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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and WORKIVA INC (WK). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $238.9M, roughly 1.0× WORKIVA INC). WORKIVA INC runs the higher net margin — 4.9% vs 1.4%, a 3.6% gap on every dollar of revenue. On growth, WORKIVA INC posted the faster year-over-year revenue change (19.5% vs -1.3%). Over the past eight quarters, WORKIVA INC's revenue compounded faster (16.6% 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.
Workiva, Inc. is a global software-as-a-service (SaaS) company. It provides a cloud-based connected and reporting compliance platform that enables the use of connected data and automation of reporting across finance, accounting, risk, and compliance.
OPRT vs WK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $238.9M |
| Net Profit | $3.4M | $11.8M |
| Gross Margin | — | 80.7% |
| Operating Margin | 2.6% | 3.3% |
| Net Margin | 1.4% | 4.9% |
| Revenue YoY | -1.3% | 19.5% |
| Net Profit YoY | -61.0% | 234.0% |
| EPS (diluted) | $0.07 | $0.21 |
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 | $238.9M | ||
| Q3 25 | $238.7M | $224.2M | ||
| Q2 25 | $234.3M | $215.2M | ||
| Q1 25 | $235.9M | $206.3M | ||
| Q4 24 | $250.9M | $199.9M | ||
| Q3 24 | $250.0M | $185.6M | ||
| Q2 24 | $250.4M | $177.5M | ||
| Q1 24 | $250.5M | $175.7M |
| Q4 25 | $3.4M | $11.8M | ||
| Q3 25 | $5.2M | $2.8M | ||
| Q2 25 | $6.9M | $-19.4M | ||
| Q1 25 | $9.8M | $-21.4M | ||
| Q4 24 | $8.7M | $-8.8M | ||
| Q3 24 | $-30.0M | $-17.0M | ||
| Q2 24 | $-31.0M | $-17.5M | ||
| Q1 24 | $-26.4M | $-11.7M |
| Q4 25 | — | 80.7% | ||
| Q3 25 | — | 79.3% | ||
| Q2 25 | — | 77.0% | ||
| Q1 25 | — | 76.6% | ||
| Q4 24 | — | 77.1% | ||
| Q3 24 | — | 76.5% | ||
| Q2 24 | — | 76.8% | ||
| Q1 24 | — | 76.4% |
| Q4 25 | 2.6% | 3.3% | ||
| Q3 25 | 6.0% | -1.5% | ||
| Q2 25 | 4.3% | -10.3% | ||
| Q1 25 | 5.6% | -12.0% | ||
| Q4 24 | 89.6% | -6.7% | ||
| Q3 24 | -15.8% | -11.7% | ||
| Q2 24 | -19.6% | -13.0% | ||
| Q1 24 | -12.2% | -10.4% |
| Q4 25 | 1.4% | 4.9% | ||
| Q3 25 | 2.2% | 1.2% | ||
| Q2 25 | 2.9% | -9.0% | ||
| Q1 25 | 4.1% | -10.4% | ||
| Q4 24 | 200.1% | -4.4% | ||
| Q3 24 | -12.0% | -9.2% | ||
| Q2 24 | -12.4% | -9.9% | ||
| Q1 24 | -10.6% | -6.7% |
| Q4 25 | $0.07 | $0.21 | ||
| Q3 25 | $0.11 | $0.05 | ||
| Q2 25 | $0.14 | $-0.35 | ||
| Q1 25 | $0.21 | $-0.38 | ||
| Q4 24 | $0.26 | $-0.15 | ||
| Q3 24 | $-0.75 | $-0.31 | ||
| Q2 24 | $-0.78 | $-0.32 | ||
| Q1 24 | $-0.68 | $-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 | $338.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $-5.4M |
| Total Assets | $3.3B | $1.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $338.8M | ||
| Q3 25 | $104.6M | $315.9M | ||
| Q2 25 | $96.8M | $284.3M | ||
| Q1 25 | $78.5M | $242.0M | ||
| Q4 24 | $60.0M | $301.8M | ||
| Q3 24 | $71.8M | $248.2M | ||
| Q2 24 | $72.9M | $267.9M | ||
| Q1 24 | $69.2M | $296.1M |
| Q4 25 | $390.1M | $-5.4M | ||
| Q3 25 | $383.9M | $-36.9M | ||
| Q2 25 | $376.0M | $-66.5M | ||
| Q1 25 | $366.1M | $-75.7M | ||
| Q4 24 | $353.8M | $-41.7M | ||
| Q3 24 | $327.6M | $-50.8M | ||
| Q2 24 | $354.1M | $-77.7M | ||
| Q1 24 | $382.0M | $-83.2M |
| Q4 25 | $3.3B | $1.5B | ||
| Q3 25 | $3.2B | $1.4B | ||
| Q2 25 | $3.2B | $1.3B | ||
| Q1 25 | $3.2B | $1.3B | ||
| Q4 24 | $3.2B | $1.4B | ||
| Q3 24 | $3.3B | $1.3B | ||
| Q2 24 | $3.3B | $1.2B | ||
| Q1 24 | $3.3B | $1.2B |
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 | $51.0M |
| Free Cash FlowOCF − Capex | — | $50.7M |
| FCF MarginFCF / Revenue | — | 21.2% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | 121.45× | 4.31× |
| TTM Free Cash FlowTrailing 4 quarters | — | $138.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $51.0M | ||
| Q3 25 | $99.0M | $46.2M | ||
| Q2 25 | $104.5M | $50.3M | ||
| Q1 25 | $101.0M | $-7.4M | ||
| Q4 24 | $393.5M | $44.0M | ||
| Q3 24 | $108.5M | $18.9M | ||
| Q2 24 | $107.7M | $-14.0K | ||
| Q1 24 | $85.9M | $24.8M |
| Q4 25 | — | $50.7M | ||
| Q3 25 | — | $46.1M | ||
| Q2 25 | — | $49.3M | ||
| Q1 25 | — | $-8.1M | ||
| Q4 24 | — | $43.2M | ||
| Q3 24 | — | $18.7M | ||
| Q2 24 | — | $-122.0K | ||
| Q1 24 | — | $24.6M |
| Q4 25 | — | 21.2% | ||
| Q3 25 | — | 20.5% | ||
| Q2 25 | — | 22.9% | ||
| Q1 25 | — | -3.9% | ||
| Q4 24 | — | 21.6% | ||
| Q3 24 | — | 10.1% | ||
| Q2 24 | — | -0.1% | ||
| Q1 24 | — | 14.0% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 121.45× | 4.31× | ||
| Q3 25 | 19.05× | 16.57× | ||
| 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.
WK
| License And Service | $219.3M | 92% |
| XBRL Professional Services | $16.4M | 7% |
| Other Services | $3.2M | 1% |
