OPRT

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Oportun Financial Corp.

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Key Metrics

Previous Close: $7.55
52-Week Range: $4.03 – $8.30
Market Cap: $337.09M
P/E (TTM): 18.32
EPS (TTM): 0.40
Dividend Yield: —

Advanced Metrics

Price/Book: 0.83
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: $2.87B

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
Revenue	$105.83M	$104.55M	$105.05M	$90.41M	$94.89M
Selling, General & Admin	$48.22M	$48.09M	$46.02M	$42.19M	$48.49M
Pretax Income	$13.16M	$10.11M	$14.24M	$6.57M	$3.56M
Income Tax	$3.39M	$3.23M	$9.05M	$3.16M	$1.22M
Net Income	$9.77M	$6.88M	$5.20M	$3.40M	$2.35M
Diluted EPS	0.21	0.14	0.11	0.07	0.05
Diluted Shares	47.04M	47.89M	48.31M	48.18M	48.50M

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

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

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.