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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and TIDEWATER INC (TDW). Click either name above to swap in a different company.
TIDEWATER INC is the larger business by last-quarter revenue ($336.8M vs $247.7M, roughly 1.4× Oportun Financial Corp). TIDEWATER INC runs the higher net margin — 65.3% vs 1.4%, a 63.9% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -2.4%). Over the past eight quarters, TIDEWATER INC's revenue compounded faster (2.4% 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.
Tidewater, Inc. is a publicly traded international petroleum service company headquartered in Houston, Texas, U.S. It operates a fleet of ships, primarily providing vessels and marine services to the offshore petroleum and offshore wind industries.
OPRT vs TDW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $336.8M |
| Net Profit | $3.4M | $219.9M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | 19.0% |
| Net Margin | 1.4% | 65.3% |
| Revenue YoY | -1.3% | -2.4% |
| Net Profit YoY | -61.0% | 495.8% |
| EPS (diluted) | $0.07 | $4.37 |
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 | $336.8M | ||
| Q3 25 | $238.7M | $341.1M | ||
| Q2 25 | $234.3M | $341.4M | ||
| Q1 25 | $235.9M | $333.4M | ||
| Q4 24 | $250.9M | $345.1M | ||
| Q3 24 | $250.0M | $340.4M | ||
| Q2 24 | $250.4M | $339.2M | ||
| Q1 24 | $250.5M | $321.2M |
| Q4 25 | $3.4M | $219.9M | ||
| Q3 25 | $5.2M | $-806.0K | ||
| Q2 25 | $6.9M | $72.9M | ||
| Q1 25 | $9.8M | $42.7M | ||
| Q4 24 | $8.7M | $36.9M | ||
| Q3 24 | $-30.0M | $46.4M | ||
| Q2 24 | $-31.0M | $50.4M | ||
| Q1 24 | $-26.4M | $47.0M |
| Q4 25 | 2.6% | 19.0% | ||
| Q3 25 | 6.0% | 18.4% | ||
| Q2 25 | 4.3% | 23.7% | ||
| Q1 25 | 5.6% | 22.5% | ||
| Q4 24 | 89.6% | 23.6% | ||
| Q3 24 | -15.8% | 20.6% | ||
| Q2 24 | -19.6% | 23.0% | ||
| Q1 24 | -12.2% | 25.5% |
| Q4 25 | 1.4% | 65.3% | ||
| Q3 25 | 2.2% | -0.2% | ||
| Q2 25 | 2.9% | 21.4% | ||
| Q1 25 | 4.1% | 12.8% | ||
| Q4 24 | 200.1% | 10.7% | ||
| Q3 24 | -12.0% | 13.6% | ||
| Q2 24 | -12.4% | 14.8% | ||
| Q1 24 | -10.6% | 14.6% |
| Q4 25 | $0.07 | $4.37 | ||
| Q3 25 | $0.11 | $-0.02 | ||
| Q2 25 | $0.14 | $1.46 | ||
| Q1 25 | $0.21 | $0.83 | ||
| Q4 24 | $0.26 | $0.70 | ||
| Q3 24 | $-0.75 | $0.87 | ||
| Q2 24 | $-0.78 | $0.94 | ||
| Q1 24 | $-0.68 | $0.89 |
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 | $578.8M |
| Total DebtLower is stronger | — | $670.1M |
| Stockholders' EquityBook value | $390.1M | $1.4B |
| Total Assets | $3.3B | $2.4B |
| Debt / EquityLower = less leverage | — | 0.49× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $578.8M | ||
| Q3 25 | $104.6M | $428.2M | ||
| Q2 25 | $96.8M | $369.4M | ||
| Q1 25 | $78.5M | $341.8M | ||
| Q4 24 | $60.0M | $324.9M | ||
| Q3 24 | $71.8M | $280.8M | ||
| Q2 24 | $72.9M | $315.9M | ||
| Q1 24 | $69.2M | $280.9M |
| Q4 25 | — | $670.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $647.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $390.1M | $1.4B | ||
| Q3 25 | $383.9M | $1.1B | ||
| Q2 25 | $376.0M | $1.1B | ||
| Q1 25 | $366.1M | $1.1B | ||
| Q4 24 | $353.8M | $1.1B | ||
| Q3 24 | $327.6M | $1.1B | ||
| Q2 24 | $354.1M | $1.1B | ||
| Q1 24 | $382.0M | $1.1B |
| Q4 25 | $3.3B | $2.4B | ||
| Q3 25 | $3.2B | $2.1B | ||
| Q2 25 | $3.2B | $2.1B | ||
| Q1 25 | $3.2B | $2.1B | ||
| Q4 24 | $3.2B | $2.1B | ||
| Q3 24 | $3.3B | $2.0B | ||
| Q2 24 | $3.3B | $2.1B | ||
| Q1 24 | $3.3B | $2.1B |
| Q4 25 | — | 0.49× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.58× | ||
| 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 | $153.0M |
| Free Cash FlowOCF − Capex | — | $147.8M |
| FCF MarginFCF / Revenue | — | 43.9% |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | 121.45× | 0.70× |
| TTM Free Cash FlowTrailing 4 quarters | — | $353.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $153.0M | ||
| Q3 25 | $99.0M | $54.7M | ||
| Q2 25 | $104.5M | $85.4M | ||
| Q1 25 | $101.0M | $86.0M | ||
| Q4 24 | $393.5M | $100.0M | ||
| Q3 24 | $108.5M | $49.0M | ||
| Q2 24 | $107.7M | $78.6M | ||
| Q1 24 | $85.9M | $54.8M |
| Q4 25 | — | $147.8M | ||
| Q3 25 | — | $49.6M | ||
| Q2 25 | — | $80.2M | ||
| Q1 25 | — | $75.7M | ||
| Q4 24 | — | $95.5M | ||
| Q3 24 | — | $43.3M | ||
| Q2 24 | — | $72.3M | ||
| Q1 24 | — | $43.8M |
| Q4 25 | — | 43.9% | ||
| Q3 25 | — | 14.5% | ||
| Q2 25 | — | 23.5% | ||
| Q1 25 | — | 22.7% | ||
| Q4 24 | — | 27.7% | ||
| Q3 24 | — | 12.7% | ||
| Q2 24 | — | 21.3% | ||
| Q1 24 | — | 13.6% |
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 1.9% | ||
| Q1 24 | — | 3.4% |
| Q4 25 | 121.45× | 0.70× | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | 1.17× | ||
| Q1 25 | 10.34× | 2.02× | ||
| Q4 24 | 45.04× | 2.71× | ||
| Q3 24 | — | 1.06× | ||
| Q2 24 | — | 1.56× | ||
| Q1 24 | — | 1.16× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
