COMP <GO>
OPRT vs WYFI // 10Y YIELD & FRED MACRO BETA
Oportun Financial Corporation (NASDAQ) VS. WhiteFiber Inc. (NASDAQ) • 15-METRIC TALLY: OPRT 4
— WYFI 2
■ METRIC PARITY
LAST: $9.98 (+2.15%) • MKT CAP: $459.0M
macro-sensitivity
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LAST: $11.23 (-5.39%) • MKT CAP: $508.5M
macro-sensitivity
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OPRT VS. WYFI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OPRT | WYFI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.50% | -5.80% | +12.30 | OPRT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | -33.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | -31.20% | +99.20 | OPRT | /net-margins <GO> |
| Revenue Growth (YoY) | -14.10% | 66.20% | -80.30 | WYFI | /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 | 4/9 | +1.00 | OPRT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 69.6 | 32.5 | +37.18 | OPRT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.9x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $459.0M | $508.5M | -$49.6M | WYFI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OPRT REV | WYFI REV | OPRT GROSS % | WYFI GROSS % | OPRT FCF | WYFI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $19.5M | $79.2M | — | — | $413.4M | -$222.7M |
| FY 2024 | $22.7M | $47.6M | — | — | $393.5M | -$60.3M |
| FY 2023 | $25.6M | — | — | — | $392.8M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OPRT // BETA —
WYFI // BETA —