NASDAQ : OPRT
Oportun Financial Corporation — Financial statements
Financials · Credit Services · United States
Last price 9.98 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 458.95M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 889.66M | 893.22M | 925.47M | 963.50M | 876.11M | 575.84M |
| Total Interest Expense | 204.47M | 231.50M | 238.16M | 179.41M | 93.05M | 47.67M |
| Net Interest Income | 685.18M | 661.72M | 687.31M | 784.08M | 783.07M | 528.17M |
| Other Revenue | 58.77M | 63.46M | 76.31M | 93.42M | 76.43M | 50.94M |
| Revenue Before Loan Losses | 743.95M | 725.18M | 763.62M | 877.50M | 859.50M | 579.11M |
| Revenue | 743.95M | 725.18M | 763.62M | 877.50M | 859.50M | 579.11M |
| Salaries & Employee Benefits | 91.80M | 82.81M | 90.66M | 126.51M | 161.99M | 118.80M |
| Cost of Services Provided | 264.19M | 278.95M | 319.73M | 385.33M | 413.92M | 322.09M |
| Total Operating Expenses | 685.22M | 687.31M | 741.79M | 875.66M | 852.70M | 560.30M |
| Operating Income | 58.73M | 37.87M | 21.82M | 1.85M | 6.80M | 18.81M |
| EBT Excluding Unusual Items | 39.99M | 44.08M | -115.18M | -231.17M | 64.75M | 89.59M |
| Restructuring Charges | -22.48M | -1.88M | -12.83M | |||
| Impairment of Goodwill | -108.47M | |||||
| Pretax Income | 39.99M | 44.08M | -115.18M | -253.65M | -75.29M | 62.79M |
| Income Tax Expense | 20.51M | 18.83M | -36.49M | -73.70M | 2.46M | 15.38M |
| Net Income | 19.48M | 25.25M | -78.68M | -179.95M | -77.74M | 47.41M |
| Net Income to Common | 19.48M | 25.25M | -78.68M | -179.95M | -77.74M | 47.41M |
| Shares Outstanding (Basic) | 47.37M | 46.42M | 40.36M | 36.88M | 32.83M | 28.19M |
| Shares Outstanding (Diluted) | 48.60M | 47.86M | 40.36M | 36.88M | 32.83M | 30.32M |
| EPS (Basic) | 0.41 | 0.54 | -1.95 | -4.88 | -2.37 | 1.68 |
| EPS (Diluted) | 0.40 | 0.53 | -1.95 | -4.88 | -2.37 | 1.56 |
| Free Cash Flow | 420.95M | 413.41M | 393.52M | 392.76M | 247.88M | 163.45M |
| Free Cash Flow Per Share | 8.66 | 8.64 | 9.75 | 10.65 | 7.55 | 5.39 |
| Operating Margin | 7.89% | 5.22% | 2.86% | 0.21% | 0.79% | 3.25% |
| Profit Margin | 2.62% | 3.48% | -10.30% | -20.51% | -9.04% | 8.19% |
| Free Cash Flow Margin | 56.58% | 57.01% | 51.53% | 44.76% | 28.84% | 28.22% |
| Effective Tax Rate | 51.28% | 42.72% | 24.49% | |||
| Revenue as Reported | 948.43M | 956.68M | 1.00B | 1.06B | 952.54M | 626.78M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 139.59M | 105.53M | 59.97M | 91.19M | 98.82M | 130.96M |
| Trading Asset Securities | -1.25M | 13.77M | 9.31M | 725.00K | ||
| Loans & Lease Receivables | 2.74B | 2.87B | 2.78B | 2.96B | 3.18B | 2.39B |
| Other Receivables | 8.40M | 8.08M | 8.39M | 8.78M | 11.12M | 34.25M |
| Property, Plant & Equipment | 13.05M | 11.51M | 12.75M | 28.10M | 40.97M | 48.32M |
| Goodwill | 104.01M | |||||
| Other Intangible Assets | 66.93M | 71.70M | 86.59M | 114.73M | 139.80M | 131.18M |
| Restricted Cash | 72.84M | 93.41M | 154.66M | 114.83M | 105.00M | 62.00M |
