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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Piedmont Realty Trust, Inc. (PDM). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $143.3M, roughly 1.7× Piedmont Realty Trust, Inc.). Oportun Financial Corp runs the higher net margin — 1.4% vs -31.4%, a 32.8% gap on every dollar of revenue. On growth, Piedmont Realty Trust, Inc. posted the faster year-over-year revenue change (0.4% vs -1.3%). Over the past eight quarters, Piedmont Realty Trust, Inc.'s revenue compounded faster (0.0% 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.
Piedmont Realty Trust, Inc. is a publicly traded real estate investment trust (REIT) that owns, operates, and invests in high-quality office properties primarily located in high-growth metropolitan areas across the United States. It serves corporate tenants across multiple industry sectors including technology, professional services, and healthcare, and pursues stable long-term returns for stakeholders via strategic property management and portfolio optimization.
OPRT vs PDM — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $143.3M |
| Net Profit | $3.4M | $-45.0M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | — |
| Net Margin | 1.4% | -31.4% |
| Revenue YoY | -1.3% | 0.4% |
| Net Profit YoY | -61.0% | -27.9% |
| EPS (diluted) | $0.07 | $-0.10 |
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.
| Q1 26 | — | $143.3M | ||
| Q4 25 | $247.7M | $142.9M | ||
| Q3 25 | $238.7M | $139.2M | ||
| Q2 25 | $234.3M | $140.3M | ||
| Q1 25 | $235.9M | $142.7M | ||
| Q4 24 | $250.9M | $143.2M | ||
| Q3 24 | $250.0M | $139.3M | ||
| Q2 24 | $250.4M | $143.3M |
| Q1 26 | — | $-45.0M | ||
| Q4 25 | $3.4M | $-43.2M | ||
| Q3 25 | $5.2M | $-13.5M | ||
| Q2 25 | $6.9M | $-16.8M | ||
| Q1 25 | $9.8M | $-10.1M | ||
| Q4 24 | $8.7M | $-30.0M | ||
| Q3 24 | $-30.0M | $-11.5M | ||
| Q2 24 | $-31.0M | $-9.8M |
| Q1 26 | — | — | ||
| Q4 25 | 2.6% | — | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 4.3% | — | ||
| Q1 25 | 5.6% | — | ||
| Q4 24 | 89.6% | — | ||
| Q3 24 | -15.8% | — | ||
| Q2 24 | -19.6% | — |
| Q1 26 | — | -31.4% | ||
| Q4 25 | 1.4% | -30.3% | ||
| Q3 25 | 2.2% | -9.7% | ||
| Q2 25 | 2.9% | -12.0% | ||
| Q1 25 | 4.1% | -7.1% | ||
| Q4 24 | 200.1% | -20.9% | ||
| Q3 24 | -12.0% | -8.3% | ||
| Q2 24 | -12.4% | -6.8% |
| Q1 26 | — | $-0.10 | ||
| Q4 25 | $0.07 | $-0.34 | ||
| Q3 25 | $0.11 | $-0.11 | ||
| Q2 25 | $0.14 | $-0.14 | ||
| Q1 25 | $0.21 | $-0.08 | ||
| Q4 24 | $0.26 | $-0.25 | ||
| Q3 24 | $-0.75 | $-0.09 | ||
| Q2 24 | $-0.78 | $-0.08 |
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 | $2.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $1.5B |
| Total Assets | $3.3B | $4.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $2.3M | ||
| Q4 25 | $105.5M | $731.0K | ||
| Q3 25 | $104.6M | $3.0M | ||
| Q2 25 | $96.8M | $3.3M | ||
| Q1 25 | $78.5M | $2.9M | ||
| Q4 24 | $60.0M | $109.6M | ||
| Q3 24 | $71.8M | $133.6M | ||
| Q2 24 | $72.9M | $138.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $2.2B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $2.2B | ||
| Q1 25 | — | $2.2B | ||
| Q4 24 | — | $2.2B | ||
| Q3 24 | — | $2.2B | ||
| Q2 24 | — | $2.2B |
| Q1 26 | — | $1.5B | ||
| Q4 25 | $390.1M | $1.5B | ||
| Q3 25 | $383.9M | $1.5B | ||
| Q2 25 | $376.0M | $1.5B | ||
| Q1 25 | $366.1M | $1.6B | ||
| Q4 24 | $353.8M | $1.6B | ||
| Q3 24 | $327.6M | $1.6B | ||
| Q2 24 | $354.1M | $1.7B |
| Q1 26 | — | $4.0B | ||
| Q4 25 | $3.3B | $4.0B | ||
| Q3 25 | $3.2B | $4.0B | ||
| Q2 25 | $3.2B | $4.0B | ||
| Q1 25 | $3.2B | $4.0B | ||
| Q4 24 | $3.2B | $4.1B | ||
| Q3 24 | $3.3B | $4.1B | ||
| Q2 24 | $3.3B | $4.2B |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.49× | ||
| Q3 25 | — | 1.43× | ||
| Q2 25 | — | 1.41× | ||
| Q1 25 | — | 1.40× | ||
| Q4 24 | — | 1.40× | ||
| Q3 24 | — | 1.36× | ||
| Q2 24 | — | 1.34× |
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 | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 110.3% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $413.4M | $140.6M | ||
| Q3 25 | $99.0M | $35.8M | ||
| Q2 25 | $104.5M | $50.1M | ||
| Q1 25 | $101.0M | $3.7M | ||
| Q4 24 | $393.5M | $198.1M | ||
| Q3 24 | $108.5M | $42.9M | ||
| Q2 24 | $107.7M | $66.8M |
| Q1 26 | — | 110.3% | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
