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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and PicoCELA Inc. (PCLA). Click either name above to swap in a different company.
PicoCELA Inc. is the larger business by last-quarter revenue ($252.6M vs $247.7M, roughly 1.0× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs -125.2%, a 126.6% gap on every dollar of revenue.
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.
PicoCELA Inc. is a global technology company specializing in low-power, high-reliability wireless connectivity solutions, including Wi-Fi HaLow modules and edge network infrastructure. It caters to industrial IoT, smart city, retail, and smart home segments, with a primary operational footprint across Asia, North America, and European markets.
OPRT vs PCLA — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $252.6M |
| Net Profit | $3.4M | $-316.2M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | -114.8% |
| Net Margin | 1.4% | -125.2% |
| Revenue YoY | -1.3% | — |
| Net Profit YoY | -61.0% | — |
| EPS (diluted) | $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 | $247.7M | — | ||
| Q3 25 | $238.7M | — | ||
| Q2 25 | $234.3M | — | ||
| Q1 25 | $235.9M | $252.6M | ||
| Q4 24 | $250.9M | — | ||
| Q3 24 | $250.0M | — | ||
| Q2 24 | $250.4M | — | ||
| Q1 24 | $250.5M | — |
| Q4 25 | $3.4M | — | ||
| Q3 25 | $5.2M | — | ||
| Q2 25 | $6.9M | — | ||
| Q1 25 | $9.8M | $-316.2M | ||
| Q4 24 | $8.7M | — | ||
| Q3 24 | $-30.0M | — | ||
| Q2 24 | $-31.0M | — | ||
| Q1 24 | $-26.4M | — |
| Q4 25 | 2.6% | — | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 4.3% | — | ||
| Q1 25 | 5.6% | -114.8% | ||
| Q4 24 | 89.6% | — | ||
| Q3 24 | -15.8% | — | ||
| Q2 24 | -19.6% | — | ||
| Q1 24 | -12.2% | — |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 2.2% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 4.1% | -125.2% | ||
| Q4 24 | 200.1% | — | ||
| Q3 24 | -12.0% | — | ||
| Q2 24 | -12.4% | — | ||
| Q1 24 | -10.6% | — |
| Q4 25 | $0.07 | — | ||
| Q3 25 | $0.11 | — | ||
| Q2 25 | $0.14 | — | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $0.26 | — | ||
| Q3 24 | $-0.75 | — | ||
| Q2 24 | $-0.78 | — | ||
| Q1 24 | $-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 | $105.5M | $456.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $354.8M |
| Total Assets | $3.3B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | — | ||
| Q3 25 | $104.6M | — | ||
| Q2 25 | $96.8M | — | ||
| Q1 25 | $78.5M | $456.8M | ||
| Q4 24 | $60.0M | — | ||
| Q3 24 | $71.8M | — | ||
| Q2 24 | $72.9M | — | ||
| Q1 24 | $69.2M | — |
| Q4 25 | $390.1M | — | ||
| Q3 25 | $383.9M | — | ||
| Q2 25 | $376.0M | — | ||
| Q1 25 | $366.1M | $354.8M | ||
| Q4 24 | $353.8M | — | ||
| Q3 24 | $327.6M | — | ||
| Q2 24 | $354.1M | — | ||
| Q1 24 | $382.0M | — |
| Q4 25 | $3.3B | — | ||
| Q3 25 | $3.2B | — | ||
| Q2 25 | $3.2B | — | ||
| Q1 25 | $3.2B | $1.2B | ||
| Q4 24 | $3.2B | — | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $3.3B | — | ||
| Q1 24 | $3.3B | — |
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 | $-245.6M |
| Free Cash FlowOCF − Capex | — | $-256.6M |
| FCF MarginFCF / Revenue | — | -101.6% |
| Capex IntensityCapex / Revenue | — | 4.3% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | — | ||
| Q3 25 | $99.0M | — | ||
| Q2 25 | $104.5M | — | ||
| Q1 25 | $101.0M | $-245.6M | ||
| Q4 24 | $393.5M | — | ||
| Q3 24 | $108.5M | — | ||
| Q2 24 | $107.7M | — | ||
| Q1 24 | $85.9M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $-256.6M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -101.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 4.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
PCLA
| Revenue from product | $179.1M | 71% |
| Revenue from SaaS, Maintenance and others | $42.4M | 17% |
| Revenue from product – related party | $31.0M | 12% |
