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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and PTC THERAPEUTICS, INC. (PTCT). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $164.7M, roughly 1.5× PTC THERAPEUTICS, INC.). Oportun Financial Corp runs the higher net margin — 1.4% vs -82.0%, a 83.3% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -22.7%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -11.5%).
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.
PTC Therapeutics, Inc. is a US pharmaceutical company focused on the development of orally administered small molecule drugs and gene therapy which regulate gene expression by targeting post-transcriptional control (PTC) mechanisms in orphan diseases.
OPRT vs PTCT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $164.7M |
| Net Profit | $3.4M | $-135.0M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | -43.3% |
| Net Margin | 1.4% | -82.0% |
| Revenue YoY | -1.3% | -22.7% |
| Net Profit YoY | -61.0% | -104.8% |
| EPS (diluted) | $0.07 | $-1.63 |
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 | $164.7M | ||
| Q3 25 | $238.7M | $211.0M | ||
| Q2 25 | $234.3M | $178.9M | ||
| Q1 25 | $235.9M | $1.2B | ||
| Q4 24 | $250.9M | $213.2M | ||
| Q3 24 | $250.0M | $196.8M | ||
| Q2 24 | $250.4M | $186.7M | ||
| Q1 24 | $250.5M | $210.1M |
| Q4 25 | $3.4M | $-135.0M | ||
| Q3 25 | $5.2M | $15.9M | ||
| Q2 25 | $6.9M | $-64.8M | ||
| Q1 25 | $9.8M | $866.6M | ||
| Q4 24 | $8.7M | $-65.9M | ||
| Q3 24 | $-30.0M | $-106.7M | ||
| Q2 24 | $-31.0M | $-99.2M | ||
| Q1 24 | $-26.4M | $-91.6M |
| Q4 25 | 2.6% | -43.3% | ||
| Q3 25 | 6.0% | 1.4% | ||
| Q2 25 | 4.3% | -19.5% | ||
| Q1 25 | 5.6% | 82.5% | ||
| Q4 24 | 89.6% | -76.2% | ||
| Q3 24 | -15.8% | -27.7% | ||
| Q2 24 | -19.6% | -21.5% | ||
| Q1 24 | -12.2% | -21.6% |
| Q4 25 | 1.4% | -82.0% | ||
| Q3 25 | 2.2% | 7.5% | ||
| Q2 25 | 2.9% | -36.3% | ||
| Q1 25 | 4.1% | 73.7% | ||
| Q4 24 | 200.1% | -30.9% | ||
| Q3 24 | -12.0% | -54.2% | ||
| Q2 24 | -12.4% | -53.1% | ||
| Q1 24 | -10.6% | -43.6% |
| Q4 25 | $0.07 | $-1.63 | ||
| Q3 25 | $0.11 | $0.20 | ||
| Q2 25 | $0.14 | $-0.83 | ||
| Q1 25 | $0.21 | $10.04 | ||
| Q4 24 | $0.26 | $-0.85 | ||
| Q3 24 | $-0.75 | $-1.39 | ||
| Q2 24 | $-0.78 | $-1.29 | ||
| Q1 24 | $-0.68 | $-1.20 |
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 | $1.9B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $-205.3M |
| Total Assets | $3.3B | $2.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $1.9B | ||
| Q3 25 | $104.6M | $1.7B | ||
| Q2 25 | $96.8M | $2.0B | ||
| Q1 25 | $78.5M | $2.0B | ||
| Q4 24 | $60.0M | $1.1B | ||
| Q3 24 | $71.8M | $1.0B | ||
| Q2 24 | $72.9M | $1.1B | ||
| Q1 24 | $69.2M | $884.8M |
| Q4 25 | $390.1M | $-205.3M | ||
| Q3 25 | $383.9M | $-155.8M | ||
| Q2 25 | $376.0M | $-206.5M | ||
| Q1 25 | $366.1M | $-185.8M | ||
| Q4 24 | $353.8M | $-1.1B | ||
| Q3 24 | $327.6M | $-1.1B | ||
| Q2 24 | $354.1M | $-980.2M | ||
| Q1 24 | $382.0M | $-893.9M |
| Q4 25 | $3.3B | $2.9B | ||
| Q3 25 | $3.2B | $2.6B | ||
| Q2 25 | $3.2B | $2.6B | ||
| Q1 25 | $3.2B | $2.7B | ||
| Q4 24 | $3.2B | $1.7B | ||
| Q3 24 | $3.3B | $1.8B | ||
| Q2 24 | $3.3B | $1.9B | ||
| Q1 24 | $3.3B | $1.8B |
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 | $-34.3M |
| Free Cash FlowOCF − Capex | — | $-36.6M |
| FCF MarginFCF / Revenue | — | -22.3% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $702.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $-34.3M | ||
| Q3 25 | $99.0M | $-66.3M | ||
| Q2 25 | $104.5M | $-58.3M | ||
| Q1 25 | $101.0M | $870.1M | ||
| Q4 24 | $393.5M | $-30.0M | ||
| Q3 24 | $108.5M | $-77.0M | ||
| Q2 24 | $107.7M | $-71.5M | ||
| Q1 24 | $85.9M | $70.8M |
| Q4 25 | — | $-36.6M | ||
| Q3 25 | — | $-69.7M | ||
| Q2 25 | — | $-59.6M | ||
| Q1 25 | — | $868.4M | ||
| Q4 24 | — | $-33.8M | ||
| Q3 24 | — | $-77.5M | ||
| Q2 24 | — | $-78.8M | ||
| Q1 24 | — | $61.2M |
| Q4 25 | — | -22.3% | ||
| Q3 25 | — | -33.1% | ||
| Q2 25 | — | -33.3% | ||
| Q1 25 | — | 73.8% | ||
| Q4 24 | — | -15.8% | ||
| Q3 24 | — | -39.4% | ||
| Q2 24 | — | -42.2% | ||
| Q1 24 | — | 29.1% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 4.0% | ||
| Q1 24 | — | 4.6% |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | -4.17× | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | 1.00× | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
