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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and STURM RUGER & CO INC (RGR). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $151.1M, roughly 1.6× STURM RUGER & CO INC). On growth, STURM RUGER & CO INC posted the faster year-over-year revenue change (3.6% vs -1.3%). Over the past eight quarters, STURM RUGER & CO INC's revenue compounded faster (5.1% 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.
Sturm, Ruger & Company, Inc., better known by the shortened name Ruger, is an American firearm manufacturing company based in Southport, Connecticut, with production facilities also in Newport, New Hampshire; Mayodan, North Carolina; and Prescott, Arizona. The company was founded in 1949 by Alexander McCormick Sturm and William B. Ruger and has been publicly traded since 1969.
OPRT vs RGR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $151.1M |
| Net Profit | $3.4M | — |
| Gross Margin | — | 17.8% |
| Operating Margin | 2.6% | 2.3% |
| Net Margin | 1.4% | — |
| Revenue YoY | -1.3% | 3.6% |
| Net Profit YoY | -61.0% | — |
| EPS (diluted) | $0.07 | $0.22 |
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 | $151.1M | ||
| Q3 25 | $238.7M | $126.8M | ||
| Q2 25 | $234.3M | $132.5M | ||
| Q1 25 | $235.9M | $135.7M | ||
| Q4 24 | $250.9M | $145.8M | ||
| Q3 24 | $250.0M | $122.3M | ||
| Q2 24 | $250.4M | $130.8M | ||
| Q1 24 | $250.5M | $136.8M |
| Q4 25 | $3.4M | — | ||
| Q3 25 | $5.2M | $1.6M | ||
| Q2 25 | $6.9M | $-17.2M | ||
| Q1 25 | $9.8M | $7.8M | ||
| Q4 24 | $8.7M | — | ||
| Q3 24 | $-30.0M | $4.7M | ||
| Q2 24 | $-31.0M | $8.3M | ||
| Q1 24 | $-26.4M | $7.1M |
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
| Q4 25 | 2.6% | 2.3% | ||
| Q3 25 | 6.0% | -2.7% | ||
| Q2 25 | 4.3% | -15.6% | ||
| Q1 25 | 5.6% | 6.2% | ||
| Q4 24 | 89.6% | 7.8% | ||
| Q3 24 | -15.8% | 3.1% | ||
| Q2 24 | -19.6% | 6.9% | ||
| Q1 24 | -12.2% | 5.5% |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 2.2% | 1.2% | ||
| Q2 25 | 2.9% | -13.0% | ||
| Q1 25 | 4.1% | 5.7% | ||
| Q4 24 | 200.1% | — | ||
| Q3 24 | -12.0% | 3.9% | ||
| Q2 24 | -12.4% | 6.3% | ||
| Q1 24 | -10.6% | 5.2% |
| Q4 25 | $0.07 | $0.22 | ||
| Q3 25 | $0.11 | $0.10 | ||
| Q2 25 | $0.14 | $-1.05 | ||
| Q1 25 | $0.21 | $0.46 | ||
| Q4 24 | $0.26 | $0.62 | ||
| Q3 24 | $-0.75 | $0.28 | ||
| Q2 24 | $-0.78 | $0.47 | ||
| Q1 24 | $-0.68 | $0.40 |
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 | $92.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $283.8M |
| Total Assets | $3.3B | $342.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $92.5M | ||
| Q3 25 | $104.6M | $80.8M | ||
| Q2 25 | $96.8M | $101.4M | ||
| Q1 25 | $78.5M | $108.3M | ||
| Q4 24 | $60.0M | $105.5M | ||
| Q3 24 | $71.8M | $96.0M | ||
| Q2 24 | $72.9M | $105.6M | ||
| Q1 24 | $69.2M | $115.3M |
| Q4 25 | $390.1M | $283.8M | ||
| Q3 25 | $383.9M | $279.6M | ||
| Q2 25 | $376.0M | $289.3M | ||
| Q1 25 | $366.1M | $321.5M | ||
| Q4 24 | $353.8M | $319.6M | ||
| Q3 24 | $327.6M | $314.9M | ||
| Q2 24 | $354.1M | $321.5M | ||
| Q1 24 | $382.0M | $332.0M |
| Q4 25 | $3.3B | $342.0M | ||
| Q3 25 | $3.2B | $342.3M | ||
| Q2 25 | $3.2B | $349.5M | ||
| Q1 25 | $3.2B | $379.0M | ||
| Q4 24 | $3.2B | $384.0M | ||
| Q3 24 | $3.3B | $373.5M | ||
| Q2 24 | $3.3B | $376.7M | ||
| Q1 24 | $3.3B | $385.0M |
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 | $15.5M |
| Free Cash FlowOCF − Capex | — | $12.3M |
| FCF MarginFCF / Revenue | — | 8.2% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $38.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $15.5M | ||
| Q3 25 | $99.0M | $12.9M | ||
| Q2 25 | $104.5M | $14.7M | ||
| Q1 25 | $101.0M | $11.1M | ||
| Q4 24 | $393.5M | $20.0M | ||
| Q3 24 | $108.5M | $9.4M | ||
| Q2 24 | $107.7M | $18.7M | ||
| Q1 24 | $85.9M | $7.3M |
| Q4 25 | — | $12.3M | ||
| Q3 25 | — | $7.0M | ||
| Q2 25 | — | $9.1M | ||
| Q1 25 | — | $10.0M | ||
| Q4 24 | — | $16.4M | ||
| Q3 24 | — | $2.6M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.6M |
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | 5.5% | ||
| Q2 25 | — | 6.9% | ||
| Q1 25 | — | 7.4% | ||
| Q4 24 | — | 11.2% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 7.7% | ||
| Q1 24 | — | 4.1% |
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 4.6% | ||
| Q2 25 | — | 4.2% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | — | 5.5% | ||
| Q2 24 | — | 6.6% | ||
| Q1 24 | — | 1.3% |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | 8.15× | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | 1.43× | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | 1.98× | ||
| Q2 24 | — | 2.27× | ||
| Q1 24 | — | 1.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
