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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and XPLR Infrastructure, LP (XIFR). Click either name above to swap in a different company.
XPLR Infrastructure, LP is the larger business by last-quarter revenue ($249.0M vs $247.7M, roughly 1.0× Oportun Financial Corp). XPLR Infrastructure, LP runs the higher net margin — 11.2% vs 1.4%, a 9.9% gap on every dollar of revenue. On growth, Oportun Financial Corp posted the faster year-over-year revenue change (-1.3% vs -15.3%). Over the past eight quarters, Oportun Financial Corp's revenue compounded faster (-0.5% CAGR vs -1.6%).
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.
XPLR Infrastructure is a publicly traded subsidiary of NextEra Energy, is a Juno Beach, Florida-based renewable energy company.
OPRT vs XIFR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $249.0M |
| Net Profit | $3.4M | $28.0M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | -19.3% |
| Net Margin | 1.4% | 11.2% |
| Revenue YoY | -1.3% | -15.3% |
| Net Profit YoY | -61.0% | 124.3% |
| 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.
| Q4 25 | $247.7M | $249.0M | ||
| Q3 25 | $238.7M | $315.0M | ||
| Q2 25 | $234.3M | $342.0M | ||
| Q1 25 | $235.9M | $282.0M | ||
| Q4 24 | $250.9M | $294.0M | ||
| Q3 24 | $250.0M | $319.0M | ||
| Q2 24 | $250.4M | $360.0M | ||
| Q1 24 | $250.5M | $257.0M |
| Q4 25 | $3.4M | $28.0M | ||
| Q3 25 | $5.2M | $-37.0M | ||
| Q2 25 | $6.9M | $79.0M | ||
| Q1 25 | $9.8M | $-98.0M | ||
| Q4 24 | $8.7M | $-115.0M | ||
| Q3 24 | $-30.0M | $-40.0M | ||
| Q2 24 | $-31.0M | $62.0M | ||
| Q1 24 | $-26.4M | $70.0M |
| Q4 25 | 2.6% | -19.3% | ||
| Q3 25 | 6.0% | 1.6% | ||
| Q2 25 | 4.3% | 26.3% | ||
| Q1 25 | 5.6% | -82.6% | ||
| Q4 24 | 89.6% | -188.1% | ||
| Q3 24 | -15.8% | 15.4% | ||
| Q2 24 | -19.6% | 18.3% | ||
| Q1 24 | -12.2% | -8.2% |
| Q4 25 | 1.4% | 11.2% | ||
| Q3 25 | 2.2% | -11.7% | ||
| Q2 25 | 2.9% | 23.1% | ||
| Q1 25 | 4.1% | -34.8% | ||
| Q4 24 | 200.1% | -39.1% | ||
| Q3 24 | -12.0% | -12.5% | ||
| Q2 24 | -12.4% | 17.2% | ||
| Q1 24 | -10.6% | 27.2% |
| Q4 25 | $0.07 | — | ||
| Q3 25 | $0.11 | $-0.40 | ||
| Q2 25 | $0.14 | $0.84 | ||
| Q1 25 | $0.21 | $-1.05 | ||
| Q4 24 | $0.26 | — | ||
| Q3 24 | $-0.75 | $-0.43 | ||
| Q2 24 | $-0.78 | $0.66 | ||
| Q1 24 | $-0.68 | $0.75 |
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 | $960.0M |
| Total DebtLower is stronger | — | $6.2B |
| Stockholders' EquityBook value | $390.1M | $10.9B |
| Total Assets | $3.3B | $19.6B |
| Debt / EquityLower = less leverage | — | 0.57× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $960.0M | ||
| Q3 25 | $104.6M | $711.0M | ||
| Q2 25 | $96.8M | $880.0M | ||
| Q1 25 | $78.5M | $1.5B | ||
| Q4 24 | $60.0M | $283.0M | ||
| Q3 24 | $71.8M | $290.0M | ||
| Q2 24 | $72.9M | $281.0M | ||
| Q1 24 | $69.2M | $245.0M |
| Q4 25 | — | $6.2B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $390.1M | $10.9B | ||
| Q3 25 | $383.9M | $11.0B | ||
| Q2 25 | $376.0M | $11.3B | ||
| Q1 25 | $366.1M | $12.6B | ||
| Q4 24 | $353.8M | $12.9B | ||
| Q3 24 | $327.6M | $13.6B | ||
| Q2 24 | $354.1M | $13.9B | ||
| Q1 24 | $382.0M | $14.0B |
| Q4 25 | $3.3B | $19.6B | ||
| Q3 25 | $3.2B | $19.1B | ||
| Q2 25 | $3.2B | $20.5B | ||
| Q1 25 | $3.2B | $21.4B | ||
| Q4 24 | $3.2B | $20.3B | ||
| Q3 24 | $3.3B | $20.9B | ||
| Q2 24 | $3.3B | $21.7B | ||
| Q1 24 | $3.3B | $22.3B |
| Q4 25 | — | 0.57× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.41× | ||
| 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 | $186.0M |
| Free Cash FlowOCF − Capex | — | $-88.0M |
| FCF MarginFCF / Revenue | — | -35.3% |
| Capex IntensityCapex / Revenue | — | 110.0% |
| Cash ConversionOCF / Net Profit | 121.45× | 6.64× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-219.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $186.0M | ||
| Q3 25 | $99.0M | $231.0M | ||
| Q2 25 | $104.5M | $232.0M | ||
| Q1 25 | $101.0M | $90.0M | ||
| Q4 24 | $393.5M | $283.0M | ||
| Q3 24 | $108.5M | $208.0M | ||
| Q2 24 | $107.7M | $231.0M | ||
| Q1 24 | $85.9M | $78.0M |
| Q4 25 | — | $-88.0M | ||
| Q3 25 | — | $-283.0M | ||
| Q2 25 | — | $151.0M | ||
| Q1 25 | — | $1.0M | ||
| Q4 24 | — | $231.0M | ||
| Q3 24 | — | $152.0M | ||
| Q2 24 | — | $162.0M | ||
| Q1 24 | — | $14.0M |
| Q4 25 | — | -35.3% | ||
| Q3 25 | — | -89.8% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 78.6% | ||
| Q3 24 | — | 47.6% | ||
| Q2 24 | — | 45.0% | ||
| Q1 24 | — | 5.4% |
| Q4 25 | — | 110.0% | ||
| Q3 25 | — | 163.2% | ||
| Q2 25 | — | 23.7% | ||
| Q1 25 | — | 31.6% | ||
| Q4 24 | — | 17.7% | ||
| Q3 24 | — | 17.6% | ||
| Q2 24 | — | 19.2% | ||
| Q1 24 | — | 24.9% |
| Q4 25 | 121.45× | 6.64× | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | 2.94× | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 3.73× | ||
| Q1 24 | — | 1.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
XIFR
| Renewable Energy Sales | $238.0M | 96% |
| Related Party | $8.0M | 3% |
