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Oportun Financial Corp（OPRT）与PROCORE TECHNOLOGIES, INC.（PCOR）财务数据对比。点击上方公司名可切换其他公司
PROCORE TECHNOLOGIES, INC.的季度营收约是Oportun Financial Corp的1.5倍（$359.3M vs $247.7M），Oportun Financial Corp净利率更高（1.4% vs -2.5%，领先3.9%），PROCORE TECHNOLOGIES, INC.同比增速更快（15.7% vs -1.3%），过去两年PROCORE TECHNOLOGIES, INC.的营收复合增速更高（12.4% vs -0.5%）
Oportun Financial Corp是总部位于美国的金融科技公司，专注为信用记录有限或无信用记录的中低收入弱势消费群体提供个人贷款、信用卡、储蓄产品等可负担的金融服务，依托自研AI风控模型保障服务公平性与风险可控。
Procore Technologies是2002年成立的美国建筑管理软件即服务（SaaS）企业，总部位于加利福尼亚州卡平特里亚。公司打造的全球平台可连接建筑行业从业者，支持搭建简化工作流，统一展现建筑项目信息，覆盖任务追踪、项目流程管理、日程排期等核心功能。
OPRT vs PCOR — 直观对比
营收规模更大
PCOR
是对方的1.5倍
$247.7M
营收增速更快
PCOR
高出16.9%
-1.3%
净利率更高
OPRT
高出3.9%
-2.5%
两年增速更快
PCOR
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $247.7M | $359.3M |
| 净利润 | $3.4M | $-9.1M |
| 毛利率 | — | 80.1% |
| 营业利润率 | 2.6% | 15.5% |
| 净利率 | 1.4% | -2.5% |
| 营收同比 | -1.3% | 15.7% |
| 净利润同比 | -61.0% | 72.4% |
| 每股收益（稀释后） | $0.07 | $-0.06 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收OPRTPCOR
| Q1 26 | — | $359.3M | ||
| Q4 25 | $247.7M | $349.1M | ||
| Q3 25 | $238.7M | $338.9M | ||
| Q2 25 | $234.3M | $323.9M | ||
| Q1 25 | $235.9M | $310.6M | ||
| Q4 24 | $250.9M | $302.0M | ||
| Q3 24 | $250.0M | $295.9M | ||
| Q2 24 | $250.4M | $284.3M |
净利润OPRTPCOR
| Q1 26 | — | $-9.1M | ||
| Q4 25 | $3.4M | $-37.6M | ||
| Q3 25 | $5.2M | $-9.1M | ||
| Q2 25 | $6.9M | $-21.1M | ||
| Q1 25 | $9.8M | $-33.0M | ||
| Q4 24 | $8.7M | $-62.3M | ||
| Q3 24 | $-30.0M | $-26.4M | ||
| Q2 24 | $-31.0M | $-6.3M |
毛利率OPRTPCOR
| Q1 26 | — | 80.1% | ||
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% |
营业利润率OPRTPCOR
| Q1 26 | — | 15.5% | ||
| Q4 25 | 2.6% | -12.3% | ||
| Q3 25 | 6.0% | -4.4% | ||
| Q2 25 | 4.3% | -9.3% | ||
| Q1 25 | 5.6% | -11.7% | ||
| Q4 24 | 89.6% | -21.9% | ||
| Q3 24 | -15.8% | -12.3% | ||
| Q2 24 | -19.6% | -5.2% |
净利率OPRTPCOR
| Q1 26 | — | -2.5% | ||
| Q4 25 | 1.4% | -10.8% | ||
| Q3 25 | 2.2% | -2.7% | ||
| Q2 25 | 2.9% | -6.5% | ||
| Q1 25 | 4.1% | -10.6% | ||
| Q4 24 | 200.1% | -20.6% | ||
| Q3 24 | -12.0% | -8.9% | ||
| Q2 24 | -12.4% | -2.2% |
每股收益（稀释后）OPRTPCOR
| Q1 26 | — | $-0.06 | ||
| Q4 25 | $0.07 | $-0.25 | ||
| Q3 25 | $0.11 | $-0.06 | ||
| Q2 25 | $0.14 | $-0.14 | ||
| Q1 25 | $0.21 | $-0.22 | ||
| Q4 24 | $0.26 | $-0.42 | ||
| Q3 24 | $-0.75 | $-0.18 | ||
| Q2 24 | $-0.78 | $-0.04 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $105.5M | $386.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $390.1M | $1.2B |
| 总资产 | $3.3B | $2.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资OPRTPCOR
| Q1 26 | — | $386.0M | ||
| Q4 25 | $105.5M | $768.5M | ||
| Q3 25 | $104.6M | $684.0M | ||
| Q2 25 | $96.8M | $620.9M | ||
| Q1 25 | $78.5M | $566.7M | ||
| Q4 24 | $60.0M | $775.4M | ||
| Q3 24 | $71.8M | $756.9M | ||
| Q2 24 | $72.9M | $735.4M |
股东权益OPRTPCOR
| Q1 26 | — | $1.2B | ||
| Q4 25 | $390.1M | $1.3B | ||
| Q3 25 | $383.9M | $1.2B | ||
| Q2 25 | $376.0M | $1.2B | ||
| Q1 25 | $366.1M | $1.2B | ||
| Q4 24 | $353.8M | $1.3B | ||
| Q3 24 | $327.6M | $1.3B | ||
| Q2 24 | $354.1M | $1.3B |
总资产OPRTPCOR
| Q1 26 | — | $2.1B | ||
| Q4 25 | $3.3B | $2.2B | ||
| Q3 25 | $3.2B | $2.1B | ||
| Q2 25 | $3.2B | $2.0B | ||
| Q1 25 | $3.2B | $1.9B | ||
| Q4 24 | $3.2B | $2.1B | ||
| Q3 24 | $3.3B | $2.0B | ||
| Q2 24 | $3.3B | $2.0B |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $413.4M | $76.8M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 121.45× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流OPRTPCOR
| Q1 26 | — | $76.8M | ||
| Q4 25 | $413.4M | $114.9M | ||
| Q3 25 | $99.0M | $88.5M | ||
| Q2 25 | $104.5M | $30.8M | ||
| Q1 25 | $101.0M | $66.0M | ||
| Q4 24 | $393.5M | $29.1M | ||
| Q3 24 | $108.5M | $39.3M | ||
| Q2 24 | $107.7M | $58.7M |
自由现金流OPRTPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | $109.2M | ||
| Q3 25 | — | $83.1M | ||
| Q2 25 | — | $27.9M | ||
| Q1 25 | — | $62.0M | ||
| Q4 24 | — | $17.4M | ||
| Q3 24 | — | $35.7M | ||
| Q2 24 | — | $56.8M |
自由现金流率OPRTPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | 31.3% | ||
| Q3 25 | — | 24.5% | ||
| Q2 25 | — | 8.6% | ||
| Q1 25 | — | 20.0% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | — | 12.1% | ||
| Q2 24 | — | 20.0% |
资本支出强度OPRTPCOR
| Q1 26 | — | — | ||
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 3.9% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 0.7% |
现金转化率OPRTPCOR
| Q1 26 | — | — | ||
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
