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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Tecnoglass Inc. (TGLS). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $245.3M, roughly 1.0× Tecnoglass Inc.). Tecnoglass Inc. runs the higher net margin — 10.6% vs 1.4%, a 9.3% gap on every dollar of revenue. On growth, Tecnoglass Inc. posted the faster year-over-year revenue change (2.4% vs -1.3%). Over the past eight quarters, Tecnoglass Inc.'s revenue compounded faster (12.8% 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.
Tecnoglass Inc. is a leading manufacturer of high-performance architectural glass, aluminum windows, doors, and associated building components. It primarily caters to residential and commercial construction sectors across North America and Latin America, offering custom, energy-efficient solutions for new construction and renovation projects.
OPRT vs TGLS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $245.3M |
| Net Profit | $3.4M | $26.1M |
| Gross Margin | — | 40.0% |
| Operating Margin | 2.6% | 18.3% |
| Net Margin | 1.4% | 10.6% |
| Revenue YoY | -1.3% | 2.4% |
| Net Profit YoY | -61.0% | -44.5% |
| EPS (diluted) | $0.07 | $0.57 |
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 | $245.3M | ||
| Q3 25 | $238.7M | $260.5M | ||
| Q2 25 | $234.3M | $255.5M | ||
| Q1 25 | $235.9M | $222.3M | ||
| Q4 24 | $250.9M | $239.6M | ||
| Q3 24 | $250.0M | $238.3M | ||
| Q2 24 | $250.4M | $219.7M | ||
| Q1 24 | $250.5M | $192.6M |
| Q4 25 | $3.4M | $26.1M | ||
| Q3 25 | $5.2M | $47.2M | ||
| Q2 25 | $6.9M | $44.1M | ||
| Q1 25 | $9.8M | $42.2M | ||
| Q4 24 | $8.7M | $47.0M | ||
| Q3 24 | $-30.0M | $49.5M | ||
| Q2 24 | $-31.0M | $35.0M | ||
| Q1 24 | $-26.4M | $29.7M |
| Q4 25 | — | 40.0% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 43.9% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 40.8% | ||
| Q1 24 | — | 38.8% |
| Q4 25 | 2.6% | 18.3% | ||
| Q3 25 | 6.0% | 25.1% | ||
| Q2 25 | 4.3% | 24.0% | ||
| Q1 25 | 5.6% | 26.7% | ||
| Q4 24 | 89.6% | 28.0% | ||
| Q3 24 | -15.8% | 28.4% | ||
| Q2 24 | -19.6% | 23.3% | ||
| Q1 24 | -12.2% | 21.3% |
| Q4 25 | 1.4% | 10.6% | ||
| Q3 25 | 2.2% | 18.1% | ||
| Q2 25 | 2.9% | 17.3% | ||
| Q1 25 | 4.1% | 19.0% | ||
| Q4 24 | 200.1% | 19.6% | ||
| Q3 24 | -12.0% | 20.8% | ||
| Q2 24 | -12.4% | 15.9% | ||
| Q1 24 | -10.6% | 15.4% |
| Q4 25 | $0.07 | $0.57 | ||
| Q3 25 | $0.11 | $1.01 | ||
| Q2 25 | $0.14 | $0.94 | ||
| Q1 25 | $0.21 | $0.90 | ||
| Q4 24 | $0.26 | $1.00 | ||
| Q3 24 | $-0.75 | $1.05 | ||
| Q2 24 | $-0.78 | $0.75 | ||
| Q1 24 | $-0.68 | $0.63 |
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 | $104.1M |
| Total DebtLower is stronger | — | $174.4M |
