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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Terreno Realty Corp (TRNO). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $137.5M, roughly 1.8× Terreno Realty Corp). Terreno Realty Corp runs the higher net margin — 115.1% vs 1.4%, a 113.7% gap on every dollar of revenue. On growth, Terreno Realty Corp posted the faster year-over-year revenue change (32.6% vs -1.3%). Over the past eight quarters, Terreno Realty Corp's revenue compounded faster (27.2% 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.
Terreno Realty Corp is a publicly traded real estate investment trust that specializes in owning, operating, and acquiring high-quality industrial real estate assets. Its portfolio mainly includes distribution warehouses and logistics facilities located in high-demand coastal U.S. metropolitan markets, serving tenants across e-commerce, last-mile delivery, retail supply chain, and light manufacturing segments.
OPRT vs TRNO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $137.5M |
| Net Profit | $3.4M | $158.2M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | — |
| Net Margin | 1.4% | 115.1% |
| Revenue YoY | -1.3% | 32.6% |
| Net Profit YoY | -61.0% | 107.9% |
| EPS (diluted) | $0.07 | $1.54 |
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 | $137.5M | ||
| Q3 25 | $238.7M | $116.2M | ||
| Q2 25 | $234.3M | $112.2M | ||
| Q1 25 | $235.9M | $110.4M | ||
| Q4 24 | $250.9M | $103.7M | ||
| Q3 24 | $250.0M | $99.6M | ||
| Q2 24 | $250.4M | $94.2M | ||
| Q1 24 | $250.5M | $85.0M |
| Q4 25 | $3.4M | $158.2M | ||
| Q3 25 | $5.2M | $103.4M | ||
| Q2 25 | $6.9M | $93.3M | ||
| Q1 25 | $9.8M | $48.1M | ||
| Q4 24 | $8.7M | $76.1M | ||
| Q3 24 | $-30.0M | $36.6M | ||
| Q2 24 | $-31.0M | $35.7M | ||
| Q1 24 | $-26.4M | $36.1M |
| Q4 25 | 2.6% | — | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 4.3% | — | ||
| Q1 25 | 5.6% | — | ||
| Q4 24 | 89.6% | — | ||
| Q3 24 | -15.8% | — | ||
| Q2 24 | -19.6% | — | ||
| Q1 24 | -12.2% | — |
| Q4 25 | 1.4% | 115.1% | ||
| Q3 25 | 2.2% | 88.9% | ||
| Q2 25 | 2.9% | 83.1% | ||
| Q1 25 | 4.1% | 43.6% | ||
| Q4 24 | 200.1% | 73.4% | ||
| Q3 24 | -12.0% | 36.8% | ||
| Q2 24 | -12.4% | 37.9% | ||
| Q1 24 | -10.6% | 42.4% |
| Q4 25 | $0.07 | $1.54 | ||
| Q3 25 | $0.11 | $1.00 | ||
| Q2 25 | $0.14 | $0.90 | ||
| Q1 25 | $0.21 | $0.47 | ||
| Q4 24 | $0.26 | $0.78 | ||
| Q3 24 | $-0.75 | $0.37 | ||
| Q2 24 | $-0.78 | $0.37 | ||
| Q1 24 | $-0.68 | $0.40 |
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 | $25.0M |
| Total DebtLower is stronger | — | $943.3M |
| Stockholders' EquityBook value | $390.1M | $4.1B |
| Total Assets | $3.3B | $5.4B |
| Debt / EquityLower = less leverage | — | 0.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $25.0M | ||
| Q3 25 | $104.6M | $26.2M | ||
| Q2 25 | $96.8M | $128.4M | ||
| Q1 25 | $78.5M | $156.5M | ||
| Q4 24 | $60.0M | $18.1M | ||
| Q3 24 | $71.8M | $243.7M | ||
| Q2 24 | $72.9M | $182.0M | ||
| Q1 24 | $69.2M | $649.6M |
| Q4 25 | — | $943.3M | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | — | $742.4M | ||
| Q1 25 | — | $741.9M | ||
| Q4 24 | — | $823.4M | ||
| Q3 24 | — | $672.2M | ||
| Q2 24 | — | $772.0M | ||
| Q1 24 | — | $771.8M |
| Q4 25 | $390.1M | $4.1B | ||
| Q3 25 | $383.9M | $4.0B | ||
| Q2 25 | $376.0M | $3.9B | ||
| Q1 25 | $366.1M | $3.9B | ||
| Q4 24 | $353.8M | $3.7B | ||
| Q3 24 | $327.6M | $3.6B | ||
| Q2 24 | $354.1M | $3.4B | ||
| Q1 24 | $382.0M | $3.4B |
| Q4 25 | $3.3B | $5.4B | ||
| Q3 25 | $3.2B | $5.3B | ||
| Q2 25 | $3.2B | $5.0B | ||
| Q1 25 | $3.2B | $4.9B | ||
| Q4 24 | $3.2B | $4.8B | ||
| Q3 24 | $3.3B | $4.6B | ||
| Q2 24 | $3.3B | $4.5B | ||
| Q1 24 | $3.3B | $4.4B |
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.19× | ||
| Q2 24 | — | 0.22× | ||
| Q1 24 | — | 0.22× |
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 | $271.9M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 121.45× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $271.9M | ||
| Q3 25 | $99.0M | $79.5M | ||
| Q2 25 | $104.5M | $60.6M | ||
| Q1 25 | $101.0M | $61.4M | ||
| Q4 24 | $393.5M | $232.7M | ||
| Q3 24 | $108.5M | $70.0M | ||
| Q2 24 | $107.7M | $64.3M | ||
| Q1 24 | $85.9M | $47.0M |
| Q4 25 | 121.45× | 1.72× | ||
| Q3 25 | 19.05× | 0.77× | ||
| Q2 25 | 15.20× | 0.65× | ||
| Q1 25 | 10.34× | 1.28× | ||
| Q4 24 | 45.04× | 3.06× | ||
| Q3 24 | — | 1.91× | ||
| Q2 24 | — | 1.80× | ||
| Q1 24 | — | 1.30× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
TRNO
| Disposal Group Disposed Of By Sale Not Discontinued Operations | $109.5M | 80% |
| Other | $23.8M | 17% |
| At Market Equity Offering Program500Million | $4.1M | 3% |
