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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
Savers Value Village, Inc. is the larger business by last-quarter revenue ($426.9M vs $247.7M, roughly 1.7× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs -3.3%, a 4.7% gap on every dollar of revenue. On growth, Savers Value Village, Inc. posted the faster year-over-year revenue change (8.1% vs -1.3%). Over the past eight quarters, Savers Value Village, Inc.'s revenue compounded faster (4.3% 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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
OPRT vs SVV — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $426.9M |
| Net Profit | $3.4M | $-14.0M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | 8.5% |
| Net Margin | 1.4% | -3.3% |
| Revenue YoY | -1.3% | 8.1% |
| Net Profit YoY | -61.0% | -164.6% |
| EPS (diluted) | $0.07 | $-0.09 |
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 | — | ||
| Q3 25 | $238.7M | $426.9M | ||
| Q2 25 | $234.3M | $417.2M | ||
| Q1 25 | $235.9M | $370.1M | ||
| Q4 24 | $250.9M | $402.0M | ||
| Q3 24 | $250.0M | $394.8M | ||
| Q2 24 | $250.4M | $386.7M | ||
| Q1 24 | $250.5M | $354.2M |
| Q4 25 | $3.4M | — | ||
| Q3 25 | $5.2M | $-14.0M | ||
| Q2 25 | $6.9M | $18.9M | ||
| Q1 25 | $9.8M | $-4.7M | ||
| Q4 24 | $8.7M | $-1.9M | ||
| Q3 24 | $-30.0M | $21.7M | ||
| Q2 24 | $-31.0M | $9.7M | ||
| Q1 24 | $-26.4M | $-467.0K |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% | ||
| Q1 24 | — | 24.2% |
| Q4 25 | 2.6% | — | ||
| Q3 25 | 6.0% | 8.5% | ||
| Q2 25 | 4.3% | 8.2% | ||
| Q1 25 | 5.6% | 2.8% | ||
| Q4 24 | 89.6% | 8.2% | ||
| Q3 24 | -15.8% | 12.3% | ||
| Q2 24 | -19.6% | 8.3% | ||
| Q1 24 | -12.2% | 4.6% |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 2.2% | -3.3% | ||
| Q2 25 | 2.9% | 4.5% | ||
| Q1 25 | 4.1% | -1.3% | ||
| Q4 24 | 200.1% | -0.5% | ||
| Q3 24 | -12.0% | 5.5% | ||
| Q2 24 | -12.4% | 2.5% | ||
| Q1 24 | -10.6% | -0.1% |
| Q4 25 | $0.07 | — | ||
| Q3 25 | $0.11 | $-0.09 | ||
| Q2 25 | $0.14 | $0.12 | ||
| Q1 25 | $0.21 | $-0.03 | ||
| Q4 24 | $0.26 | $-0.02 | ||
| Q3 24 | $-0.75 | $0.13 | ||
| Q2 24 | $-0.78 | $0.06 | ||
| Q1 24 | $-0.68 | $0.00 |
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 | $63.5M |
| Total DebtLower is stronger | — | $750.0M |
| Stockholders' EquityBook value | $390.1M | $414.6M |
| Total Assets | $3.3B | $2.0B |
| Debt / EquityLower = less leverage | — | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | — | ||
| Q3 25 | $104.6M | $63.5M | ||
| Q2 25 | $96.8M | $70.5M | ||
| Q1 25 | $78.5M | $73.0M | ||
| Q4 24 | $60.0M | $150.0M | ||
| Q3 24 | $71.8M | $137.7M | ||
| Q2 24 | $72.9M | $160.7M | ||
| Q1 24 | $69.2M | $102.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | $750.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $390.1M | — | ||
| Q3 25 | $383.9M | $414.6M | ||
| Q2 25 | $376.0M | $423.5M | ||
| Q1 25 | $366.1M | $413.8M | ||
| Q4 24 | $353.8M | $421.7M | ||
| Q3 24 | $327.6M | $432.9M | ||
| Q2 24 | $354.1M | $419.5M | ||
| Q1 24 | $382.0M | $395.0M |
| Q4 25 | $3.3B | — | ||
| Q3 25 | $3.2B | $2.0B | ||
| Q2 25 | $3.2B | $1.9B | ||
| Q1 25 | $3.2B | $1.9B | ||
| Q4 24 | $3.2B | $1.9B | ||
| Q3 24 | $3.3B | $1.9B | ||
| Q2 24 | $3.3B | $1.9B | ||
| Q1 24 | $3.3B | $1.8B |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.81× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| 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 | $21.6M |
| Free Cash FlowOCF − Capex | — | $-6.3M |
| FCF MarginFCF / Revenue | — | -1.5% |
| Capex IntensityCapex / Revenue | — | 6.5% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | — | ||
| Q3 25 | $99.0M | $21.6M | ||
| Q2 25 | $104.5M | $54.4M | ||
| Q1 25 | $101.0M | $419.0K | ||
| Q4 24 | $393.5M | $55.8M | ||
| Q3 24 | $108.5M | $23.9M | ||
| Q2 24 | $107.7M | $60.4M | ||
| Q1 24 | $85.9M | $-5.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | $-6.3M | ||
| Q2 25 | — | $21.9M | ||
| Q1 25 | — | $-20.2M | ||
| Q4 24 | — | $30.1M | ||
| Q3 24 | — | $-3.0M | ||
| Q2 24 | — | $29.6M | ||
| Q1 24 | — | $-28.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | -1.5% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | -5.4% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | — | -0.8% | ||
| Q2 24 | — | 7.6% | ||
| Q1 24 | — | -8.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 6.5% | ||
| Q2 25 | — | 7.8% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 8.0% | ||
| Q1 24 | — | 6.4% |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | 2.88× | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | 1.10× | ||
| Q2 24 | — | 6.22× | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
