OPRT

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Oportun Financial Corp.

Regulated industry Consumer brandTags from an AI model reading the company description.

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Key Metrics

Previous Close: $8.23
52-Week Range: $4.03 – $8.66
Market Cap: $383.99M
P/E (TTM): 20.88
EPS (TTM): 0.40
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 0.94
PEG Ratio: —
Return on Equity: 4.98%
Return on Assets: 0.62%
Gross Margin: 95.24%
Operating Margin: 11.62%
Profit Margin: 2.62%
Current Ratio: 51.13
Debt/Equity: 6.54
Total Debt: $2.66B
Free Cash Flow: —
Revenue Growth: 9.40%
Earnings Growth: 21.40%
Enterprise Value: $2.91B

OPRT Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$640.66M	$280.67M	$295.20M	$405.84M
Selling, General & Admin	$323.72M	$269.51M	$207.36M	$184.53M
Pretax Income	-$75.29M	-$253.65M	-$115.18M	$44.08M
Income Tax	$2.46M	-$73.70M	-$36.49M	$18.83M
Net Income	-$77.74M	-$179.95M	-$78.68M	$25.25M
Diluted EPS	-2.37	-4.88	-1.95	0.53
Diluted Shares	32.83M	36.88M	40.86M	47.86M

OPRT Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$98.82M	$91.19M	$59.97M	$105.53M
Receivables	$11.12M	$8.78M	$8.39M	$8.08M
Total Assets	$3.61B	$3.41B	$3.23B	$3.26B
Long-Term Debt	$2.93B	$2.91B	$2.80B	$2.80B
Total Debt	$2.97B	$2.94B	$2.82B	$2.81B
Total Liabilities	$3.07B	$3.01B	$2.87B	$2.87B
Retained Earnings	$6.10M	-$173.85M	-$252.53M	-$227.28M
Shareholders' Equity	$547.60M	$404.40M	$353.81M	$390.08M
Net Debt	$2.83B	$2.82B	$2.74B	$2.69B

OPRT Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$247.88M	$392.76M	$393.52M	$413.41M
Capital Expenditure	-$48.89M	-$31.26M	-$19.19M	-$24.33M
Free Cash Flow	$198.98M	$361.50M	$374.33M	$389.08M
Depreciation & Amortisation	$47.53M	$54.88M	$51.16M	$41.41M
Stock-Based Compensation	$27.62M	$18.59M	$12.99M	$10.69M
Investing Cash Flow	-$1.17B	-$286.18M	-$193.69M	-$369.73M
Financing Cash Flow	$934.53M	-$104.39M	-$191.22M	-$59.38M
Net Change in Cash	$10.86M	$2.20M	$8.61M	-$15.69M

OPRT Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$105.83M	$104.55M	$105.05M	$90.41M	$94.89M	$105.63M
Selling, General & Admin	$48.22M	$48.09M	$46.02M	$42.19M	$48.49M	$48.07M
Pretax Income	$13.16M	$10.11M	$14.24M	$6.57M	$3.56M	$15.62M
Income Tax	$3.39M	$3.23M	$9.05M	$3.16M	$1.22M	$7.08M
Net Income	$9.77M	$6.88M	$5.20M	$3.40M	$2.35M	$8.54M
Diluted EPS	0.21	0.14	0.11	0.07	0.05	0.17
Diluted Shares	47.04M	47.89M	48.31M	48.18M	48.50M	49.40M

OPRT Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$78.54M	$96.82M	$104.61M	$105.53M	$130.38M	$139.59M
Receivables	$7.02M	$8.96M	$8.39M	$8.08M	$8.89M	$8.40M
Total Assets	$3.23B	$3.20B	$3.19B	$3.26B	$3.17B	$3.13B
Long-Term Debt	$2.79B	$2.75B	$2.73B	$2.80B	$2.71B	$2.65B
Total Debt	$2.81B	$2.76B	$2.74B	$2.81B	$2.72B	$2.66B
Total Liabilities	$2.86B	$2.83B	$2.80B	$2.87B	$2.77B	$2.72B
Retained Earnings	-$242.76M	-$235.89M	-$230.69M	-$227.28M	-$224.94M	-$216.40M
Shareholders' Equity	$366.10M	$375.99M	$383.85M	$390.08M	$396.28M	$407.13M
Net Debt	$2.71B	$2.65B	$2.63B	$2.69B	$2.58B	$2.51B

OPRT Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$100.98M	$104.53M	$99.04M	$108.86M	$103.73M	$109.31M
Capital Expenditure	-$5.58M	-$6.43M	-$6.12M	-$6.20M	-$6.51M	-$6.26M
Free Cash Flow	$95.40M	$98.09M	$92.92M	$102.66M	$97.22M	$103.05M
Depreciation & Amortisation	$11.07M	$10.71M	$10.16M	$9.47M	$9.00M	$8.82M
Stock-Based Compensation	$2.83M	$2.71M	$2.49M	$2.66M	$4.14M	$2.94M
Investing Cash Flow	-$55.52M	-$52.34M	-$72.63M	-$189.23M	$7.98M	-$50.12M
Financing Cash Flow	-$29.11M	-$54.94M	-$30.68M	$55.35M	-$100.79M	-$56.62M
Net Change in Cash	$16.35M	-$2.75M	-$4.27M	-$25.02M	$10.92M	$2.58M

Market Snapshot

About

Oportun Financial provides responsible consumer lending products to underserved communities with limited credit histories, using proprietary AI-powered credit models for installment loans and credit cards.