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Oportun Financial Corp（OPRT）与RAYONIER ADVANCED MATERIALS INC.（RYAM）财务数据对比。点击上方公司名可切换其他公司
RAYONIER ADVANCED MATERIALS INC.的季度营收约是Oportun Financial Corp的1.7倍（$417.5M vs $247.7M），Oportun Financial Corp净利率更高（1.4% vs -5.0%，领先6.4%），RAYONIER ADVANCED MATERIALS INC.同比增速更快（-1.2% vs -1.3%），过去两年RAYONIER ADVANCED MATERIALS INC.的营收复合增速更高（3.8% 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。
RYAM（原雷尼尔先进材料公司）是一家美国全球性纤维素技术企业，主打高纯度特种纤维素产品，所生产的天然聚合物广泛应用于过滤器生产、食品加工、医药制造及各类工业领域，同时也为造纸和包装行业供应相关产品，在纤维素技术领域拥有较高的行业认可度。
OPRT vs RYAM — 直观对比
营收规模更大
RYAM
是对方的1.7倍
$247.7M
营收增速更快
RYAM
高出0.1%
-1.3%
净利率更高
OPRT
高出6.4%
-5.0%
两年增速更快
RYAM
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $247.7M | $417.5M |
| 净利润 | $3.4M | $-21.1M |
| 毛利率 | — | 8.9% |
| 营业利润率 | 2.6% | 2.6% |
| 净利率 | 1.4% | -5.0% |
| 营收同比 | -1.3% | -1.2% |
| 净利润同比 | -61.0% | -31.9% |
| 每股收益（稀释后） | $0.07 | $-0.33 |
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OPRTRYAM
| Q4 25 | $247.7M | $417.5M | ||
| Q3 25 | $238.7M | $352.8M | ||
| Q2 25 | $234.3M | $340.0M | ||
| Q1 25 | $235.9M | $356.0M | ||
| Q4 24 | $250.9M | $422.5M | ||
| Q3 24 | $250.0M | $401.1M | ||
| Q2 24 | $250.4M | $419.0M | ||
| Q1 24 | $250.5M | $387.7M |
净利润OPRTRYAM
| Q4 25 | $3.4M | $-21.1M | ||
| Q3 25 | $5.2M | $-4.5M | ||
| Q2 25 | $6.9M | $-363.2M | ||
| Q1 25 | $9.8M | $-32.0M | ||
| Q4 24 | $8.7M | $-16.0M | ||
| Q3 24 | $-30.0M | $-32.6M | ||
| Q2 24 | $-31.0M | $11.4M | ||
| Q1 24 | $-26.4M | $-1.6M |
毛利率OPRTRYAM
| Q4 25 | — | 8.9% | ||
| Q3 25 | — | 9.7% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 6.8% | ||
| Q4 24 | — | 8.7% | ||
| Q3 24 | — | 10.9% | ||
| Q2 24 | — | 11.5% | ||
| Q1 24 | — | 9.5% |
营业利润率OPRTRYAM
| Q4 25 | 2.6% | 2.6% | ||
| Q3 25 | 6.0% | 2.8% | ||
| Q2 25 | 4.3% | -0.4% | ||
| Q1 25 | 5.6% | -4.2% | ||
| Q4 24 | 89.6% | 2.6% | ||
| Q3 24 | -15.8% | -4.2% | ||
| Q2 24 | -19.6% | 6.7% | ||
| Q1 24 | -12.2% | 4.4% |
净利率OPRTRYAM
| Q4 25 | 1.4% | -5.0% | ||
| Q3 25 | 2.2% | -1.3% | ||
| Q2 25 | 2.9% | -106.8% | ||
| Q1 25 | 4.1% | -9.0% | ||
| Q4 24 | 200.1% | -3.8% | ||
| Q3 24 | -12.0% | -8.1% | ||
| Q2 24 | -12.4% | 2.7% | ||
| Q1 24 | -10.6% | -0.4% |
每股收益（稀释后）OPRTRYAM
| Q4 25 | $0.07 | $-0.33 | ||
| Q3 25 | $0.11 | $-0.07 | ||
| Q2 25 | $0.14 | $-5.44 | ||
| Q1 25 | $0.21 | $-0.49 | ||
