Oportun Financial (OPRT) Financials

$6.01 +0.38 (+6.75%)

Closing price 07/10/2026 04:00 PM Eastern

Extended Trading

$5.95 -0.06 (-1.01%)

As of 07/10/2026 07:17 PM Eastern

Annual Income Statements for Oportun Financial

This table shows Oportun Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	-10	123	62	-45	47	-78	-180	-79
Consolidated Net Income / (Loss)	-10	123	62	-45	47	-78	-180	-79
Net Income / (Loss) Continuing Operations	-10	123	62	-45	47	-78	-180	-79
Total Pre-Tax Income	2.07	170	84	-58	63	-75	-254	-115
Total Revenue	226	457	447	335	530	641	281	295
Net Interest Income / (Expense)	292	402	484	487	528	783	784	687
Total Interest Income	328	449	544	545	576	876	963	925
Loans and Leases Interest Income	328	449	544	545	576	876	963	925
Total Interest Expense	36	47	61	58	48	93	179	238
Long-Term Debt Interest Expense	36	47	61	58	48	93	179	238
Total Non-Interest Income	-65	56	-37	-152	2.31	-142	-503	-392
Other Service Charges	33	49	56	38	51	76	93	76
Net Realized & Unrealized Capital Gains on Investments	0.00	23	-97	-190	-49	-219	-597	-468
Total Non-Interest Expense	224	287	362	393	468	716	534	410
Salaries and Employee Benefits	47	63	91	106	116	155	122	87
Net Occupancy & Equipment Expense	71	83	102	130	140	216	219	166
Marketing Expense	58	78	97	89	117	110	75	67
Other Operating Expenses	48	64	73	68	95	126	118	90
Income Tax Expense	12	47	23	-13	15	2.46	-74	-36
Basic Earnings per Share	($4.22)	$6.42	$0.46	($1.65)	$1.68	($2.37)	($4.88)	($1.95)
Weighted Average Basic Shares Outstanding	2.42M	2.59M	9.35M	27.33M	28.19M	32.83M	36.88M	40.36M
Diluted Earnings per Share	($4.22)	$4.47	$0.40	($1.65)	$1.56	($2.37)	($4.88)	($1.95)
Weighted Average Diluted Shares Outstanding	2.42M	3.72M	10.76M	27.33M	30.32M	32.83M	36.88M	40.36M
Weighted Average Basic & Diluted Shares Outstanding	-	-	27.00M	27.70M	32.02M	33.42M	34.56M	36.13M

This table shows Oportun Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	-21	-42	-26	-31	-30	8.74	9.77	6.88	5.20	2.35
Consolidated Net Income / (Loss)	-21	-42	-26	-31	-30	8.74	9.77	6.88	5.20	2.35
Net Income / (Loss) Continuing Operations	-21	-42	-26	-31	-30	8.74	9.77	6.88	5.20	2.35
Total Pre-Tax Income	-37	-57	-30	-49	-39	3.91	13	10	14	3.56
Total Revenue	85	72	79	60	63	93	106	105	105	95
Net Interest Income / (Expense)	196	190	176	177	174	160	163	159	166	168
Total Interest Income	243	242	231	231	230	233	220	218	222	216
Loans and Leases Interest Income	243	242	231	231	230	233	220	218	222	216
Total Interest Expense	47	52	54	54	56	74	57	60	57	48
Long-Term Debt Interest Expense	47	52	54	54	56	74	57	60	57	48
Total Non-Interest Income	-111	-118	-97	-117	-112	-66	-57	-54	-61	-73
Other Service Charges	25	20	20	19	20	17	16	16	16	13
Net Realized & Unrealized Capital Gains on Investments	-136	-139	-117	-136	-132	-84	-73	-70	-77	-86
Total Non-Interest Expense	123	129	110	109	102	89	93	94	91	91
Salaries and Employee Benefits	29	25	25	22	21	20	21	20	19	26
Net Occupancy & Equipment Expense	53	55	47	41	41	38	36	37	35	34
Marketing Expense	19	18	16	16	17	17	20	18	17	16
Other Operating Expenses	22	31	22	30	23	15	15	19	20	16
Income Tax Expense	-16	-15	-4.04	-18	-9.51	-4.83	3.39	3.23	9.05	1.22
Basic Earnings per Share	($0.55)	($0.92)	($0.68)	($0.78)	($0.75)	$0.26	$0.21	$0.15	$0.11	$0.05
Weighted Average Basic Shares Outstanding	38.28M	36.88M	38.90M	39.82M	39.96M	40.36M	45.50M	46.57M	46.71M	47.44M
Diluted Earnings per Share	($0.55)	($0.92)	($0.68)	($0.78)	($0.75)	$0.26	$0.21	$0.14	$0.11	$0.05
Weighted Average Diluted Shares Outstanding	38.28M	36.88M	38.90M	39.82M	39.96M	40.36M	47.04M	47.89M	48.31M	48.50M
Weighted Average Basic & Diluted Shares Outstanding	34.23M	34.56M	35.59M	35.72M	35.97M	36.13M	37.50M	44.01M	44.13M	45.74M

