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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and SMITH & WESSON BRANDS, INC. (SWBI). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $124.7M, roughly 2.0× SMITH & WESSON BRANDS, INC.). SMITH & WESSON BRANDS, INC. runs the higher net margin — 1.5% vs 1.4%, a 0.2% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -3.9%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -4.8%).
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.
Smith & Wesson Brands, Inc. (S&W) is an American firearm manufacturer headquartered in Maryville, Tennessee, United States.
OPRT vs SWBI — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $124.7M |
| Net Profit | $3.4M | $1.9M |
| Gross Margin | — | 24.3% |
| Operating Margin | 2.6% | 3.3% |
| Net Margin | 1.4% | 1.5% |
| Revenue YoY | -1.3% | -3.9% |
| Net Profit YoY | -61.0% | -53.6% |
| EPS (diluted) | $0.07 | $0.04 |
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 | $124.7M | ||
| Q3 25 | $238.7M | $85.1M | ||
| Q2 25 | $234.3M | $140.8M | ||
| Q1 25 | $235.9M | $115.9M | ||
| Q4 24 | $250.9M | $129.7M | ||
| Q3 24 | $250.0M | $88.3M | ||
| Q2 24 | $250.4M | $159.1M | ||
| Q1 24 | $250.5M | $137.5M |
| Q4 25 | $3.4M | $1.9M | ||
| Q3 25 | $5.2M | $-3.4M | ||
| Q2 25 | $6.9M | $8.6M | ||
| Q1 25 | $9.8M | $2.1M | ||
| Q4 24 | $8.7M | $4.5M | ||
| Q3 24 | $-30.0M | $-1.9M | ||
| Q2 24 | $-31.0M | $27.9M | ||
| Q1 24 | $-26.4M | $7.9M |
| Q4 25 | — | 24.3% | ||
| Q3 25 | — | 25.9% | ||
| Q2 25 | — | 28.8% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 26.6% | ||
| Q3 24 | — | 27.4% | ||
| Q2 24 | — | 35.5% | ||
| Q1 24 | — | 28.7% |
| Q4 25 | 2.6% | 3.3% | ||
| Q3 25 | 6.0% | -3.5% | ||
| Q2 25 | 4.3% | 9.3% | ||
| Q1 25 | 5.6% | 4.1% | ||
| Q4 24 | 89.6% | 5.8% | ||
| Q3 24 | -15.8% | -1.7% | ||
| Q2 24 | -19.6% | 17.4% | ||
| Q1 24 | -12.2% | 8.2% |
| Q4 25 | 1.4% | 1.5% | ||
| Q3 25 | 2.2% | -4.0% | ||
| Q2 25 | 2.9% | 6.1% | ||
| Q1 25 | 4.1% | 1.8% | ||
| Q4 24 | 200.1% | 3.5% | ||
| Q3 24 | -12.0% | -2.1% | ||
| Q2 24 | -12.4% | 17.5% | ||
| Q1 24 | -10.6% | 5.7% |
| Q4 25 | $0.07 | $0.04 | ||
| Q3 25 | $0.11 | $-0.08 | ||
| Q2 25 | $0.14 | $0.19 | ||
| Q1 25 | $0.21 | $0.05 | ||
| Q4 24 | $0.26 | $0.10 | ||
| Q3 24 | $-0.75 | $-0.04 | ||
| Q2 24 | $-0.78 | $0.60 | ||
| Q1 24 | $-0.68 | $0.17 |
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 | $22.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $363.2M |
| Total Assets | $3.3B | $548.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $22.4M | ||
| Q3 25 | $104.6M | $18.0M | ||
| Q2 25 | $96.8M | $25.2M | ||
| Q1 25 | $78.5M | $26.7M | ||
| Q4 24 | $60.0M | $39.1M | ||
| Q3 24 | $71.8M | $35.5M | ||
| Q2 24 | $72.9M | $60.8M | ||
| Q1 24 | $69.2M | $47.4M |
| Q4 25 | $390.1M | $363.2M | ||
| Q3 25 | $383.9M | $364.4M | ||
| Q2 25 | $376.0M | $372.5M | ||
| Q1 25 | $366.1M | $366.9M | ||
| Q4 24 | $353.8M | $371.5M | ||
| Q3 24 | $327.6M | $380.0M | ||
| Q2 24 | $354.1M | $399.9M | ||
| Q1 24 | $382.0M | $376.4M |
| Q4 25 | $3.3B | $548.6M | ||
| Q3 25 | $3.2B | $554.6M | ||
| Q2 25 | $3.2B | $559.6M | ||
| Q1 25 | $3.2B | $578.9M | ||
| Q4 24 | $3.2B | $587.4M | ||
| Q3 24 | $3.3B | $571.3M | ||
| Q2 24 | $3.3B | $577.4M | ||
| Q1 24 | $3.3B | $570.6M |
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 | $27.3M |
| Free Cash FlowOCF − Capex | — | $16.3M |
| FCF MarginFCF / Revenue | — | 13.1% |
| Capex IntensityCapex / Revenue | — | 8.8% |
| Cash ConversionOCF / Net Profit | 121.45× | 14.22× |
| TTM Free Cash FlowTrailing 4 quarters | — | $21.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $27.3M | ||
| Q3 25 | $99.0M | $-8.1M | ||
| Q2 25 | $104.5M | $40.8M | ||
| Q1 25 | $101.0M | $-9.8M | ||
| Q4 24 | $393.5M | $-7.4M | ||
| Q3 24 | $108.5M | $-30.8M | ||
| Q2 24 | $107.7M | $43.7M | ||
| Q1 24 | $85.9M | $25.2M |
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $-12.4M | ||
| Q2 25 | — | $33.5M | ||
| Q1 25 | — | $-16.1M | ||
| Q4 24 | — | $-10.7M | ||
| Q3 24 | — | $-35.5M | ||
| Q2 24 | — | $38.2M | ||
| Q1 24 | — | $7.0M |
| Q4 25 | — | 13.1% | ||
| Q3 25 | — | -14.6% | ||
| Q2 25 | — | 23.8% | ||
| Q1 25 | — | -13.9% | ||
| Q4 24 | — | -8.3% | ||
| Q3 24 | — | -40.2% | ||
| Q2 24 | — | 24.0% | ||
| Q1 24 | — | 5.1% |
| Q4 25 | — | 8.8% | ||
| Q3 25 | — | 5.0% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | 5.4% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | — | 5.3% | ||
| Q2 24 | — | 3.5% | ||
| Q1 24 | — | 13.2% |
| Q4 25 | 121.45× | 14.22× | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | 4.73× | ||
| Q1 25 | 10.34× | -4.68× | ||
| Q4 24 | 45.04× | -1.63× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 1.57× | ||
| Q1 24 | — | 3.20× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
