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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and VARONIS SYSTEMS INC (VRNS). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $173.1M, roughly 1.4× VARONIS SYSTEMS INC). On growth, VARONIS SYSTEMS INC posted the faster year-over-year revenue change (26.9% vs -1.3%). Over the past eight quarters, VARONIS SYSTEMS INC's revenue compounded faster (15.2% 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.
Varonis Systems, Inc. is a software company based in Miami, Florida with R&D offices in Herzliya, Israel. The company’s Data Security Platform analyzes data and data activity using the insights to identify data exposure risks stemming from access permissions and software-as-a-service (SaaS) app configurations, triggering automated remediation capabilities in response.
OPRT vs VRNS — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $173.1M |
| Net Profit | $3.4M | — |
| Gross Margin | — | 76.0% |
| Operating Margin | 2.6% | -1.7% |
| Net Margin | 1.4% | — |
| Revenue YoY | -1.3% | 26.9% |
| Net Profit YoY | -61.0% | — |
| EPS (diluted) | $0.07 | — |
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 | — | $173.1M | ||
| Q4 25 | $247.7M | $173.4M | ||
| Q3 25 | $238.7M | $161.6M | ||
| Q2 25 | $234.3M | $152.2M | ||
| Q1 25 | $235.9M | $136.4M | ||
| Q4 24 | $250.9M | $158.5M | ||
| Q3 24 | $250.0M | $148.1M | ||
| Q2 24 | $250.4M | $130.3M |
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $-27.8M | ||
| Q3 25 | $5.2M | $-29.9M | ||
| Q2 25 | $6.9M | $-35.8M | ||
| Q1 25 | $9.8M | $-35.8M | ||
| Q4 24 | $8.7M | $-13.0M | ||
| Q3 24 | $-30.0M | $-18.3M | ||
| Q2 24 | $-31.0M | $-23.9M |
| Q1 26 | — | 76.0% | ||
| Q4 25 | — | 78.9% | ||
| Q3 25 | — | 78.2% | ||
| Q2 25 | — | 79.5% | ||
| Q1 25 | — | 78.7% | ||
| Q4 24 | — | 83.6% | ||
| Q3 24 | — | 83.8% | ||
| Q2 24 | — | 82.8% |
| Q1 26 | — | -1.7% | ||
| Q4 25 | 2.6% | -17.5% | ||
| Q3 25 | 6.0% | -22.2% | ||
| Q2 25 | 4.3% | -24.0% | ||
| Q1 25 | 5.6% | -32.1% | ||
| Q4 24 | 89.6% | -11.1% | ||
| Q3 24 | -15.8% | -16.0% | ||
| Q2 24 | -19.6% | -22.1% |
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | -16.0% | ||
| Q3 25 | 2.2% | -18.5% | ||
| Q2 25 | 2.9% | -23.5% | ||
| Q1 25 | 4.1% | -26.2% | ||
| Q4 24 | 200.1% | -8.2% | ||
| Q3 24 | -12.0% | -12.4% | ||
| Q2 24 | -12.4% | -18.4% |
| Q1 26 | — | — | ||
| Q4 25 | $0.07 | $-0.23 | ||
| Q3 25 | $0.11 | $-0.26 | ||
| Q2 25 | $0.14 | $-0.32 | ||
| Q1 25 | $0.21 | $-0.32 | ||
| Q4 24 | $0.26 | $-0.12 | ||
| Q3 24 | $-0.75 | $-0.16 | ||
| Q2 24 | $-0.78 | $-0.21 |
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 | $179.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $453.5M |
| Total Assets | $3.3B | $1.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $179.3M | ||
| Q4 25 | $105.5M | $883.7M | ||
| Q3 25 | $104.6M | $671.3M | ||
| Q2 25 | $96.8M | $770.9M | ||
| Q1 25 | $78.5M | $567.6M | ||
| Q4 24 | $60.0M | $529.0M | ||
| Q3 24 | $71.8M | $844.8M | ||
| Q2 24 | $72.9M | $582.5M |
| Q1 26 | — | $453.5M | ||
| Q4 25 | $390.1M | $598.7M | ||
| Q3 25 | $383.9M | $604.8M | ||
| Q2 25 | $376.0M | $341.5M | ||
| Q1 25 | $366.1M | $367.7M | ||
| Q4 24 | $353.8M | $455.7M | ||
| Q3 24 | $327.6M | $428.6M | ||
| Q2 24 | $354.1M | $458.6M |
| Q1 26 | — | $1.6B | ||
| Q4 25 | $3.3B | $1.8B | ||
| Q3 25 | $3.2B | $1.7B | ||
| Q2 25 | $3.2B | $1.6B | ||
| Q1 25 | $3.2B | $1.6B | ||
| Q4 24 | $3.2B | $1.7B | ||
| Q3 24 | $3.3B | $1.5B | ||
| Q2 24 | $3.3B | $1.1B |
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 | $55.0M |
| Free Cash FlowOCF − Capex | — | $49.0M |
| FCF MarginFCF / Revenue | — | 28.3% |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $118.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $55.0M | ||
| Q4 25 | $413.4M | $24.7M | ||
| Q3 25 | $99.0M | $33.4M | ||
| Q2 25 | $104.5M | $21.3M | ||
| Q1 25 | $101.0M | $68.0M | ||
| Q4 24 | $393.5M | $24.3M | ||
| Q3 24 | $108.5M | $22.5M | ||
| Q2 24 | $107.7M | $11.7M |
| Q1 26 | — | $49.0M | ||
| Q4 25 | — | $20.7M | ||
| Q3 25 | — | $30.4M | ||
| Q2 25 | — | $18.0M | ||
| Q1 25 | — | $65.7M | ||
| Q4 24 | — | $19.9M | ||
| Q3 24 | — | $21.3M | ||
| Q2 24 | — | $10.9M |
| Q1 26 | — | 28.3% | ||
| Q4 25 | — | 12.0% | ||
| Q3 25 | — | 18.8% | ||
| Q2 25 | — | 11.8% | ||
| Q1 25 | — | 48.1% | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | — | 14.4% | ||
| Q2 24 | — | 8.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 0.8% | ||
| Q2 24 | — | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
VRNS
| SaaS | $161.1M | 93% |
| Term license subscriptions | $6.9M | 4% |
| Maintenance and services | $5.2M | 3% |