| Other Current Assets | 11.29M | 11.65M | 11.62M | 15.76M | 24.17M | 25.36M |
| Long-Term Deferred Tax Assets | 63.76M | 68.11M | 82.44M | 48.12M | 1.79M | 3.92M |
| Other Long-Term Assets | 16.70M | 15.03M | 18.40M | 18.72M | 15.85M | 19.33M |
| Total Assets | 3.13B | 3.26B | 3.23B | 3.41B | 3.61B | 2.95B |
| Accounts Payable | 5.88M | 6.27M | 6.59M | 5.29M | 9.67M | 8.34M |
| Accrued Expenses | 44.83M | 41.39M | 35.68M | 48.56M | 47.14M | 76.16M |
| Short-Term Debt | 422.58M | |||||
| Current Portion of Long-Term Debt | 123.06M | |||||
| Current Portion of Leases | 2.74M | 6.68M | 11.56M | 12.79M | 13.88M | 14.04M |
| Long-Term Debt | 2.65B | 2.38B | 2.80B | 2.79B | 2.93B | 2.16B |
| Long-Term Leases | 9.26M | 4.79M | 6.64M | 15.59M | 24.07M | 33.66M |
| Current Income Taxes Payable | 4.62M | 5.91M | 8.37M | |||
| Long-Term Deferred Tax Liabilities | 4.05M | 3.14M | 7.14M | 30.57M | 28.42M | |
| Other Long-Term Liabilities | 4.57M | 5.09M | 5.45M | 7.95M | 6.73M | 14.06M |
| Total Liabilities | 2.72B | 2.87B | 2.87B | 3.01B | 3.07B | 2.34B |
| Common Stock | 8.00K | 8.00K | 7.00K | 7.00K | 7.00K | 6.00K |
| Additional Paid-In Capital | 629.84M | 623.67M | 612.64M | 584.55M | 547.80M | 526.34M |
| Retained Earnings | -216.40M | -227.28M | -252.53M | -173.85M | 6.10M | 83.85M |
| Total Common Equity | 407.13M | 390.08M | 353.81M | 404.40M | 547.60M | 603.88M |
| Shareholders' Equity | 407.13M | 390.08M | 353.81M | 404.40M | 547.60M | 603.88M |
| Total Liabilities & Equity | 3.13B | 3.26B | 3.23B | 3.41B | 3.61B | 2.95B |
| Total Debt | 2.66B | 2.81B | 2.82B | 2.94B | 2.97B | 2.21B |
| Net Cash (Debt) | -2.52B | -2.71B | -2.75B | -2.84B | -2.87B | -2.08B |
| Net Cash Per Share | -51.91 | -56.56 | -68.11 | -76.96 | -87.33 | -68.48 |
| Filing Date Shares Outstanding | 45.99M | 44.50M | 36.13M | 34.56M | 33.42M | 32.02M |
| Total Common Shares Outstanding | 45.95M | 44.44M | 36.11M | 34.47M | 33.35M | 32.00M |
| Working Capital | 2.91B | 2.61B | 2.97B | 3.01B | 3.34B | 2.53B |
| Book Value Per Share | 8.86 | 8.78 | 9.80 | 11.73 | 16.42 | 18.87 |
| Tangible Book Value | 340.20M | 318.38M | 267.22M | 289.67M | 407.80M | 368.69M |
| Tangible Book Value Per Share | 7.40 | 7.16 | 7.40 | 8.40 | 12.23 | 11.52 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 19.48M | 25.25M | -78.68M | -179.95M | -77.74M | 47.41M |
| Depreciation & Amortization | 6.15M | 6.71M | 11.06M | 12.59M | 13.33M | 5.01M |
| Other Amortization | 31.30M | 34.70M | 40.10M | 42.30M | 34.20M | 16.90M |
| Gain on Sale of Loans & Receivables | -5.41M | -5.64M | -6.01M | -8.48M | -5.70M | -26.75M |
| Loss (Gain) From Sale of Investments | 14.96M | 8.93M | -11.99M | -3.30M | 11.99M | 1.67M |
| Asset Writedown & Restructuring Costs | 1.00K | 108.47M | 5.20M | |||
| Provision for Credit Losses | 323.99M | 292.59M | 408.32M | 500.19M | 391.76M | 62.37M |
| Stock-Based Compensation | 12.23M | 10.69M | 12.99M | 18.59M | 27.62M | 18.86M |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 5.41M | 7.18M | 4.52M | 8.48M | 6.10M | 27.42M |
