.3% | ||
| Q1 24 | — | 13.7% |
| Q4 25 | — | 12.6% | ||
| Q3 25 | — | 7.7% | ||
| Q2 25 | — | 6.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | — | 9.9% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 4.8% |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | 5.00× | ||
| Q2 25 | 15.20× | -0.15× | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | 2.19× | ||
| Q2 24 | — | 0.86× | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
OXM
| Sales Channel Retail | $162.9M | 53% |
| Sales Channel Wholesale | $61.3M | 20% |
| Johnny Was | $45.4M | 15% |
| Sales Channel Food And Beverage | $29.3M | 10% |
| Other Foreign Countries | $9.0M | 3% |