| Stockholders' EquityBook value | $390.1M | $713.1M |
| Total Assets | $3.3B | $1.3B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $104.1M | ||
| Q3 25 | $104.6M | $127.1M | ||
| Q2 25 | $96.8M | $140.9M | ||
| Q1 25 | $78.5M | $160.2M | ||
| Q4 24 | $60.0M | $137.5M | ||
| Q3 24 | $71.8M | $124.8M | ||
| Q2 24 | $72.9M | $129.5M | ||
| Q1 24 | $69.2M | $138.8M |
| Q4 25 | — | $174.4M | ||
| Q3 25 | — | $114.7M | ||
| Q2 25 | — | $110.6M | ||
| Q1 25 | — | $110.6M | ||
| Q4 24 | — | $111.1M | ||
| Q3 24 | — | $126.8M | ||
| Q2 24 | — | $144.7M | ||
| Q1 24 | — | $160.9M |
| Q4 25 | $390.1M | $713.1M | ||
| Q3 25 | $383.9M | $764.0M | ||
| Q2 25 | $376.0M | $736.0M | ||
| Q1 25 | $366.1M | $685.1M | ||
| Q4 24 | $353.8M | $631.2M | ||
| Q3 24 | $327.6M | $613.3M | ||
| Q2 24 | $354.1M | $574.8M | ||
| Q1 24 | $382.0M | $573.6M |
| Q4 25 | $3.3B | $1.3B | ||
| Q3 25 | $3.2B | $1.2B | ||
| Q2 25 | $3.2B | $1.2B | ||
| Q1 25 | $3.2B | $1.1B | ||
| Q4 24 | $3.2B | $1.0B | ||
| Q3 24 | $3.3B | $996.3M | ||
| Q2 24 | $3.3B | $942.5M | ||
| Q1 24 | $3.3B | $981.6M |
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.25× | ||
| Q1 24 | — | 0.28× |
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 | $31.0M |
| Free Cash FlowOCF − Capex | — | $11.4M |
| FCF MarginFCF / Revenue | — | 4.7% |
| Capex IntensityCapex / Revenue | — | 8.0% |
| Cash ConversionOCF / Net Profit | 121.45× | 1.19× |
| TTM Free Cash FlowTrailing 4 quarters | — | $34.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $31.0M | ||
| Q3 25 | $99.0M | $40.0M | ||
| Q2 25 | $104.5M | $17.9M | ||
| Q1 25 | $101.0M | $46.9M | ||
| Q4 24 | $393.5M | $61.1M | ||
| Q3 24 | $108.5M | $41.5M | ||
| Q2 24 | $107.7M | $34.5M | ||
| Q1 24 | $85.9M | $33.4M |
| Q4 25 | — | $11.4M | ||
| Q3 25 | — | $21.2M | ||
| Q2 25 | — | $-14.7M | ||
| Q1 25 | — | $16.5M | ||
| Q4 24 | — | $35.4M | ||
| Q3 24 | — | $17.8M | ||
| Q2 24 | — | $14.2M | ||
| Q1 24 | — | $23.6M |
| Q4 25 | — | 4.7% | ||
| Q3 25 | — | 8.2% | ||
| Q2 25 | — | -5.7% | ||
| Q1 25 | — | 7.4% | ||
| Q4 24 | — | 14.8% | ||
| Q3 24 | — | 7.5% | ||
| Q2 24 | — | 6.5% | ||
| Q1 24 | — | 12.2% |
| Q4 25 | — | 8.0% | ||
| Q3 25 | — | 7.2% | ||
| Q2 25 | — | 12.7% | ||
| Q1 25 | — | 13.7% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | — | 9.9% | ||
| Q2 24 | — | 9.2% | ||
| Q1 24 | — | 5.1% |
| Q4 25 | 121.45× | 1.19× | ||
| Q3 25 | 19.05× | 0.85× | ||
| Q2 25 | 15.20× | 0.41× | ||
| Q1 25 | 10.34× | 1.11× | ||
| Q4 24 | 45.04× | 1.30× | ||
| Q3 24 | — | 0.84× | ||
| Q2 24 | — | 0.98× | ||
| Q1 24 | — | 1.13× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
TGLS
| Product Sales | $164.2M | 67% |
| Fixed Price Contracts | $81.1M | 33% |
| Related Party | $692.0K | 0% |
