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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Shoals Technologies Group, Inc. (SHLS). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $148.3M, roughly 1.7× Shoals Technologies Group, Inc.). Shoals Technologies Group, Inc. runs the higher net margin — 5.5% vs 1.4%, a 4.1% gap on every dollar of revenue. On growth, Shoals Technologies Group, Inc. posted the faster year-over-year revenue change (38.6% vs -1.3%). Over the past eight quarters, Shoals Technologies Group, Inc.'s revenue compounded faster (27.8% 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.
Shoals Technologies Group is a leading provider of electrical balance of systems solutions for renewable energy and e-mobility. It supplies connectivity components for solar projects, energy storage systems and EV charging infrastructure, serving clients across North America, Europe and Asia-Pacific.
OPRT vs SHLS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $148.3M |
| Net Profit | $3.4M | $8.1M |
| Gross Margin | — | 31.6% |
| Operating Margin | 2.6% | 11.7% |
| Net Margin | 1.4% | 5.5% |
| Revenue YoY | -1.3% | 38.6% |
| Net Profit YoY | -61.0% | 3.9% |
| EPS (diluted) | $0.07 | $0.05 |
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 | $148.3M | ||
| Q3 25 | $238.7M | $135.8M | ||
| Q2 25 | $234.3M | $110.8M | ||
| Q1 25 | $235.9M | $80.4M | ||
| Q4 24 | $250.9M | $107.0M | ||
| Q3 24 | $250.0M | $102.2M | ||
| Q2 24 | $250.4M | $99.2M | ||
| Q1 24 | $250.5M | $90.8M |
| Q4 25 | $3.4M | $8.1M | ||
| Q3 25 | $5.2M | $11.9M | ||
| Q2 25 | $6.9M | $13.9M | ||
| Q1 25 | $9.8M | $-282.0K | ||
| Q4 24 | $8.7M | $7.8M | ||
| Q3 24 | $-30.0M | $-267.0K | ||
| Q2 24 | $-31.0M | $11.8M | ||
| Q1 24 | $-26.4M | $4.8M |
| Q4 25 | — | 31.6% | ||
| Q3 25 | — | 37.0% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 35.0% | ||
| Q4 24 | — | 37.6% | ||
| Q3 24 | — | 24.8% | ||
| Q2 24 | — | 40.3% | ||
| Q1 24 | — | 40.2% |
| Q4 25 | 2.6% | 11.7% | ||
| Q3 25 | 6.0% | 13.7% | ||
| Q2 25 | 4.3% | 14.4% | ||
| Q1 25 | 5.6% | 5.4% | ||
| Q4 24 | 89.6% | 15.4% | ||
| Q3 24 | -15.8% | 4.4% | ||
| Q2 24 | -19.6% | 18.7% | ||
| Q1 24 | -12.2% | 12.8% |
| Q4 25 | 1.4% | 5.5% | ||
| Q3 25 | 2.2% | 8.7% | ||
| Q2 25 | 2.9% | 12.5% | ||
| Q1 25 | 4.1% | -0.4% | ||
| Q4 24 | 200.1% | 7.3% | ||
| Q3 24 | -12.0% | -0.3% | ||
| Q2 24 | -12.4% | 11.9% | ||
| Q1 24 | -10.6% | 5.3% |
| Q4 25 | $0.07 | $0.05 | ||
| Q3 25 | $0.11 | $0.07 | ||
| Q2 25 | $0.14 | $0.08 | ||
| Q1 25 | $0.21 | $0.00 | ||
| Q4 24 | $0.26 | $0.04 | ||
| Q3 24 | $-0.75 | $0.00 | ||
| Q2 24 | $-0.78 | $0.07 | ||
| Q1 24 | $-0.68 | $0.03 |
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 | $7.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $600.0M |
| Total Assets | $3.3B | $904.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $7.3M | ||
| Q3 25 | $104.6M | $8.6M | ||
| Q2 25 | $96.8M | $4.7M | ||
| Q1 25 | $78.5M | $35.6M | ||
| Q4 24 | $60.0M | $23.5M | ||
| Q3 24 | $71.8M | $11.1M | ||
| Q2 24 | $72.9M | $3.2M | ||
| Q1 24 | $69.2M | $15.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $141.8M | ||
| Q4 24 | — | $141.8M | ||
| Q3 24 | — | $141.8M | ||
| Q2 24 | — | $146.8M | ||
| Q1 24 | — | $168.8M |
| Q4 25 | $390.1M | $600.0M | ||
| Q3 25 | $383.9M | $589.6M | ||
| Q2 25 | $376.0M | $575.4M | ||
| Q1 25 | $366.1M | $558.9M | ||
| Q4 24 | $353.8M | $556.8M | ||
| Q3 24 | $327.6M | $545.2M | ||
| Q2 24 | $354.1M | $544.6M | ||
| Q1 24 | $382.0M | $554.0M |
| Q4 25 | $3.3B | $904.1M | ||
| Q3 25 | $3.2B | $851.8M | ||
| Q2 25 | $3.2B | $795.0M | ||
| Q1 25 | $3.2B | $788.4M | ||
| Q4 24 | $3.2B | $793.1M | ||
| Q3 24 | $3.3B | $801.3M | ||
| Q2 24 | $3.3B | $788.4M | ||
| Q1 24 | $3.3B | $825.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.25× | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | 0.26× | ||
| Q2 24 | — | 0.27× | ||
| Q1 24 | — | 0.30× |
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 | $-4.1M |
| Free Cash FlowOCF − Capex | — | $-11.3M |
| FCF MarginFCF / Revenue | — | -7.6% |
| Capex IntensityCapex / Revenue | — | 4.8% |
| Cash ConversionOCF / Net Profit | 121.45× | -0.50× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-16.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $-4.1M | ||
| Q3 25 | $99.0M | $19.4M | ||
| Q2 25 | $104.5M | $-13.8M | ||
| Q1 25 | $101.0M | $15.6M | ||
| Q4 24 | $393.5M | $14.0M | ||
| Q3 24 | $108.5M | $15.7M | ||
| Q2 24 | $107.7M | $37.8M | ||
| Q1 24 | $85.9M | $12.9M |
| Q4 25 | — | $-11.3M | ||
| Q3 25 | — | $9.0M | ||
| Q2 25 | — | $-26.0M | ||
| Q1 25 | — | $12.3M | ||
| Q4 24 | — | $12.5M | ||
| Q3 24 | — | $13.3M | ||
| Q2 24 | — | $35.8M | ||
| Q1 24 | — | $10.4M |
| Q4 25 | — | -7.6% | ||
| Q3 25 | — | 6.6% | ||
| Q2 25 | — | -23.5% | ||
| Q1 25 | — | 15.4% | ||
| Q4 24 | — | 11.6% | ||
| Q3 24 | — | 13.0% | ||
| Q2 24 | — | 36.1% | ||
| Q1 24 | — | 11.4% |
| Q4 25 | — | 4.8% | ||
| Q3 25 | — | 7.7% | ||
| Q2 25 | — | 11.0% | ||
| Q1 25 | — | 4.0% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | 2.7% |
| Q4 25 | 121.45× | -0.50× | ||
| Q3 25 | 19.05× | 1.63× | ||
| Q2 25 | 15.20× | -1.00× | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | 1.79× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.21× | ||
| Q1 24 | — | 2.69× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
SHLS
| System Solutions | $122.0M | 82% |
| Components | $26.3M | 18% |
