COMP <GO>
OPRT vs GEMI // EV/EBITDA & P/E VALUATION
Oportun Financial Corporation (NASDAQ) VS. Gemini Space Station Inc. (Class A) (NASDAQ) • 15-METRIC TALLY: OPRT 5
— GEMI 1
■ METRIC PARITY
LAST: $9.89 (-0.90%) • MKT CAP: $459.0M
valuation
—
LAST: $2.87 (-6.82%) • MKT CAP: $403.6M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OPRT VS. GEMI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OPRT | GEMI | 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 | — | -60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | -60.00% | +128.00 | OPRT | /net-margins <GO> |
| Revenue Growth (YoY) | -14.10% | 26.30% | -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 | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 3/9 | +2.00 | OPRT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 70.8 | 34.8 | +36.00 | 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 | $459.0M | $403.6M | $55.4M | OPRT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OPRT REV | GEMI REV | OPRT GROSS % | GEMI GROSS % | OPRT FCF | GEMI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $19.5M | $179.6M | — | — | $413.4M | -$220.1M |
| FY 2024 | $22.7M | $142.2M | — | — | $393.5M | -$110.2M |
| FY 2023 | $25.6M | $98.1M | — | — | $392.8M | -$207.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OPRT // BETA —
GEMI // BETA —