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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Vital Farms, Inc. (VITL). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $213.6M, roughly 1.2× Vital Farms, Inc.). Vital Farms, Inc. runs the higher net margin — 7.6% vs 1.4%, a 6.3% gap on every dollar of revenue. On growth, Vital Farms, Inc. posted the faster year-over-year revenue change (28.7% vs -1.3%). Over the past eight quarters, Vital Farms, Inc.'s revenue compounded faster (20.2% 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.
Vital Tomosi Dairy Limited is a dairy processing company in Uganda. The company is a joint venture between Vital Capital Fund, "an impact investing fund primarily focused on Sub-Saharan Africa", and "Tomosi Dairy Farms, a Ugandan producer of dairy products".
OPRT vs VITL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $213.6M |
| Net Profit | $3.4M | $16.3M |
| Gross Margin | — | 35.8% |
| Operating Margin | 2.6% | 10.0% |
| Net Margin | 1.4% | 7.6% |
| Revenue YoY | -1.3% | 28.7% |
| Net Profit YoY | -61.0% | 54.3% |
| EPS (diluted) | $0.07 | $0.35 |
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 | $213.6M | ||
| Q3 25 | $238.7M | $198.9M | ||
| Q2 25 | $234.3M | $184.8M | ||
| Q1 25 | $235.9M | $162.2M | ||
| Q4 24 | $250.9M | $166.0M | ||
| Q3 24 | $250.0M | $145.0M | ||
| Q2 24 | $250.4M | $147.4M | ||
| Q1 24 | $250.5M | $147.9M |
| Q4 25 | $3.4M | $16.3M | ||
| Q3 25 | $5.2M | $16.4M | ||
| Q2 25 | $6.9M | $16.6M | ||
| Q1 25 | $9.8M | $16.9M | ||
| Q4 24 | $8.7M | $10.6M | ||
| Q3 24 | $-30.0M | $7.4M | ||
| Q2 24 | $-31.0M | $16.3M | ||
| Q1 24 | $-26.4M | $19.0M |
| Q4 25 | — | 35.8% | ||
| Q3 25 | — | 37.7% | ||
| Q2 25 | — | 38.9% | ||
| Q1 25 | — | 38.5% | ||
| Q4 24 | — | 36.1% | ||
| Q3 24 | — | 36.9% | ||
| Q2 24 | — | 39.1% | ||
| Q1 24 | — | 39.8% |
| Q4 25 | 2.6% | 10.0% | ||
| Q3 25 | 6.0% | 10.8% | ||
| Q2 25 | 4.3% | 12.9% | ||
| Q1 25 | 5.6% | 13.4% | ||
| Q4 24 | 89.6% | 7.8% | ||
| Q3 24 | -15.8% | 6.4% | ||
| Q2 24 | -19.6% | 11.6% | ||
| Q1 24 | -12.2% | 16.3% |
| Q4 25 | 1.4% | 7.6% | ||
| Q3 25 | 2.2% | 8.3% | ||
| Q2 25 | 2.9% | 9.0% | ||
| Q1 25 | 4.1% | 10.4% | ||
| Q4 24 | 200.1% | 6.4% | ||
| Q3 24 | -12.0% | 5.1% | ||
| Q2 24 | -12.4% | 11.1% | ||
| Q1 24 | -10.6% | 12.9% |
| Q4 25 | $0.07 | $0.35 | ||
| Q3 25 | $0.11 | $0.36 | ||
| Q2 25 | $0.14 | $0.36 | ||
| Q1 25 | $0.21 | $0.37 | ||
| Q4 24 | $0.26 | $0.23 | ||
| Q3 24 | $-0.75 | $0.16 | ||
| Q2 24 | $-0.78 | $0.36 | ||
| Q1 24 | $-0.68 | $0.43 |
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 | $48.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $351.3M |
| Total Assets | $3.3B | $518.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $48.8M | ||
| Q3 25 | $104.6M | $93.8M | ||
| Q2 25 | $96.8M | $108.2M | ||
| Q1 25 | $78.5M | $156.3M | ||
| Q4 24 | $60.0M | $150.6M | ||
| Q3 24 | $71.8M | $149.5M | ||
| Q2 24 | $72.9M | $133.2M | ||
| Q1 24 | $69.2M | $113.8M |
| Q4 25 | $390.1M | $351.3M | ||
| Q3 25 | $383.9M | $331.2M | ||
| Q2 25 | $376.0M | $309.8M | ||
| Q1 25 | $366.1M | $288.9M | ||
| Q4 24 | $353.8M | $269.3M | ||
| Q3 24 | $327.6M | $253.4M | ||
| Q2 24 | $354.1M | $238.4M | ||
| Q1 24 | $382.0M | $213.3M |
| Q4 25 | $3.3B | $518.7M | ||
| Q3 25 | $3.2B | $481.5M | ||
| Q2 25 | $3.2B | $430.8M | ||
| Q1 25 | $3.2B | $376.9M | ||
| Q4 24 | $3.2B | $359.3M | ||
| Q3 24 | $3.3B | $344.7M | ||
| Q2 24 | $3.3B | $320.5M | ||
| Q1 24 | $3.3B | $300.2M |
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 | $5.8M |
| Free Cash FlowOCF − Capex | — | $-32.1M |
| FCF MarginFCF / Revenue | — | -15.1% |
| Capex IntensityCapex / Revenue | — | 17.8% |
| Cash ConversionOCF / Net Profit | 121.45× | 0.35× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-48.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $5.8M | ||
| Q3 25 | $99.0M | $23.4M | ||
| Q2 25 | $104.5M | $-761.0K | ||
| Q1 25 | $101.0M | $5.3M | ||
| Q4 24 | $393.5M | $14.8M | ||
| Q3 24 | $108.5M | $10.0M | ||
| Q2 24 | $107.7M | $16.1M | ||
| Q1 24 | $85.9M | $23.9M |
| Q4 25 | — | $-32.1M | ||
| Q3 25 | — | $-10.6M | ||
| Q2 25 | — | $-7.6M | ||
| Q1 25 | — | $2.1M | ||
| Q4 24 | — | $-3.4M | ||
| Q3 24 | — | $6.4M | ||
| Q2 24 | — | $10.5M | ||
| Q1 24 | — | $22.6M |
| Q4 25 | — | -15.1% | ||
| Q3 25 | — | -5.3% | ||
| Q2 25 | — | -4.1% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | -2.0% | ||
| Q3 24 | — | 4.4% | ||
| Q2 24 | — | 7.2% | ||
| Q1 24 | — | 15.3% |
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 17.1% | ||
| Q2 25 | — | 3.7% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 10.9% | ||
| Q3 24 | — | 2.5% | ||
| Q2 24 | — | 3.8% | ||
| Q1 24 | — | 0.9% |
| Q4 25 | 121.45× | 0.35× | ||
| Q3 25 | 19.05× | 1.43× | ||
| Q2 25 | 15.20× | -0.05× | ||
| Q1 25 | 10.34× | 0.31× | ||
| Q4 24 | 45.04× | 1.40× | ||
| Q3 24 | — | 1.34× | ||
| Q2 24 | — | 0.99× | ||
| Q1 24 | — | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
VITL
| Eggs And Egg Related Products | $205.8M | 96% |
| Butter And Butter Related Products | $7.7M | 4% |
