COMP <GO>
OPRT vs BETR // EV/EBITDA & P/E VALUATION
Oportun Financial Corporation (NASDAQ) VS. Better Home & Finance Holding Company (Class A) (NASDAQ) • 15-METRIC TALLY: OPRT 4
— BETR 2
■ METRIC PARITY
LAST: $9.98 (+2.15%) • MKT CAP: $459.0M
valuation
—
LAST: $22.95 (+6.55%) • MKT CAP: $436.0M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OPRT VS. BETR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OPRT | BETR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.50% | -35.00% | +41.50 | OPRT | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | -60.00% | +128.00 | OPRT | /net-margins <GO> |
| Revenue Growth (YoY) | -14.10% | 52.00% | -66.10 | BETR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 2/9 | +3.00 | OPRT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 69.6 | 69.9 | -0.27 | BETR | /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 | $459.0M | $436.0M | $22.9M | OPRT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OPRT REV | BETR REV | OPRT GROSS % | BETR GROSS % | OPRT FCF | BETR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $19.5M | $164.9M | — | — | $413.4M | -$167.8M |
| FY 2024 | $22.7M | $108.5M | — | — | $393.5M | -$383.4M |
| FY 2023 | $25.6M | $0 | — | — | $392.8M | -$159.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OPRT // BETA —
BETR // BETA —