vs
Side-by-side financial comparison of Oportun Financial Corp (OPRT) and PAMT CORP (PAMT). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $141.3M, roughly 1.8× PAMT 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, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -15.1%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -12.0%).
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.
OPRT vs PAMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $141.3M |
| Net Profit | $3.4M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | -27.0% |
| Net Margin | 1.4% | -20.7% |
| Revenue YoY | -1.3% | -15.1% |
| Net Profit YoY | -61.0% | 7.4% |
| EPS (diluted) | $0.07 | $-1.38 |
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 | $141.3M | ||
| Q3 25 | $238.7M | $150.3M | ||
| Q2 25 | $234.3M | $151.1M | ||
| Q1 25 | $235.9M | $155.3M | ||
| Q4 24 | $250.9M | $166.5M | ||
| Q3 24 | $250.0M | $182.6M | ||
| Q2 24 | $250.4M | $182.9M | ||
| Q1 24 | $250.5M | $182.6M |
| Q4 25 | $3.4M | $-29.3M | ||
| Q3 25 | $5.2M | $-5.6M | ||
| Q2 25 | $6.9M | $-9.6M | ||
| Q1 25 | $9.8M | $-8.1M | ||
| Q4 24 | $8.7M | $-31.6M | ||
| Q3 24 | $-30.0M | $2.4M | ||
| Q2 24 | $-31.0M | $-2.9M | ||
| Q1 24 | $-26.4M | $281.0K |
| Q4 25 | 2.6% | -27.0% | ||
| Q3 25 | 6.0% | -3.8% | ||
| Q2 25 | 4.3% | -7.3% | ||
| Q1 25 | 5.6% | -5.9% | ||
| Q4 24 | 89.6% | -22.6% | ||
| Q3 24 | -15.8% | 1.3% | ||
| Q2 24 | -19.6% | -0.4% | ||
| Q1 24 | -12.2% | -0.4% |
| Q4 25 | 1.4% | -20.7% | ||
| Q3 25 | 2.2% | -3.7% | ||
| Q2 25 | 2.9% | -6.4% | ||
| Q1 25 | 4.1% | -5.2% | ||
| Q4 24 | 200.1% | -19.0% | ||
| Q3 24 | -12.0% | 1.3% | ||
| Q2 24 | -12.4% | -1.6% | ||
| Q1 24 | -10.6% | 0.2% |
| Q4 25 | $0.07 | $-1.38 | ||
| Q3 25 | $0.11 | $-0.27 | ||
| Q2 25 | $0.14 | $-0.46 | ||
| Q1 25 | $0.21 | $-0.37 | ||
| Q4 24 | $0.26 | $-1.44 | ||
| Q3 24 | $-0.75 | $0.11 | ||
| Q2 24 | $-0.78 | $-0.13 | ||
| Q1 24 | $-0.68 | $0.01 |
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 | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $390.1M | $210.5M |
| Total Assets | $3.3B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $83.7M | ||
| Q3 25 | $104.6M | $115.6M | ||
| Q2 25 | $96.8M | $117.3M | ||
| Q1 25 | $78.5M | $102.7M | ||
| Q4 24 | $60.0M | $110.7M | ||
| Q3 24 | $71.8M | $92.3M | ||
| Q2 24 | $72.9M | $114.0M | ||
| Q1 24 | $69.2M | $125.8M |
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $390.1M | $210.5M | ||
| Q3 25 | $383.9M | $239.5M | ||
| Q2 25 | $376.0M | $244.9M | ||
| Q1 25 | $366.1M | $269.6M | ||
| Q4 24 | $353.8M | $277.5M | ||
| Q3 24 | $327.6M | $308.9M | ||
| Q2 24 | $354.1M | $306.7M | ||
| Q1 24 | $382.0M | $314.6M |
| Q4 25 | $3.3B | $697.9M | ||
| Q3 25 | $3.2B | $715.2M | ||
| Q2 25 | $3.2B | $707.9M | ||
| Q1 25 | $3.2B | $712.6M | ||
| Q4 24 | $3.2B | $741.7M | ||
| Q3 24 | $3.3B | $756.7M | ||
| Q2 24 | $3.3B | $733.5M | ||
| Q1 24 | $3.3B | $746.4M |
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-5.8M |
| Free Cash FlowOCF − Capex | — | $-25.0M |
| FCF MarginFCF / Revenue | — | -17.7% |
| Capex IntensityCapex / Revenue | — | 13.6% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $-5.8M | ||
| Q3 25 | $99.0M | $5.9M | ||
| Q2 25 | $104.5M | $12.2M | ||
| Q1 25 | $101.0M | $5.0M | ||
| Q4 24 | $393.5M | $15.2M | ||
| Q3 24 | $108.5M | $15.5M | ||
| Q2 24 | $107.7M | $18.7M | ||
| Q1 24 | $85.9M | $9.6M |
| Q4 25 | — | $-25.0M | ||
| Q3 25 | — | $2.5M | ||
| Q2 25 | — | $5.9M | ||
| Q1 25 | — | $-6.8M | ||
| Q4 24 | — | $-39.9M | ||
| Q3 24 | — | $-33.6M | ||
| Q2 24 | — | $4.1M | ||
| Q1 24 | — | $-12.2M |
| Q4 25 | — | -17.7% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | -4.4% | ||
| Q4 24 | — | -24.0% | ||
| Q3 24 | — | -18.4% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | -6.7% |
| Q4 25 | — | 13.6% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | 7.6% | ||
| Q4 24 | — | 33.1% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 8.0% | ||
| Q1 24 | — | 12.0% |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | 6.44× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 34.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
