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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
Westrock Coffee Co is the larger business by last-quarter revenue ($339.5M vs $247.7M, roughly 1.4× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs -6.6%, a 8.0% gap on every dollar of revenue. On growth, Westrock Coffee Co posted the faster year-over-year revenue change (48.3% vs -1.3%). Over the past eight quarters, Westrock Coffee Co's revenue compounded faster (32.8% 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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
OPRT vs WEST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $339.5M |
| Net Profit | $3.4M | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | 2.6% | -2.6% |
| Net Margin | 1.4% | -6.6% |
| Revenue YoY | -1.3% | 48.3% |
| Net Profit YoY | -61.0% | 8.3% |
| EPS (diluted) | $0.07 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $238.7M | $354.8M | ||
| Q2 25 | $234.3M | $280.9M | ||
| Q1 25 | $235.9M | $213.8M | ||
| Q4 24 | $250.9M | $229.0M | ||
| Q3 24 | $250.0M | $220.9M | ||
| Q2 24 | $250.4M | $208.4M | ||
| Q1 24 | $250.5M | $192.5M |
| Q4 25 | $3.4M | $-22.6M | ||
| Q3 25 | $5.2M | $-19.1M | ||
| Q2 25 | $6.9M | $-21.6M | ||
| Q1 25 | $9.8M | $-27.2M | ||
| Q4 24 | $8.7M | $-24.6M | ||
| Q3 24 | $-30.0M | $-14.3M | ||
| Q2 24 | $-31.0M | $-17.8M | ||
| Q1 24 | $-26.4M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 2.6% | -2.6% | ||
| Q3 25 | 6.0% | -2.4% | ||
| Q2 25 | 4.3% | -5.3% | ||
| Q1 25 | 5.6% | -6.1% | ||
| Q4 24 | 89.6% | -4.3% | ||
| Q3 24 | -15.8% | -5.8% | ||
| Q2 24 | -19.6% | -7.9% | ||
| Q1 24 | -12.2% | -5.3% |
| Q4 25 | 1.4% | -6.6% | ||
| Q3 25 | 2.2% | -5.4% | ||
| Q2 25 | 2.9% | -7.7% | ||
| Q1 25 | 4.1% | -12.7% | ||
| Q4 24 | 200.1% | -10.7% | ||
| Q3 24 | -12.0% | -6.5% | ||
| Q2 24 | -12.4% | -8.5% | ||
| Q1 24 | -10.6% | -12.3% |
| Q4 25 | $0.07 | $-0.22 | ||
| Q3 25 | $0.11 | $-0.20 | ||
| Q2 25 | $0.14 | $-0.23 | ||
| Q1 25 | $0.21 | $-0.29 | ||
| Q4 24 | $0.26 | $-0.26 | ||
| Q3 24 | $-0.75 | $-0.16 | ||
| Q2 24 | $-0.78 | $-0.20 | ||
| Q1 24 | $-0.68 | $-0.27 |
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 | $49.9M |
| Total DebtLower is stronger | — | $444.1M |
| Stockholders' EquityBook value | $390.1M | $-1.9M |
| Total Assets | $3.3B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $49.9M | ||
| Q3 25 | $104.6M | $34.0M | ||
| Q2 25 | $96.8M | $44.0M | ||
| Q1 25 | $78.5M | $33.1M | ||
| Q4 24 | $60.0M | $26.2M | ||
| Q3 24 | $71.8M | $22.4M | ||
| Q2 24 | $72.9M | $24.3M | ||
| Q1 24 | $69.2M | $12.6M |
| Q4 25 | — | $444.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $393.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $390.1M | $-1.9M | ||
| Q3 25 | $383.9M | $11.4M | ||
| Q2 25 | $376.0M | $18.2M | ||
| Q1 25 | $366.1M | $71.4M | ||
| Q4 24 | $353.8M | $97.5M | ||
| Q3 24 | $327.6M | $110.3M | ||
| Q2 24 | $354.1M | $81.5M | ||
| Q1 24 | $382.0M | $91.7M |
| Q4 25 | $3.3B | $1.2B | ||
| Q3 25 | $3.2B | $1.2B | ||
| Q2 25 | $3.2B | $1.2B | ||
| Q1 25 | $3.2B | $1.1B | ||
| Q4 24 | $3.2B | $1.1B | ||
| Q3 24 | $3.3B | $1.1B | ||
| Q2 24 | $3.3B | $1.1B | ||
| Q1 24 | $3.3B | $983.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.03× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $36.7M |
| Free Cash FlowOCF − Capex | — | $27.8M |
| FCF MarginFCF / Revenue | — | 8.2% |
| Capex IntensityCapex / Revenue | — | 2.6% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $36.7M | ||
| Q3 25 | $99.0M | $-26.6M | ||
| Q2 25 | $104.5M | $-7.0M | ||
| Q1 25 | $101.0M | $-22.1M | ||
| Q4 24 | $393.5M | $2.8M | ||
| Q3 24 | $108.5M | $-332.0K | ||
| Q2 24 | $107.7M | $-23.7M | ||
| Q1 24 | $85.9M | $8.0M |
| Q4 25 | — | $27.8M | ||
| Q3 25 | — | $-44.7M | ||
| Q2 25 | — | $-27.5M | ||
| Q1 25 | — | $-63.4M | ||
| Q4 24 | — | $-15.4M | ||
| Q3 24 | — | $-36.7M | ||
| Q2 24 | — | $-59.9M | ||
| Q1 24 | — | $-60.9M |
| Q4 25 | — | 8.2% | ||
| Q3 25 | — | -12.6% | ||
| Q2 25 | — | -9.8% | ||
| Q1 25 | — | -29.7% | ||
| Q4 24 | — | -6.7% | ||
| Q3 24 | — | -16.6% | ||
| Q2 24 | — | -28.7% | ||
| Q1 24 | — | -31.7% |
| Q4 25 | — | 2.6% | ||
| Q3 25 | — | 5.1% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 19.3% | ||
| Q4 24 | — | 7.9% | ||
| Q3 24 | — | 16.5% | ||
| Q2 24 | — | 17.4% | ||
| Q1 24 | — | 35.8% |
| 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.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
