Compare
Oportun Financial Corp vs Upstart Holdings, Inc. vs Yiren Digital Ltd. vs loanDepot, Inc.
| Latest fiscal year | Oportun Financial Corp OPRT | Upstart Holdings, Inc. UPST | Yiren Digital Ltd. YRD | loanDepot, Inc. LDI |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | $956.68M | $1.04B | $817.84M | $1.19B |
| Revenue growth (YoY) | -4.5% | +64.0% | n/a | +12.2% |
| Gross margin | n/a | n/a | n/a | n/a |
| Operating margin | n/a | 4.1% | -103.9% | n/a |
| Net margin | 2.6% | 5.1% | 1.0% | -5.3% |
| Net income | $25.25M | $53.60M | $7.80M | -$62.65M |
| EPS (Diluted) | $0.53 | $0.45 | $0.0446 | n/a |
| Operating cash flow | $413.41M | -$147.72M | $100.62M | -$707.51M |
| Free cash flow | n/a | -$148.07M | $96.94M | -$734.61M |
| Cash & equivalents | $105.53M | $652.39M | $478.78M | $337.23M |
| Total assets | $3.26B | $2.97B | $1.92B | $6.86B |
| Total liabilities | $2.87B | $2.18B | $598.15M | $6.47B |
| Shareholders' equity | $390.08M | $798.82M | $1.33B | $386.01M |
| Return on year-end equity | 6.5% | 6.7% | 0.6% | -16.2% |
| Shares outstanding | 44.44M | 98.03M | 174.68M | n/a |
Revenue, most recent five fiscal years
| Fiscal year | Oportun Financial Corp | Upstart Holdings, Inc. | Yiren Digital Ltd. | loanDepot, Inc. |
|---|---|---|---|---|
| Latest | $956.68M Ended 2025-12-31 | $1.04B Ended 2025-12-31 | $817.84M Ended 2025-12-31 | $1.19B Ended 2025-12-31 |
| 1 year earlier | $1.00B Ended 2024-12-31 | $636.53M Ended 2024-12-31 | n/a | $1.06B Ended 2024-12-31 |
| 2 years earlier | $1.06B Ended 2023-12-31 | $513.56M Ended 2023-12-31 | n/a | $974.02M Ended 2023-12-31 |
| 3 years earlier | $640.66M Ended 2022-12-31 | $842.44M Ended 2022-12-31 | n/a | $1.26B Ended 2022-12-31 |
| 4 years earlier | $530.48M Ended 2021-12-31 | $848.59M Ended 2021-12-31 | n/a | $3.72B Ended 2021-12-31 |