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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Urban Edge Properties (UE). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $132.6M, roughly 1.9× Urban Edge Properties). Urban Edge Properties runs the higher net margin — 17.1% vs 1.4%, a 15.7% gap on every dollar of revenue. On growth, Urban Edge Properties posted the faster year-over-year revenue change (12.2% vs -1.3%). Over the past eight quarters, Urban Edge Properties's revenue compounded faster (11.6% 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.
Urban Edge Properties is a publicly traded real estate investment trust (REIT) that owns, operates, and develops high-quality retail and mixed-use properties, primarily located in densely populated urban and suburban markets across the United States. Its portfolio covers grocery-anchored shopping centers, lifestyle outlets, and community-focused commercial assets.
OPRT vs UE — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $132.6M |
| Net Profit | $3.4M | $22.6M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | — |
| Net Margin | 1.4% | 17.1% |
| Revenue YoY | -1.3% | 12.2% |
| Net Profit YoY | -61.0% | -6.7% |
| EPS (diluted) | $0.07 | $0.18 |
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 | — | $132.6M | ||
| Q4 25 | $247.7M | $119.6M | ||
| Q3 25 | $238.7M | $120.1M | ||
| Q2 25 | $234.3M | $114.1M | ||
| Q1 25 | $235.9M | $118.2M | ||
| Q4 24 | $250.9M | $116.4M | ||
| Q3 24 | $250.0M | $112.4M | ||
| Q2 24 | $250.4M | $106.5M |
| Q1 26 | — | $22.6M | ||
| Q4 25 | $3.4M | $12.4M | ||
| Q3 25 | $5.2M | $14.9M | ||
| Q2 25 | $6.9M | $58.0M | ||
| Q1 25 | $9.8M | $8.2M | ||
| Q4 24 | $8.7M | $30.1M | ||
| Q3 24 | $-30.0M | $9.1M | ||
| Q2 24 | $-31.0M | $30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 2.6% | 11.3% | ||
| Q3 25 | 6.0% | 13.4% | ||
| Q2 25 | 4.3% | 53.9% | ||
| Q1 25 | 5.6% | 7.6% | ||
| Q4 24 | 89.6% | 27.6% | ||
| Q3 24 | -15.8% | 8.9% | ||
| Q2 24 | -19.6% | 30.6% |
| Q1 26 | — | 17.1% | ||
| Q4 25 | 1.4% | 10.4% | ||
| Q3 25 | 2.2% | 12.4% | ||
| Q2 25 | 2.9% | 50.8% | ||
| Q1 25 | 4.1% | 6.9% | ||
| Q4 24 | 200.1% | 25.9% | ||
| Q3 24 | -12.0% | 8.1% | ||
| Q2 24 | -12.4% | 28.9% |
| Q1 26 | — | $0.18 | ||
| Q4 25 | $0.07 | $0.09 | ||
| Q3 25 | $0.11 | $0.12 | ||
| Q2 25 | $0.14 | $0.46 | ||
| Q1 25 | $0.21 | $0.07 | ||
| Q4 24 | $0.26 | $0.25 | ||
| Q3 24 | $-0.75 | $0.07 | ||
| Q2 24 | $-0.78 | $0.26 |
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 | $50.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $1.4B |
| Total Assets | $3.3B | $3.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $50.0M | ||
| Q4 25 | $105.5M | $48.9M | ||
| Q3 25 | $104.6M | $77.8M | ||
| Q2 25 | $96.8M | $53.0M | ||
| Q1 25 | $78.5M | $48.0M | ||
| Q4 24 | $60.0M | $41.4M | ||
| Q3 24 | $71.8M | $67.9M | ||
| Q2 24 | $72.9M | $78.6M |
| Q1 26 | — | $1.4B | ||
| Q4 25 | $390.1M | $1.4B | ||
| Q3 25 | $383.9M | $1.4B | ||
| Q2 25 | $376.0M | $1.4B | ||
| Q1 25 | $366.1M | $1.4B | ||
| Q4 24 | $353.8M | $1.4B | ||
| Q3 24 | $327.6M | $1.3B | ||
| Q2 24 | $354.1M | $1.3B |
| Q1 26 | — | $3.4B | ||
| Q4 25 | $3.3B | $3.3B | ||
| Q3 25 | $3.2B | $3.3B | ||
| Q2 25 | $3.2B | $3.3B | ||
| Q1 25 | $3.2B | $3.3B | ||
| Q4 24 | $3.2B | $3.3B | ||
| Q3 24 | $3.3B | $3.2B | ||
| Q2 24 | $3.3B | $3.2B |
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 | $39.1M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | 121.45× | 1.73× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $39.1M | ||
| Q4 25 | $413.4M | $182.7M | ||
| Q3 25 | $99.0M | $55.7M | ||
| Q2 25 | $104.5M | $43.5M | ||
| Q1 25 | $101.0M | $32.6M | ||
| Q4 24 | $393.5M | $153.2M | ||
| Q3 24 | $108.5M | $36.6M | ||
| Q2 24 | $107.7M | $41.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | $81.8M | ||
| Q3 25 | — | $26.1M | ||
| Q2 25 | — | $19.6M | ||
| Q1 25 | — | $11.9M | ||
| Q4 24 | — | $42.5M | ||
| Q3 24 | — | $12.2M | ||
| Q2 24 | — | $19.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | 68.4% | ||
| Q3 25 | — | 21.7% | ||
| Q2 25 | — | 17.2% | ||
| Q1 25 | — | 10.0% | ||
| Q4 24 | — | 36.6% | ||
| Q3 24 | — | 10.8% | ||
| Q2 24 | — | 18.6% |
| Q1 26 | — | 1.5% | ||
| Q4 25 | — | 84.4% | ||
| Q3 25 | — | 24.6% | ||
| Q2 25 | — | 20.9% | ||
| Q1 25 | — | 17.5% | ||
| Q4 24 | — | 95.1% | ||
| Q3 24 | — | 21.7% | ||
| Q2 24 | — | 20.1% |
| Q1 26 | — | 1.73× | ||
| Q4 25 | 121.45× | 14.71× | ||
| Q3 25 | 19.05× | 3.73× | ||
| Q2 25 | 15.20× | 0.75× | ||
| Q1 25 | 10.34× | 3.97× | ||
| Q4 24 | 45.04× | 5.09× | ||
| Q3 24 | — | 4.03× | ||
| Q2 24 | — | 1.34× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
UE
| Rental revenue | $124.2M | 94% |
| Other | $8.4M | 6% |
