Oportun Financial vs X Financial
Oportun Financial and X Financial are similar in size: $957m and $1.06bn of revenue in their latest fiscal years. X Financial grew faster (30.3% against -4.5%). X Financial kept more of each dollar of sales as profit: a net margin of 19.2% against 2.6%. X Financial carries less debt relative to equity (5.2% against 68.8%).
| Latest fiscal year | Oportun FinancialOPRT, 2025 | X FinancialXYF, 2025 |
|---|---|---|
| Revenue | $957m | $1.06bn |
| Revenue growth | -4.5% | 30.3% |
| Net income | $25.2m | $204m |
| Operating margin | — | 21.3% |
| Net margin | 2.6% | 19.2% |
| Return on equity | 6.8% | 19.7% |
| Free cash flow | $413m | $201m |
| Cash | $106m | $141m |
| Total debt | $268m | $58.6m |
| Debt to equity | 68.8% | 5.2% |
| Dividend per share | — | — |
| Dividend yield | — | 11.4% |
| Share buybacks | — | $102m |
| Employees | — | — |
| Market value | $462m | $191m |
| Price vs our value range | — | — |
| Moat score | 32 (Weak) | — |
| Insider trades, 12 months | 0 buys, 10 sales | 0 buys, 2 sales |