COMP <GO>
GEMI vs OPRT // ALTMAN Z-SCORE & DEBT/EQUITY
Gemini Space Station Inc. (Class A) (NASDAQ) VS. Oportun Financial Corporation (NASDAQ) • 15-METRIC TALLY: GEMI 1
— OPRT 5
■ METRIC PARITY
LAST: $3.08 (-1.60%) • MKT CAP: $403.6M
balance-sheet
—
LAST: $9.98 (+2.15%) • MKT CAP: $459.0M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (GEMI VS. OPRT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | GEMI | OPRT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -35.00% | 6.50% | -41.50 | OPRT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | -60.00% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | -60.00% | 68.00% | -128.00 | OPRT | /net-margins <GO> |
| Revenue Growth (YoY) | 26.30% | -14.10% | +40.40 | GEMI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 5/9 | -2.00 | OPRT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 28.1 | 69.6 | -41.59 | OPRT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 16.9x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $403.6M | $459.0M | -$55.4M | OPRT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | GEMI REV | OPRT REV | GEMI GROSS % | OPRT GROSS % | GEMI FCF | OPRT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $179.6M | $19.5M | — | — | -$220.1M | $413.4M |
| FY 2024 | $142.2M | $22.7M | — | — | -$110.2M | $393.5M |
| FY 2023 | $98.1M | $25.6M | — | — | -$207.3M | $392.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
GEMI // BETA —
OPRT // BETA —