| Change in Other Net Operating Assets | -15.07M | -2.29M | -30.26M | -21.05M | -80.74M | -10.42M |
| Other Operating Activities | 27.90M | 35.29M | 43.49M | 23.40M | -181.41M | 15.77M |
| Operating Cash Flow | 420.95M | 413.41M | 393.52M | 392.76M | 247.88M | 163.45M |
| Cash Acquisitions | -111.65M | |||||
| Sale (Purchase) of Intangibles | -25.09M | -24.33M | -19.19M | -31.26M | -48.89M | -26.48M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -278.01M | -344.42M | -173.62M | -253.48M | -1.12B | -734.36M |
| Other Investing Activities | -898.00K | -971.00K | -886.00K | -1.44M | -6.00M | -12.30M |
| Investing Cash Flow | -304.00M | -369.73M | -193.69M | -286.18M | -1.17B | -884.79M |
| Long-Term Debt Issued | 2.87B | 1.74B | 945.46M | 3.23B | 2.77B | |
| Long-Term Debt Repaid | -2.93B | -1.91B | -1.04B | -2.28B | -2.02B | |
| Net Debt Issued (Repaid) | -129.40M | -55.72M | -178.18M | -98.97M | 951.38M | 751.12M |
| Other Financing Activities | -3.34M | -3.65M | -13.04M | -5.42M | -16.85M | -5.42M |
| Financing Cash Flow | -132.74M | -59.38M | -191.22M | -104.39M | 934.53M | 745.71M |
| Net Cash Flow | -15.79M | -15.69M | 8.61M | 2.20M | 10.86M | 24.37M |
| Free Cash Flow | 420.95M | 413.41M | 393.52M | 392.76M | 247.88M | 163.45M |
| Free Cash Flow Margin | 56.58% | 57.01% | 51.53% | 44.76% | 28.84% | 28.22% |
| Free Cash Flow Per Share | 8.66 | 8.64 | 9.75 | 10.65 | 7.55 | 5.39 |
| Cash Interest Paid | 186.24M | 194.72M | 213.97M | 183.97M | 85.78M | 46.83M |
| Cash Income Tax Paid | 3.10M | 2.85M | 1.04M | -1.86M | -3.46M | 3.88M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 454.35M | 233.44M | 139.59M | 133.84M | 182.89M | 575.17M |
| PE Ratio | 24.60 | 9.25 | 12.13 | |||
| PS Ratio | 0.62 | 0.32 | 0.18 | 0.15 | 0.21 | 0.99 |
| PB Ratio | 1.12 | 0.60 | 0.40 | 0.33 | 0.33 | 0.95 |
| P/FCF Ratio | 1.09 | 0.56 | 0.35 | 0.34 | 0.74 | 3.52 |
| P/OCF Ratio | 1.09 | 0.56 | 0.35 | 0.34 | 0.74 | 3.52 |
| Debt / Equity Ratio | 6.54 | 7.21 | 7.98 | 7.27 | 5.42 | 3.65 |
| Debt / FCF Ratio | 6.32 | 6.80 | 7.17 | 7.48 | 11.97 | 13.51 |
| Net Debt / Equity Ratio | 6.20 | 6.94 | 7.77 | 7.02 | 5.24 | 3.44 |
| Net Debt / FCF Ratio | 5.99 | 6.55 | 6.99 | 7.23 | 11.56 | 12.70 |
| Quick Ratio | 49.68 | 6.26 | 53.15 | 16.19 | 42.90 | 23.87 |
| Current Ratio | 51.13 | 6.48 | 56.24 | 16.88 | 44.59 | 24.69 |
| Asset Turnover | 0.23 | 0.22 | 0.23 | 0.25 | 0.26 | 0.23 |
| Return on Equity (ROE) | 4.98% | 6.79% | -20.75% | -37.80% | -13.50% | 8.86% |
| Return on Assets (ROA) | 0.62% | 0.78% | -2.37% | -5.12% | -2.37% | 1.91% |
| Return on Invested Capital (ROIC) | 0.92% | 0.68% | 0.67% | 0.05% | 0.21% | 0.60% |
| Earnings Yield | 4.07% | 10.81% | -56.37% | -134.45% | -42.51% | 8.24% |
| FCF Yield | 91.63% | 177.09% | 281.92% | 293.46% | 135.53% | 28.42% |
| Buyback Yield / Dilution | -11.22% | -18.59% | -9.44% | -12.34% | -8.25% | -10.94% |