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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and WYNDHAM HOTELS & RESORTS, INC. (WH). Click either name above to swap in a different company.
WYNDHAM HOTELS & RESORTS, INC. is the larger business by last-quarter revenue ($334.0M vs $247.7M, roughly 1.3× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs -18.0%, a 19.3% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -76.3%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -4.6%).
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.
Wyndham Hotels & Resorts, Inc., is an American hospitality company based in Parsippany, New Jersey, United States. It describes itself as the largest hotel franchisor in the world, with 9,100 locations.
OPRT vs WH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $334.0M |
| Net Profit | $3.4M | $-60.0M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | — |
| Net Margin | 1.4% | -18.0% |
| Revenue YoY | -1.3% | -76.3% |
| Net Profit YoY | -61.0% | -170.6% |
| EPS (diluted) | $0.07 | $-0.80 |
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 | — | $334.0M | ||
| Q4 25 | $247.7M | $334.0M | ||
| Q3 25 | $238.7M | $382.0M | ||
| Q2 25 | $234.3M | $397.0M | ||
| Q1 25 | $235.9M | $316.0M | ||
| Q4 24 | $250.9M | $336.0M | ||
| Q3 24 | $250.0M | $396.0M | ||
| Q2 24 | $250.4M | $367.0M |
| Q1 26 | — | $-60.0M | ||
| Q4 25 | $3.4M | $-60.0M | ||
| Q3 25 | $5.2M | $105.0M | ||
| Q2 25 | $6.9M | $87.0M | ||
| Q1 25 | $9.8M | $61.0M | ||
| Q4 24 | $8.7M | $85.0M | ||
| Q3 24 | $-30.0M | $102.0M | ||
| Q2 24 | $-31.0M | $86.0M |
| Q1 26 | — | — | ||
| Q4 25 | 2.6% | -11.4% | ||
| Q3 25 | 6.0% | 46.6% | ||
| Q2 25 | 4.3% | 37.8% | ||
| Q1 25 | 5.6% | 35.4% | ||
| Q4 24 | 89.6% | 38.4% | ||
| Q3 24 | -15.8% | 43.2% | ||
| Q2 24 | -19.6% | 39.5% |
| Q1 26 | — | -18.0% | ||
| Q4 25 | 1.4% | -18.0% | ||
| Q3 25 | 2.2% | 27.5% | ||
| Q2 25 | 2.9% | 21.9% | ||
| Q1 25 | 4.1% | 19.3% | ||
| Q4 24 | 200.1% | 25.3% | ||
| Q3 24 | -12.0% | 25.8% | ||
| Q2 24 | -12.4% | 23.4% |
| Q1 26 | — | $-0.80 | ||
| Q4 25 | $0.07 | $-0.77 | ||
| Q3 25 | $0.11 | $1.36 | ||
| Q2 25 | $0.14 | $1.13 | ||
| Q1 25 | $0.21 | $0.78 | ||
| Q4 24 | $0.26 | $1.06 | ||
| Q3 24 | $-0.75 | $1.29 | ||
| Q2 24 | $-0.78 | $1.07 |
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 | $64.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $468.0M |
| Total Assets | $3.3B | $4.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $64.0M | ||
| Q4 25 | $105.5M | $64.0M | ||
| Q3 25 | $104.6M | $70.0M | ||
| Q2 25 | $96.8M | $50.0M | ||
| Q1 25 | $78.5M | $48.0M | ||
| Q4 24 | $60.0M | $103.0M | ||
| Q3 24 | $71.8M | $72.0M | ||
| Q2 24 | $72.9M | $70.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $2.5B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.5B | ||
| Q1 25 | — | $2.5B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | — | $2.4B | ||
| Q2 24 | — | $2.4B |
| Q1 26 | — | $468.0M | ||
| Q4 25 | $390.1M | $468.0M | ||
| Q3 25 | $383.9M | $583.0M | ||
| Q2 25 | $376.0M | $570.0M | ||
| Q1 25 | $366.1M | $579.0M | ||
| Q4 24 | $353.8M | $650.0M | ||
| Q3 24 | $327.6M | $583.0M | ||
| Q2 24 | $354.1M | $623.0M |
| Q1 26 | — | $4.2B | ||
| Q4 25 | $3.3B | $4.2B | ||
| Q3 25 | $3.2B | $4.3B | ||
| Q2 25 | $3.2B | $4.3B | ||
| Q1 25 | $3.2B | $4.2B | ||
| Q4 24 | $3.2B | $4.2B | ||
| Q3 24 | $3.3B | $4.2B | ||
| Q2 24 | $3.3B | $4.2B |
| Q1 26 | — | — | ||
| Q4 25 | — | 5.37× | ||
| Q3 25 | — | 4.43× | ||
| Q2 25 | — | 4.44× | ||
| Q1 25 | — | 4.29× | ||
| Q4 24 | — | 3.72× | ||
| Q3 24 | — | 4.19× | ||
| Q2 24 | — | 3.83× |
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 | $367.0M |
| Free Cash FlowOCF − Capex | — | $168.0M |
| FCF MarginFCF / Revenue | — | 50.3% |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $437.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $367.0M | ||
| Q4 25 | $413.4M | $152.0M | ||
| Q3 25 | $99.0M | $86.0M | ||
| Q2 25 | $104.5M | $70.0M | ||
| Q1 25 | $101.0M | $59.0M | ||
| Q4 24 | $393.5M | $134.0M | ||
| Q3 24 | $108.5M | $79.0M | ||
| Q2 24 | $107.7M | $1.0M |
| Q1 26 | — | $168.0M | ||
| Q4 25 | — | $136.0M | ||
| Q3 25 | — | $75.0M | ||
| Q2 25 | — | $58.0M | ||
| Q1 25 | — | $52.0M | ||
| Q4 24 | — | $109.0M | ||
| Q3 24 | — | $71.0M | ||
| Q2 24 | — | $-6.0M |
| Q1 26 | — | 50.3% | ||
| Q4 25 | — | 40.7% | ||
| Q3 25 | — | 19.6% | ||
| Q2 25 | — | 14.6% | ||
| Q1 25 | — | 16.5% | ||
| Q4 24 | — | 32.4% | ||
| Q3 24 | — | 17.9% | ||
| Q2 24 | — | -1.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.8% | ||
| Q3 25 | — | 2.9% | ||
| Q2 25 | — | 3.0% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 7.4% | ||
| Q3 24 | — | 2.0% | ||
| Q2 24 | — | 1.9% |
| Q1 26 | — | — | ||
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | 0.82× | ||
| Q2 25 | 15.20× | 0.80× | ||
| Q1 25 | 10.34× | 0.97× | ||
| Q4 24 | 45.04× | 1.58× | ||
| Q3 24 | — | 0.77× | ||
| Q2 24 | — | 0.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
WH
| Fee-related and other revenues | $334.0M | 100% |
| Management and other fees | $2.0M | 1% |
