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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and INTERFACE INC (TILE). Click either name above to swap in a different company.
INTERFACE INC is the larger business by last-quarter revenue ($331.0M vs $247.7M, roughly 1.3× Oportun Financial Corp). INTERFACE INC runs the higher net margin — 7.1% vs 1.4%, a 5.8% gap on every dollar of revenue. On growth, INTERFACE INC posted the faster year-over-year revenue change (11.3% vs -1.3%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -2.3%).
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.
Interface, Inc., headquartered in Atlanta, Georgia, is a global manufacturer of commercial flooring. The company sells modular carpet tiles, luxury vinyl tile, and Nora brand rubber flooring.
OPRT vs TILE — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $331.0M |
| Net Profit | $3.4M | $23.6M |
| Gross Margin | — | 38.3% |
| Operating Margin | 2.6% | 9.8% |
| Net Margin | 1.4% | 7.1% |
| Revenue YoY | -1.3% | 11.3% |
| Net Profit YoY | -61.0% | 81.5% |
| EPS (diluted) | $0.07 | $0.40 |
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.
| Q1 26 | — | $331.0M | ||
| Q4 25 | $247.7M | $349.4M | ||
| Q3 25 | $238.7M | $364.5M | ||
| Q2 25 | $234.3M | $375.5M | ||
| Q1 25 | $235.9M | $297.4M | ||
| Q4 24 | $250.9M | $335.0M | ||
| Q3 24 | $250.0M | $344.3M | ||
| Q2 24 | $250.4M | $346.6M |
| Q1 26 | — | $23.6M | ||
| Q4 25 | $3.4M | $24.4M | ||
| Q3 25 | $5.2M | $46.1M | ||
| Q2 25 | $6.9M | $32.6M | ||
| Q1 25 | $9.8M | $13.0M | ||
| Q4 24 | $8.7M | $21.8M | ||
| Q3 24 | $-30.0M | $28.4M | ||
| Q2 24 | $-31.0M | $22.6M |
| Q1 26 | — | 38.3% | ||
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 39.4% | ||
| Q2 25 | — | 39.4% | ||
| Q1 25 | — | 37.3% | ||
| Q4 24 | — | 36.5% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 35.4% |
| Q1 26 | — | 9.8% | ||
| Q4 25 | 2.6% | 10.1% | ||
| Q3 25 | 6.0% | 14.6% | ||
| Q2 25 | 4.3% | 13.9% | ||
| Q1 25 | 5.6% | 7.8% | ||
| Q4 24 | 89.6% | 8.8% | ||
| Q3 24 | -15.8% | 12.3% | ||
| Q2 24 | -19.6% | 11.0% |
| Q1 26 | — | 7.1% | ||
| Q4 25 | 1.4% | 7.0% | ||
| Q3 25 | 2.2% | 12.7% | ||
| Q2 25 | 2.9% | 8.7% | ||
| Q1 25 | 4.1% | 4.4% | ||
| Q4 24 | 200.1% | 6.5% | ||
| Q3 24 | -12.0% | 8.3% | ||
| Q2 24 | -12.4% | 6.5% |
| Q1 26 | — | $0.40 | ||
| Q4 25 | $0.07 | $0.41 | ||
| Q3 25 | $0.11 | $0.78 | ||
| Q2 25 | $0.14 | $0.55 | ||
| Q1 25 | $0.21 | $0.22 | ||
| Q4 24 | $0.26 | $0.38 | ||
| Q3 24 | $-0.75 | $0.48 | ||
| Q2 24 | $-0.78 | $0.38 |
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 | $61.2M |
| Total DebtLower is stronger | — | $196.5M |
| Stockholders' EquityBook value | $390.1M | $634.6M |
| Total Assets | $3.3B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.31× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $61.2M | ||
| Q4 25 | $105.5M | $71.3M | ||
| Q3 25 | $104.6M | $187.4M | ||
| Q2 25 | $96.8M | $121.7M | ||
| Q1 25 | $78.5M | $97.8M | ||
| Q4 24 | $60.0M | $99.2M | ||
| Q3 24 | $71.8M | $115.6M | ||
| Q2 24 | $72.9M | $94.2M |
| Q1 26 | — | $196.5M | ||
| Q4 25 | — | $181.6M | ||
| Q3 25 | — | $307.8M | ||
| Q2 25 | — | $304.4M | ||
| Q1 25 | — | $302.9M | ||
| Q4 24 | — | $302.8M | ||
| Q3 24 | — | $337.9M | ||
| Q2 24 | — | $387.6M |
| Q1 26 | — | $634.6M | ||
| Q4 25 | $390.1M | $640.7M | ||
| Q3 25 | $383.9M | $621.0M | ||
| Q2 25 | $376.0M | $575.0M | ||
| Q1 25 | $366.1M | $513.1M | ||
| Q4 24 | $353.8M | $489.1M | ||
| Q3 24 | $327.6M | $501.6M | ||
| Q2 24 | $354.1M | $451.2M |
| Q1 26 | — | $1.2B | ||
| Q4 25 | $3.3B | $1.2B | ||
| Q3 25 | $3.2B | $1.3B | ||
| Q2 25 | $3.2B | $1.3B | ||
| Q1 25 | $3.2B | $1.2B | ||
| Q4 24 | $3.2B | $1.2B | ||
| Q3 24 | $3.3B | $1.2B | ||
| Q2 24 | $3.3B | $1.2B |
| Q1 26 | — | 0.31× | ||
| Q4 25 | — | 0.28× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 0.53× | ||
| Q1 25 | — | 0.59× | ||
| Q4 24 | — | 0.62× | ||
| Q3 24 | — | 0.67× | ||
| Q2 24 | — | 0.86× |
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 | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 3.1% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $413.4M | $49.3M | ||
| Q3 25 | $99.0M | $76.7M | ||
| Q2 25 | $104.5M | $30.1M | ||
| Q1 25 | $101.0M | $11.7M | ||
| Q4 24 | $393.5M | $38.0M | ||
| Q3 24 | $108.5M | $76.2M | ||
| Q2 24 | $107.7M | $21.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $28.6M | ||
| Q3 25 | — | $66.1M | ||
| Q2 25 | — | $22.8M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $24.4M | ||
| Q3 24 | — | $69.7M | ||
| Q2 24 | — | $12.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | 18.1% | ||
| Q2 25 | — | 6.1% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 3.5% |
| Q1 26 | — | 3.1% | ||
| Q4 25 | — | 5.9% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 4.1% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 2.8% |
| Q1 26 | — | — | ||
| Q4 25 | 121.45× | 2.02× | ||
| Q3 25 | 19.05× | 1.66× | ||
| Q2 25 | 15.20× | 0.93× | ||
| Q1 25 | 10.34× | 0.90× | ||
| Q4 24 | 45.04× | 1.75× | ||
| Q3 24 | — | 2.68× | ||
| Q2 24 | — | 0.95× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
TILE
| AMS | $195.7M | 59% |
| EAAA | $135.4M | 41% |
