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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Wheels Up Experience Inc. (UP). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $183.8M, roughly 1.3× Wheels Up Experience Inc.). Oportun Financial Corp runs the higher net margin — 1.4% vs -15.7%, a 17.1% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -10.2%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -3.4%).
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.
Wheels Up is a provider of "on demand" private aviation in the United States and one of the largest private aviation companies in the world. It was founded in 2013 by Kenny Dichter, using a membership/on-demand business model. Wheels Up members can book private aircraft from the company fleet and third-party operators using a mobile application.
OPRT vs UP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $183.8M |
| Net Profit | $3.4M | $-28.9M |
| Gross Margin | — | 14.3% |
| Operating Margin | 2.6% | -0.9% |
| Net Margin | 1.4% | -15.7% |
| Revenue YoY | -1.3% | -10.2% |
| Net Profit YoY | -61.0% | 67.0% |
| EPS (diluted) | $0.07 | $-0.04 |
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 | $183.8M | ||
| Q3 25 | $238.7M | $185.5M | ||
| Q2 25 | $234.3M | $189.6M | ||
| Q1 25 | $235.9M | $177.5M | ||
| Q4 24 | $250.9M | $204.8M | ||
| Q3 24 | $250.0M | $193.9M | ||
| Q2 24 | $250.4M | $196.3M | ||
| Q1 24 | $250.5M | $197.1M |
| Q4 25 | $3.4M | $-28.9M | ||
| Q3 25 | $5.2M | $-83.7M | ||
| Q2 25 | $6.9M | $-82.3M | ||
| Q1 25 | $9.8M | $-99.3M | ||
| Q4 24 | $8.7M | $-87.5M | ||
| Q3 24 | $-30.0M | $-57.7M | ||
| Q2 24 | $-31.0M | $-97.0M | ||
| Q1 24 | $-26.4M | $-97.4M |
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | -0.6% |
| Q4 25 | 2.6% | -0.9% | ||
| Q3 25 | 6.0% | -33.1% | ||
| Q2 25 | 4.3% | -31.4% | ||
| Q1 25 | 5.6% | -45.5% | ||
| Q4 24 | 89.6% | -26.0% | ||
| Q3 24 | -15.8% | -21.6% | ||
| Q2 24 | -19.6% | -40.3% | ||
| Q1 24 | -12.2% | -42.9% |
| Q4 25 | 1.4% | -15.7% | ||
| Q3 25 | 2.2% | -45.1% | ||
| Q2 25 | 2.9% | -43.4% | ||
| Q1 25 | 4.1% | -55.9% | ||
| Q4 24 | 200.1% | -42.7% | ||
| Q3 24 | -12.0% | -29.8% | ||
| Q2 24 | -12.4% | -49.4% | ||
| Q1 24 | -10.6% | -49.4% |
| Q4 25 | $0.07 | $-0.04 | ||
| Q3 25 | $0.11 | $-0.12 | ||
| Q2 25 | $0.14 | $-0.12 | ||
| Q1 25 | $0.21 | $-0.14 | ||
| Q4 24 | $0.26 | $-0.13 | ||
| Q3 24 | $-0.75 | $-0.08 | ||
| Q2 24 | $-0.78 | $-0.14 | ||
| Q1 24 | $-0.68 | $-0.14 |
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 | $133.9M |
| Total DebtLower is stronger | — | $671.3M |
| Stockholders' EquityBook value | $390.1M | $-392.1M |
| Total Assets | $3.3B | $968.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $133.9M | ||
| Q3 25 | $104.6M | $125.3M | ||
| Q2 25 | $96.8M | $107.0M | ||
| Q1 25 | $78.5M | $171.8M | ||
| Q4 24 | $60.0M | $216.4M | ||
| Q3 24 | $71.8M | $115.9M | ||
| Q2 24 | $72.9M | $141.5M | ||
| Q1 24 | $69.2M | $180.9M |
| Q4 25 | — | $671.3M | ||
| Q3 25 | — | $766.5M | ||
| Q2 25 | — | $770.5M | ||
| Q1 25 | — | $765.8M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | — | $596.9M | ||
| Q2 24 | — | $597.4M | ||
| Q1 24 | — | $603.2M |
| Q4 25 | $390.1M | $-392.1M | ||
| Q3 25 | $383.9M | $-374.5M | ||
| Q2 25 | $376.0M | $-347.8M | ||
| Q1 25 | $366.1M | $-288.1M | ||
| Q4 24 | $353.8M | $-202.1M | ||
| Q3 24 | $327.6M | $-117.7M | ||
| Q2 24 | $354.1M | $-72.2M | ||
| Q1 24 | $382.0M | $936.0K |
| Q4 25 | $3.3B | $968.8M | ||
| Q3 25 | $3.2B | $973.0M | ||
| Q2 25 | $3.2B | $1.0B | ||
| Q1 25 | $3.2B | $1.1B | ||
| Q4 24 | $3.2B | $1.2B | ||
| Q3 24 | $3.3B | $1.0B | ||
| Q2 24 | $3.3B | $1.1B | ||
| Q1 24 | $3.3B | $1.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 644.43× |
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 | $-18.4M |
| Free Cash FlowOCF − Capex | — | $-58.3M |
| FCF MarginFCF / Revenue | — | -31.7% |
| Capex IntensityCapex / Revenue | — | 21.7% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-259.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $-18.4M | ||
| Q3 25 | $99.0M | $-37.1M | ||
| Q2 25 | $104.5M | $-62.9M | ||
| Q1 25 | $101.0M | $-47.9M | ||
| Q4 24 | $393.5M | $37.9M | ||
| Q3 24 | $108.5M | $-16.9M | ||
| Q2 24 | $107.7M | $-25.2M | ||
| Q1 24 | $85.9M | $-73.8M |
| Q4 25 | — | $-58.3M | ||
| Q3 25 | — | $-60.4M | ||
| Q2 25 | — | $-78.6M | ||
| Q1 25 | — | $-62.6M | ||
| Q4 24 | — | $-70.2M | ||
| Q3 24 | — | $-21.9M | ||
| Q2 24 | — | $-30.8M | ||
| Q1 24 | — | $-77.8M |
| Q4 25 | — | -31.7% | ||
| Q3 25 | — | -32.6% | ||
| Q2 25 | — | -41.5% | ||
| Q1 25 | — | -35.3% | ||
| Q4 24 | — | -34.3% | ||
| Q3 24 | — | -11.3% | ||
| Q2 24 | — | -15.7% | ||
| Q1 24 | — | -39.5% |
| Q4 25 | — | 21.7% | ||
| Q3 25 | — | 12.5% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 8.3% | ||
| Q4 24 | — | 52.8% | ||
| Q3 24 | — | 2.6% | ||
| Q2 24 | — | 2.9% | ||
| Q1 24 | — | 2.0% |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