| Q4 24 | $0.26 | $-0.25 | ||
| Q3 24 | $-0.75 | $-0.49 | ||
| Q2 24 | $-0.78 | $0.17 | ||
| Q1 24 | $-0.68 | $-0.02 |
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 | $75.4M |
| 总债务越低越好 | — | $758.1M |
| 股东权益账面价值 | $390.1M | $316.6M |
| 总资产 | $3.3B | $1.8B |
| 负债/权益比越低杠杆越低 | — | 2.39× |
8季度趋势，按日历期对齐
现金及短期投资OPRTRYAM
| Q4 25 | $105.5M | $75.4M | ||
| Q3 25 | $104.6M | $77.0M | ||
| Q2 25 | $96.8M | $70.7M | ||
| Q1 25 | $78.5M | $129.9M | ||
| Q4 24 | $60.0M | $125.2M | ||
| Q3 24 | $71.8M | $136.1M | ||
| Q2 24 | $72.9M | $114.1M | ||
| Q1 24 | $69.2M | $54.6M |
总债务OPRTRYAM
| Q4 25 | — | $758.1M | ||
| Q3 25 | — | $763.5M | ||
| Q2 25 | — | $720.4M | ||
| Q1 25 | — | $707.0M | ||
| Q4 24 | — | $706.4M | ||
| Q3 24 | — | $747.7M | ||
| Q2 24 | — | $752.8M | ||
| Q1 24 | — | $755.6M |
股东权益OPRTRYAM
| Q4 25 | $390.1M | $316.6M | ||
| Q3 25 | $383.9M | $338.2M | ||
| Q2 25 | $376.0M | $342.3M | ||
| Q1 25 | $366.1M | $688.1M | ||
| Q4 24 | $353.8M | $713.9M | ||
| Q3 24 | $327.6M | $732.7M | ||
| Q2 24 | $354.1M | $755.1M | ||
| Q1 24 | $382.0M | $741.8M |
总资产OPRTRYAM
| Q4 25 | $3.3B | $1.8B | ||
| Q3 25 | $3.2B | $1.8B | ||
| Q2 25 | $3.2B | $1.8B | ||
| Q1 25 | $3.2B | $2.1B | ||
| Q4 24 | $3.2B | $2.1B | ||
| Q3 24 | $3.3B | $2.2B | ||
| Q2 24 | $3.3B | $2.2B | ||
| Q1 24 | $3.3B | $2.1B |
负债/权益比OPRTRYAM
| Q4 25 | — | 2.39× | ||
| Q3 25 | — | 2.26× | ||
| Q2 25 | — | 2.10× | ||
| Q1 25 | — | 1.03× | ||
| Q4 24 | — | 0.99× | ||
| Q3 24 | — | 1.02× | ||
| Q2 24 | — | 1.00× | ||
| Q1 24 | — | 1.02× |
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 | $32.3M |
| 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OPRTRYAM
| Q4 25 | $413.4M | $32.3M | ||
| Q3 25 | $99.0M | $-17.8M | ||
| Q2 25 | $104.5M | $-30.2M | ||
| Q1 25 | $101.0M | $39.6M | ||
| Q4 24 | $393.5M | $54.9M | ||
| Q3 24 | $108.5M | $49.8M | ||
| Q2 24 | $107.7M | $87.6M | ||
| Q1 24 | $85.9M | $11.3M |
现金转化率OPRTRYAM
| Q4 25 | 121.45× | — | ||
| Q3 25 | 19.05× | — | ||
| Q2 25 | 15.20× | — | ||
| Q1 25 | 10.34× | — | ||
| Q4 24 | 45.04× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 7.69× | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
OPRT
暂无分部数据
RYAM
| Cellulose Specialties | $249.6M | 60% |
| Other | $86.2M | 21% |
| Paperboard | $44.2M | 11% |
| High Yield Pulp | $28.3M | 7% |
| Biomaterials | $9.2M | 2% |
