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Side-by-side financial comparison of Oportun Financial Corp (OPRT) and OLYMPIC STEEL INC (ZEUS). Click either name above to swap in a different company.
OLYMPIC STEEL INC is the larger business by last-quarter revenue ($490.7M vs $247.7M, roughly 2.0× Oportun Financial Corp). Oportun Financial Corp runs the higher net margin — 1.4% vs 0.4%, a 0.9% gap on every dollar of revenue. On growth, OLYMPIC STEEL INC posted the faster year-over-year revenue change (4.4% vs -1.3%). Over the past eight quarters, OLYMPIC STEEL INC's revenue compounded faster (0.1% 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.
Olympic Steel, Inc. is a metals service center based in Cleveland, Ohio. The company processes and distributes carbon, coated and stainless flat-rolled sheet, coil and plate steel, aluminium alloy, tin plate, and metal-intensive branded products primarily in the United States. Metals processing and value added services include tempering, stretch leveling, cutting-to-length, slitting, edging, shearing, blanking, burning, forming, shot blasting, laser punching, plate rolling, fabricating, machi...
OPRT vs ZEUS — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $247.7M | $490.7M |
| Net Profit | $3.4M | $2.2M |
| Gross Margin | — | — |
| Operating Margin | 2.6% | 1.5% |
| Net Margin | 1.4% | 0.4% |
| Revenue YoY | -1.3% | 4.4% |
| Net Profit YoY | -61.0% | -21.2% |
| EPS (diluted) | $0.07 | $0.18 |
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 | — | ||
| Q3 25 | $238.7M | $490.7M | ||
| Q2 25 | $234.3M | $496.5M | ||
| Q1 25 | $235.9M | $492.9M | ||
| Q4 24 | $250.9M | $418.8M | ||
| Q3 24 | $250.0M | $470.0M | ||
| Q2 24 | $250.4M | $526.3M | ||
| Q1 24 | $250.5M | $526.6M |
| Q4 25 | $3.4M | — | ||
| Q3 25 | $5.2M | $2.2M | ||
| Q2 25 | $6.9M | $5.2M | ||
| Q1 25 | $9.8M | $2.5M | ||
| Q4 24 | $8.7M | $3.9M | ||
| Q3 24 | $-30.0M | $2.7M | ||
| Q2 24 | $-31.0M | $7.7M | ||
| Q1 24 | $-26.4M | $8.7M |
| Q4 25 | 2.6% | — | ||
| Q3 25 | 6.0% | 1.5% | ||
| Q2 25 | 4.3% | 2.3% | ||
| Q1 25 | 5.6% | 1.6% | ||
| Q4 24 | 89.6% | 2.1% | ||
| Q3 24 | -15.8% | 1.7% | ||
| Q2 24 | -19.6% | 2.9% | ||
| Q1 24 | -12.2% | 3.0% |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 2.2% | 0.4% | ||
| Q2 25 | 2.9% | 1.1% | ||
| Q1 25 | 4.1% | 0.5% | ||
| Q4 24 | 200.1% | 0.9% | ||
| Q3 24 | -12.0% | 0.6% | ||
| Q2 24 | -12.4% | 1.5% | ||
| Q1 24 | -10.6% | 1.7% |
| Q4 25 | $0.07 | — | ||
| Q3 25 | $0.11 | $0.18 | ||
| Q2 25 | $0.14 | $0.45 | ||
| Q1 25 | $0.21 | $0.21 | ||
| Q4 24 | $0.26 | $0.33 | ||
| Q3 24 | $-0.75 | $0.23 | ||
| 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 | $7.5M |
| Total DebtLower is stronger | — | $240.9M |
| Stockholders' EquityBook value | $390.1M | $579.1M |
| Total Assets | $3.3B | $1.1B |
| Debt / EquityLower = less leverage | — | 0.42× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $105.5M | — | ||
| Q3 25 | $104.6M | $7.5M | ||
| Q2 25 | $96.8M | $14.8M | ||
| Q1 25 | $78.5M | $13.3M | ||
| Q4 24 | $60.0M | $11.9M | ||
| Q3 24 | $71.8M | $11.1M | ||
| Q2 24 | $72.9M | $9.4M | ||
| Q1 24 | $69.2M | $10.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | $240.9M | ||
| Q2 25 | — | $233.2M | ||
| Q1 25 | — | $235.4M | ||
| Q4 24 | — | $272.5M | ||
| Q3 24 | — | $197.3M | ||
| Q2 24 | — | $209.2M | ||
| Q1 24 | — | $196.8M |
| Q4 25 | $390.1M | — | ||
| Q3 25 | $383.9M | $579.1M | ||
| Q2 25 | $376.0M | $578.2M | ||
| Q1 25 | $366.1M | $574.2M | ||
| Q4 24 | $353.8M | $573.9M | ||
| Q3 24 | $327.6M | $570.6M | ||
| Q2 24 | $354.1M | $569.5M | ||
| Q1 24 | $382.0M | $563.0M |
| Q4 25 | $3.3B | — | ||
| Q3 25 | $3.2B | $1.1B | ||
| Q2 25 | $3.2B | $1.1B | ||
| Q1 25 | $3.2B | $1.1B | ||
| Q4 24 | $3.2B | $1.0B | ||
| Q3 24 | $3.3B | $1.0B | ||
| Q2 24 | $3.3B | $1.0B | ||
| Q1 24 | $3.3B | $1.0B |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.42× | ||
| Q2 25 | — | 0.40× | ||
| Q1 25 | — | 0.41× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.35× | ||
| Q2 24 | — | 0.37× | ||
| Q1 24 | — | 0.35× |
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 | $-5.4M |
| Free Cash FlowOCF − Capex | — | $-12.9M |
| FCF MarginFCF / Revenue | — | -2.6% |
| Capex IntensityCapex / Revenue | — | 1.5% |
| Cash ConversionOCF / Net Profit | 121.45× | -2.50× |
| TTM Free Cash FlowTrailing 4 quarters | — | $41.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $413.4M | — | ||
| Q3 25 | $99.0M | $-5.4M | ||
| Q2 25 | $104.5M | $15.5M | ||
| Q1 25 | $101.0M | $49.4M | ||
| Q4 24 | $393.5M | $14.6M | ||
| Q3 24 | $108.5M | $24.6M | ||
| Q2 24 | $107.7M | $-2.9M | ||
| Q1 24 | $85.9M | $-2.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | $-12.9M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $40.6M | ||
| Q4 24 | — | $7.4M | ||
| Q3 24 | — | $15.6M | ||
| Q2 24 | — | $-11.3M | ||
| Q1 24 | — | $-7.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | -2.6% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 8.2% | ||
| Q4 24 | — | 1.8% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | -2.2% | ||
| Q1 24 | — | -1.4% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 1.9% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | 0.9% |
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | -2.50× | ||
| Q2 25 | 15.20× | 2.96× | ||
| Q1 25 | 10.34× | 19.70× | ||
| Q4 24 | 45.04× | 3.75× | ||
| Q3 24 | — | 9.01× | ||
| Q2 24 | — | -0.38× | ||
| Q1 24 | — | -0.30× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OPRT
Segment breakdown not available.
ZEUS
| Carbon Flat Products | $268.2M | 55% |
| Specialty Metals Flat Products | $140.9M | 29% |
| Tubular And Pipe Products | $81.6M | 17% |
