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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and Xometry, Inc. (XMTR). Click either name above to swap in a different company.
Oportun Financial Corp is the larger business by last-quarter revenue ($247.7M vs $192.4M, roughly 1.3× Xometry, Inc.). Oportun Financial Corp runs the higher net margin — 1.4% vs -4.5%, a 5.9% gap on every dollar of revenue. On growth, Xometry, Inc. posted the faster year-over-year revenue change (29.5% vs -1.3%). Over the past eight quarters, Xometry, Inc.'s revenue compounded faster (25.2% 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.
Xometry is an online marketplace for sourcing on-demand manufactured parts for prototyping and large-scale production.
OPRT vs XMTR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $192.4M |
| Net Profit | $3.4M | $-8.6M |
| Gross Margin | — | 39.1% |
| Operating Margin | 2.6% | -4.6% |
| Net Margin | 1.4% | -4.5% |
| Revenue YoY | -1.3% | 29.5% |
| Net Profit YoY | -61.0% | 12.7% |
| 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 | $192.4M | ||
| Q3 25 | $238.7M | $180.7M | ||
| Q2 25 | $234.3M | $162.5M | ||
| Q1 25 | $235.9M | $151.0M | ||
| Q4 24 | $250.9M | $148.5M | ||
| Q3 24 | $250.0M | $141.7M | ||
| Q2 24 | $250.4M | $132.6M | ||
| Q1 24 | $250.5M | $122.7M |
| Q4 25 | $3.4M | $-8.6M | ||
| Q3 25 | $5.2M | $-11.6M | ||
| Q2 25 | $6.9M | $-26.4M | ||
| Q1 25 | $9.8M | $-15.1M | ||
| Q4 24 | $8.7M | $-9.9M | ||
| Q3 24 | $-30.0M | $-10.2M | ||
| Q2 24 | $-31.0M | $-13.7M | ||
| Q1 24 | $-26.4M | $-16.6M |
| Q4 25 | — | 39.1% | ||
| Q3 25 | — | 39.9% | ||
| Q2 25 | — | 40.1% | ||
| Q1 25 | — | 37.3% | ||
| Q4 24 | — | 39.7% | ||
| Q3 24 | — | 39.4% | ||
| Q2 24 | — | 39.9% | ||
| Q1 24 | — | 39.0% |
| Q4 25 | 2.6% | -4.6% | ||
| Q3 25 | 6.0% | -6.1% | ||
| Q2 25 | 4.3% | -6.3% | ||
| Q1 25 | 5.6% | -10.2% | ||
| Q4 24 | 89.6% | -7.8% | ||
| Q3 24 | -15.8% | -8.1% | ||
| Q2 24 | -19.6% | -11.5% | ||
| Q1 24 | -12.2% | -14.6% |
| Q4 25 | 1.4% | -4.5% | ||
| Q3 25 | 2.2% | -6.4% | ||
| Q2 25 | 2.9% | -16.3% | ||
| Q1 25 | 4.1% | -10.0% | ||
| Q4 24 | 200.1% | -6.7% | ||
| Q3 24 | -12.0% | -7.2% | ||
| Q2 24 | -12.4% | -10.3% | ||
| Q1 24 | -10.6% | -13.5% |
| Q4 25 | $0.07 | — | ||
| Q3 25 | $0.11 | — | ||
| Q2 25 | $0.14 | — | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $0.26 | — | ||
| Q3 24 | $-0.75 | — | ||
| Q2 24 | $-0.78 | — | ||
| Q1 24 | $-0.68 | — |
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 | $219.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $390.1M | $275.6M |
| Total Assets | $3.3B | $703.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | $219.1M | ||
| Q3 25 | $104.6M | $224.5M | ||
| Q2 25 | $96.8M | $225.8M | ||
| Q1 25 | $78.5M | $231.4M | ||
| Q4 24 | $60.0M | $239.8M | ||
| Q3 24 | $71.8M | $234.0M | ||
| Q2 24 | $72.9M | $240.9M | ||
| Q1 24 | $69.2M | $253.8M |
| Q4 25 | $390.1M | $275.6M | ||
| Q3 25 | $383.9M | $272.0M | ||
| Q2 25 | $376.0M | $270.4M | ||
| Q1 25 | $366.1M | $309.9M | ||
| Q4 24 | $353.8M | $314.5M | ||
| Q3 24 | $327.6M | $315.2M | ||
| Q2 24 | $354.1M | $315.8M | ||
| Q1 24 | $382.0M | $320.4M |
| Q4 25 | $3.3B | $703.7M | ||
| Q3 25 | $3.2B | $698.9M | ||
| Q2 25 | $3.2B | $687.0M | ||
| Q1 25 | $3.2B | $690.1M | ||
| Q4 24 | $3.2B | $680.1M | ||
| Q3 24 | $3.3B | $678.2M | ||
| Q2 24 | $3.3B | $678.6M | ||
| Q1 24 | $3.3B | $692.5M |
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 | $4.4M |
| Free Cash FlowOCF − Capex | — | $-5.9M |
| FCF MarginFCF / Revenue | — | -3.0% |
| Capex IntensityCapex / Revenue | — | 5.3% |
| Cash ConversionOCF / Net Profit | 121.45× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-24.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | $4.4M | ||
| Q3 25 | $99.0M | $5.8M | ||
| Q2 25 | $104.5M | $-427.0K | ||
| Q1 25 | $101.0M | $-3.7M | ||
| Q4 24 | $393.5M | $9.1M | ||
| Q3 24 | $108.5M | $-3.6M | ||
| Q2 24 | $107.7M | $-9.1M | ||
| Q1 24 | $85.9M | $-11.7M |
| Q4 25 | — | $-5.9M | ||
| Q3 25 | — | $-1.7M | ||
| Q2 25 | — | $-7.4M | ||
| Q1 25 | — | $-9.2M | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | — | $-8.4M | ||
| Q2 24 | — | $-13.5M | ||
| Q1 24 | — | $-16.1M |
| Q4 25 | — | -3.0% | ||
| Q3 25 | — | -0.9% | ||
| Q2 25 | — | -4.5% | ||
| Q1 25 | — | -6.1% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | -6.0% | ||
| Q2 24 | — | -10.2% | ||
| Q1 24 | — | -13.1% |
| Q4 25 | — | 5.3% | ||
| Q3 25 | — | 4.1% | ||
| Q2 25 | — | 4.3% | ||
| Q1 25 | — | 3.6% | ||
| Q4 24 | — | 3.1% | ||
| Q3 24 | — | 3.4% | ||
| Q2 24 | — | 3.3% | ||
| Q1 24 | — | 3.5% |
| 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.
XMTR
| US | $159.1M | 83% |
| Non Us | $33.3M | 17% |
