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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and STONERIDGE INC (SRI). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $205.2M, roughly 1.2× STONERIDGE INC). On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -6.0%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -7.4%).
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.
Stoneridge Inc is a global designer and manufacturer of advanced electrical and electronic components, integrated systems, and sensor solutions. It serves automotive, commercial vehicle, off-highway, and aerospace sectors, delivering products that boost vehicle safety, efficiency, connectivity, and environmental performance across key global markets.
OPRT vs SRI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $205.2M |
| Net Profit | $3.4M | — |
| Gross Margin | — | 16.2% |
| Operating Margin | 2.6% | -14.4% |
| Net Margin | 1.4% | — |
| Revenue YoY | -1.3% | -6.0% |
| Net Profit YoY | -61.0% | — |
| EPS (diluted) | $0.07 | $-2.76 |
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 | $205.2M | ||
| Q3 25 | $238.7M | $210.3M | ||
| Q2 25 | $234.3M | $228.0M | ||
| Q1 25 | $235.9M | $217.9M | ||
| Q4 24 | $250.9M | $218.2M | ||
| Q3 24 | $250.0M | $213.8M | ||
| Q2 24 | $250.4M | $237.1M | ||
| Q1 24 | $250.5M | $239.2M |
| Q4 25 | $3.4M | — | ||
| Q3 25 | $5.2M | $-9.4M | ||
| Q2 25 | $6.9M | $-9.4M | ||
| Q1 25 | $9.8M | $-7.2M | ||
| Q4 24 | $8.7M | — | ||
| Q3 24 | $-30.0M | $-7.1M | ||
| Q2 24 | $-31.0M | $2.8M | ||
| Q1 24 | $-26.4M | $-6.1M |
| Q4 25 | — | 16.2% | ||
| Q3 25 | — | 20.3% | ||
| Q2 25 | — | 21.5% | ||
| Q1 25 | — | 21.2% | ||
| Q4 24 | — | 19.5% | ||
| Q3 24 | — | 20.8% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 20.2% |
| Q4 25 | 2.6% | -14.4% | ||
| Q3 25 | 6.0% | -1.6% | ||
| Q2 25 | 4.3% | -1.1% | ||
| Q1 25 | 5.6% | -1.5% | ||
| Q4 24 | 89.6% | -2.0% | ||
| Q3 24 | -15.8% | 0.1% | ||
| Q2 24 | -19.6% | 1.4% | ||
| Q1 24 | -12.2% | 0.1% |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 2.2% | -4.5% | ||
| Q2 25 | 2.9% | -4.1% | ||
| Q1 25 | 4.1% | -3.3% | ||
| Q4 24 | 200.1% | — | ||
| Q3 24 | -12.0% | -3.3% | ||
| Q2 24 | -12.4% | 1.2% | ||
| Q1 24 | -10.6% | -2.6% |
| Q4 25 | $0.07 | $-2.76 | ||
| Q3 25 | $0.11 | $-0.34 | ||
| Q2 25 | $0.14 | $-0.34 | ||
| Q1 25 | $0.21 | $-0.26 | ||
| Q4 24 | $0.26 | $-0.22 | ||
| Q3 24 | $-0.75 | $-0.26 | ||
| Q2 24 | $-0.78 | $0.10 | ||
| Q1 24 | $-0.68 | $-0.22 |
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 | $66.3M |
| Total DebtLower is stronger | — | $180.9M |
| Stockholders' EquityBook value | $390.1M | $179.8M |
| Total Assets | $3.3B | $551.2M |
| Debt / EquityLower = less leverage | — | 1.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $66.3M | ||
| Q3 25 | $104.6M | $54.0M | ||
| Q2 25 | $96.8M | $49.8M | ||
| Q1 25 | $78.5M | $79.1M | ||
| Q4 24 | $60.0M | $71.8M | ||
| Q3 24 | $71.8M | $54.1M | ||
| Q2 24 | $72.9M | $42.1M | ||
| Q1 24 | $69.2M | $48.4M |
| Q4 25 | — | $180.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $201.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $390.1M | $179.8M | ||
| Q3 25 | $383.9M | $251.2M | ||
| Q2 25 | $376.0M | $260.5M | ||
| Q1 25 | $366.1M | $253.1M | ||
| Q4 24 | $353.8M | $245.3M | ||
| Q3 24 | $327.6M | $271.4M | ||
| Q2 24 | $354.1M | $270.5M | ||
| Q1 24 | $382.0M | $277.3M |
| Q4 25 | $3.3B | $551.2M | ||
| Q3 25 | $3.2B | $632.1M | ||
| Q2 25 | $3.2B | $639.4M | ||
| Q1 25 | $3.2B | $657.4M | ||
| Q4 24 | $3.2B | $621.6M | ||
| Q3 24 | $3.3B | $662.5M | ||
| Q2 24 | $3.3B | $666.7M | ||
| Q1 24 | $3.3B | $675.4M |
| Q4 25 | — | 1.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.82× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $8.8M |
| Free Cash FlowOCF − Capex | — | $2.6M |
| FCF MarginFCF / Revenue | — | 1.3% |
| Capex IntensityCapex / Revenue | — | 3.0% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $12.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $8.8M | ||
| Q3 25 | $99.0M | $3.6M | ||
| Q2 25 | $104.5M | $10.7M | ||
| Q1 25 | $101.0M | $10.9M | ||
| Q4 24 | $393.5M | $19.2M | ||
| Q3 24 | $108.5M | $10.8M | ||
| Q2 24 | $107.7M | $8.7M | ||
| Q1 24 | $85.9M | $9.1M |
| Q4 25 | — | $2.6M | ||
| Q3 25 | — | $-2.7M | ||
| Q2 25 | — | $7.4M | ||
| Q1 25 | — | $4.8M | ||
| Q4 24 | — | $14.0M | ||
| Q3 24 | — | $4.6M | ||
| Q2 24 | — | $1.5M | ||
| Q1 24 | — | $3.3M |
| Q4 25 | — | 1.3% | ||
| Q3 25 | — | -1.3% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 2.2% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 3.0% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | — | 2.4% | ||
| Q3 24 | — | 2.9% | ||
| Q2 24 | — | 3.0% | ||
| Q1 24 | — | 2.4% |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.11× | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
SRI
| Control Devices | $51.7M | 25% |
| Electronics | $38.0M | 19% |
| EE | $34.2M | 17% |
| SE | $28.6M | 14% |
| NL | $24.5M | 12% |
| Stoneridge Brazil | $14.1M | 7% |
| Asia Pacific | $13.1M | 6% |
