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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Paymentus Holdings, Inc. (PAY). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $247.7M, roughly 1.3× Oportun Financial Corp). Paymentus Holdings, Inc. runs the higher net margin — 6.3% vs 1.4%, a 4.9% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs -1.3%). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% 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.
Paymentus Holdings, Inc. is a leading cloud-based bill payment and customer engagement technology provider. It offers integrated digital payment solutions, billing automation tools, and self-service portals for enterprises across utilities, financial services, government, healthcare, and telecommunications segments, primarily operating in the North American market.
OPRT vs PAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $330.5M |
| Net Profit | $3.4M | $20.7M |
| Gross Margin | — | 25.4% |
| Operating Margin | 2.6% | 7.3% |
| Net Margin | 1.4% | 6.3% |
| Revenue YoY | -1.3% | 28.1% |
| Net Profit YoY | -61.0% | 57.2% |
| EPS (diluted) | $0.07 | $0.16 |
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 | $330.5M | ||
| Q3 25 | $238.7M | $310.7M | ||
| Q2 25 | $234.3M | $280.1M | ||
| Q1 25 | $235.9M | $275.2M | ||
| Q4 24 | $250.9M | $257.9M | ||
| Q3 24 | $250.0M | $231.6M | ||
| Q2 24 | $250.4M | $197.4M | ||
| Q1 24 | $250.5M | $184.9M |
| Q4 25 | $3.4M | $20.7M | ||
| Q3 25 | $5.2M | $17.7M | ||
| Q2 25 | $6.9M | $14.7M | ||
| Q1 25 | $9.8M | $13.8M | ||
| Q4 24 | $8.7M | $13.1M | ||
| Q3 24 | $-30.0M | $14.4M | ||
| Q2 24 | $-31.0M | $9.4M | ||
| Q1 24 | $-26.4M | $7.2M |
| Q4 25 | — | 25.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 25.5% | ||
| Q1 25 | — | 24.0% | ||
| Q4 24 | — | 25.6% | ||
| Q3 24 | — | 26.2% | ||
| Q2 24 | — | 29.8% | ||
| Q1 24 | — | 28.5% |
| Q4 25 | 2.6% | 7.3% | ||
| Q3 25 | 6.0% | 6.4% | ||
| Q2 25 | 4.3% | 5.7% | ||
| Q1 25 | 5.6% | 5.7% | ||
| Q4 24 | 89.6% | 5.5% | ||
| Q3 24 | -15.8% | 5.2% | ||
| Q2 24 | -19.6% | 5.2% | ||
| Q1 24 | -12.2% | 4.5% |
| Q4 25 | 1.4% | 6.3% | ||
| Q3 25 | 2.2% | 5.7% | ||
| Q2 25 | 2.9% | 5.3% | ||
| Q1 25 | 4.1% | 5.0% | ||
| Q4 24 | 200.1% | 5.1% | ||
| Q3 24 | -12.0% | 6.2% | ||
| Q2 24 | -12.4% | 4.7% | ||
| Q1 24 | -10.6% | 3.9% |
| Q4 25 | $0.07 | $0.16 | ||
| Q3 25 | $0.11 | $0.14 | ||
| Q2 25 | $0.14 | $0.11 | ||
| Q1 25 | $0.21 | $0.11 | ||
| Q4 24 | $0.26 | $0.11 | ||
| Q3 24 | $-0.75 | $0.11 | ||
| Q2 24 | $-0.78 | $0.07 | ||
| Q1 24 | $-0.68 | $0.06 |
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 | $320.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $560.4M |
| Total Assets | $3.3B | $667.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $320.9M | ||
| Q3 25 | $104.6M | $287.9M | ||
| Q2 25 | $96.8M | $266.4M | ||
| Q1 25 | $78.5M | $245.8M | ||
| Q4 24 | $60.0M | $205.9M | ||
| Q3 24 | $71.8M | $187.5M | ||
| Q2 24 | $72.9M | $188.8M | ||
| Q1 24 | $69.2M | $180.1M |
| Q4 25 | $390.1M | $560.4M | ||
| Q3 25 | $383.9M | $537.4M | ||
| Q2 25 | $376.0M | $516.7M | ||
| Q1 25 | $366.1M | $500.4M | ||
| Q4 24 | $353.8M | $485.6M | ||
| Q3 24 | $327.6M | $468.8M | ||
| Q2 24 | $354.1M | $451.6M | ||
| Q1 24 | $382.0M | $439.4M |
| Q4 25 | $3.3B | $667.9M | ||
| Q3 25 | $3.2B | $644.4M | ||
| Q2 25 | $3.2B | $609.5M | ||
| Q1 25 | $3.2B | $590.9M | ||
| Q4 24 | $3.2B | $576.2M | ||
| Q3 24 | $3.3B | $552.9M | ||
| Q2 24 | $3.3B | $527.7M | ||
| Q1 24 | $3.3B | $514.0M |
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 | $45.1M |
| Free Cash FlowOCF − Capex | — | $45.0M |
| FCF MarginFCF / Revenue | — | 13.6% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | 121.45× | 2.18× |
| TTM Free Cash FlowTrailing 4 quarters | — | $161.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $45.1M | ||
| Q3 25 | $99.0M | $35.1M | ||
| Q2 25 | $104.5M | $31.5M | ||
| Q1 25 | $101.0M | $50.4M | ||
| Q4 24 | $393.5M | $27.9M | ||
| Q3 24 | $108.5M | $6.7M | ||
| Q2 24 | $107.7M | $18.0M | ||
| Q1 24 | $85.9M | $11.0M |
| Q4 25 | — | $45.0M | ||
| Q3 25 | — | $35.0M | ||
| Q2 25 | — | $31.4M | ||
| Q1 25 | — | $50.4M | ||
| Q4 24 | — | $27.8M | ||
| Q3 24 | — | $6.7M | ||
| Q2 24 | — | $17.8M | ||
| Q1 24 | — | $10.8M |
| Q4 25 | — | 13.6% | ||
| Q3 25 | — | 11.3% | ||
| Q2 25 | — | 11.2% | ||
| Q1 25 | — | 18.3% | ||
| Q4 24 | — | 10.8% | ||
| Q3 24 | — | 2.9% | ||
| Q2 24 | — | 9.0% | ||
| Q1 24 | — | 5.9% |
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 121.45× | 2.18× | ||
| Q3 25 | 19.05× | 1.98× | ||
| Q2 25 | 15.20× | 2.14× | ||
| Q1 25 | 10.34× | 3.65× | ||
| Q4 24 | 45.04× | 2.12× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 1.93× | ||
| Q1 24 | — | 1.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
