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Oportun Financial Corp（OPRT）与StubHub Holdings, Inc.（STUB）财务数据对比。点击上方公司名可切换其他公司
StubHub Holdings, Inc.的季度营收约是Oportun Financial Corp的1.9倍（$468.1M vs $247.7M），Oportun Financial Corp净利率更高（1.4% vs -276.6%，领先277.9%），StubHub Holdings, Inc.同比增速更快（7.9% vs -1.3%）
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。
StubHub Holdings是全球领先的在线票务交易平台，提供演唱会、体育赛事、戏剧演出等各类现场娱乐活动的门票转售及直购服务，覆盖北美、欧洲、亚太等核心市场，为消费者、活动主办方和票务卖家提供安全可靠的交易渠道。
OPRT vs STUB — 直观对比
营收规模更大
STUB
是对方的1.9倍
$247.7M
营收增速更快
STUB
高出9.2%
-1.3%
净利率更高
OPRT
高出277.9%
-276.6%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $247.7M | $468.1M |
| 净利润 | $3.4M | $-1.3B |
| 毛利率 | — | — |
| 营业利润率 | 2.6% | -292.3% |
| 净利率 | 1.4% | -276.6% |
| 营收同比 | -1.3% | 7.9% |
| 净利润同比 | -61.0% | -3821.6% |
| 每股收益（稀释后） | $0.07 | $-4.27 |
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OPRTSTUB
| Q4 25 | $247.7M | — | ||
| Q3 25 | $238.7M | $468.1M | ||
| Q2 25 | $234.3M | — | ||
| Q1 25 | $235.9M | — | ||
| Q4 24 | $250.9M | — | ||
| Q3 24 | $250.0M | $433.8M | ||
| Q2 24 | $250.4M | — | ||
| Q1 24 | $250.5M | — |
净利润OPRTSTUB
| Q4 25 | $3.4M | — | ||
| Q3 25 | $5.2M | $-1.3B | ||
| Q2 25 | $6.9M | — | ||
| Q1 25 | $9.8M | — | ||
| Q4 24 | $8.7M | — | ||
| Q3 24 | $-30.0M | $-33.0M | ||
| Q2 24 | $-31.0M | — | ||
| Q1 24 | $-26.4M | — |
营业利润率OPRTSTUB
| Q4 25 | 2.6% | — | ||
| Q3 25 | 6.0% | -292.3% | ||
| Q2 25 | 4.3% | — | ||
| Q1 25 | 5.6% | — | ||
| Q4 24 | 89.6% | — | ||
| Q3 24 | -15.8% | 2.8% | ||
| Q2 24 | -19.6% | — | ||
| Q1 24 | -12.2% | — |
净利率OPRTSTUB
| Q4 25 | 1.4% | — | ||
| Q3 25 | 2.2% | -276.6% | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 4.1% | — | ||
| Q4 24 | 200.1% | — | ||
| Q3 24 | -12.0% | -7.6% | ||
| Q2 24 | -12.4% | — | ||
| Q1 24 | -10.6% | — |
每股收益（稀释后）OPRTSTUB
| Q4 25 | $0.07 | — | ||
| Q3 25 | $0.11 | $-4.27 | ||
| Q2 25 | $0.14 | — | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $0.26 | — | ||
| Q3 24 | $-0.75 | $-0.15 | ||
| Q2 24 | $-0.78 | — | ||
| Q1 24 | $-0.68 | — |
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 | $1.4B |
| 总债务越低越好 | — | $1.7B |
| 股东权益账面价值 | $390.1M | $1.7B |
| 总资产 | $3.3B | $5.6B |
| 负债/权益比越低杠杆越低 | — | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资OPRTSTUB
| Q4 25 | $105.5M | — | ||
| Q3 25 | $104.6M | $1.4B | ||
| Q2 25 | $96.8M | — | ||
| Q1 25 | $78.5M | — | ||
| Q4 24 | $60.0M | — | ||
| Q3 24 | $71.8M | $1.1B | ||
| Q2 24 | $72.9M | — | ||
| Q1 24 | $69.2M | — |
总债务OPRTSTUB
| Q4 25 | — | — | ||
| Q3 25 | — | $1.7B | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益OPRTSTUB
| Q4 25 | $390.1M | — | ||
| Q3 25 | $383.9M | $1.7B | ||
| Q2 25 | $376.0M | — | ||
| Q1 25 | $366.1M | — | ||
| Q4 24 | $353.8M | — | ||
| Q3 24 | $327.6M | $815.9M | ||
| Q2 24 | $354.1M | — | ||
| Q1 24 | $382.0M | — |
总资产OPRTSTUB
| Q4 25 | $3.3B | — | ||
| Q3 25 | $3.2B | $5.6B | ||
| Q2 25 | $3.2B | — | ||
| Q1 25 | $3.2B | — | ||
| Q4 24 | $3.2B | — | ||
| Q3 24 | $3.3B | — | ||
| Q2 24 | $3.3B | — | ||
| Q1 24 | $3.3B | — |
负债/权益比OPRTSTUB
| Q4 25 | — | — | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $181.4M |
| 自由现金流经营现金流 - 资本支出 | — | $180.3M |
| 自由现金流率自由现金流/营收 | — | 38.5% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 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OPRTSTUB
| Q4 25 | $413.4M | — | ||
| Q3 25 | $99.0M | $181.4M | ||
| Q2 25 | $104.5M | — | ||
| Q1 25 | $101.0M | — | ||
| Q4 24 | $393.5M | — | ||
| Q3 24 | $108.5M | — | ||
| Q2 24 | $107.7M | — | ||
| Q1 24 | $85.9M | — |
自由现金流OPRTSTUB
| Q4 25 | — | — | ||
| Q3 25 | — | $180.3M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率OPRTSTUB
| Q4 25 | — | — | ||
| Q3 25 | — | 38.5% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度OPRTSTUB
| Q4 25 | — | — | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率OPRTSTUB
| 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 | — | — |
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
STUB
| Transaction Fees | $453.4M | 97% |
| Other | $14.7M | 3% |