This table details how cash moves in and out of Oportun Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	26	35	6.97	32	24	11	2.20	8.61
Net Cash From Operating Activities	139	138	218	153	163	248	393	394
Net Cash From Continuing Operating Activities	139	138	218	153	163	248	393	394
Net Income / (Loss) Continuing Operations	-10	123	62	-45	47	-78	-180	-79
Consolidated Net Income / (Loss)	-10	123	62	-45	47	-78	-180	-79
Depreciation Expense	11	12	14	20	27	48	55	51
Amortization Expense	0.00	-18	-3.78	-0.90	-16	-27	-23	-33
Non-Cash Adjustments to Reconcile Net Income	22	34	136	213	115	386	562	484
Changes in Operating Assets and Liabilities, net	18	-30	15	-34	-10	-81	-21	-30
Net Cash From Investing Activities	-343	-471	-498	16	-885	-1,172	-286	-194
Net Cash From Continuing Investing Activities	-343	-471	-498	16	-885	-1,172	-286	-194
Purchase of Property, Leasehold Improvements and Equipment	-12	-18	-26	-27	-39	-49	-31	-19
Purchase of Investment Securities	-1,063	-1,322	-1,487	-1,012	-1,954	-2,769	-1,582	-1,526
Sale and/or Maturity of Investments	731	869	1,016	1,055	1,108	1,646	1,327	1,351
Net Cash From Financing Activities	231	368	286	-137	746	935	-104	-191
Net Cash From Continuing Financing Activities	231	368	286	-137	746	935	-104	-191
Issuance of Debt	801	1,344	395	509	2,771	3,234	872	965
Repayment of Debt	-561	-975	-169	-644	-2,020	-2,283	-1,044	-858
Other Financing Activities, Net	-5.87	-0.86	-	-2.04	-5.42	-17	68	-299
Cash Interest Paid	31	42	-	57	47	86	184	214
Cash Income Taxes Paid	4.40	20	-	2.83	3.88	-3.46	-1.86	1.04

This table details how cash moves in and out of Oportun Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Net Change in Cash & Equivalents	-2.69	6.37	-9.46	40	-8.10	-14	16	-2.75	-4.27	11
Net Cash From Operating Activities	107	106	86	108	108	91	101	105	99	104
Net Cash From Continuing Operating Activities	107	106	86	108	108	91	101	105	99	104
Net Income / (Loss) Continuing Operations	-21	-42	-26	-31	-30	8.74	9.77	6.88	5.20	2.35
Consolidated Net Income / (Loss)	-21	-42	-26	-31	-30	8.74	9.77	6.88	5.20	2.35
Depreciation Expense	14	14	13	13	13	11	11	11	10	9.00
Amortization Expense	-2.37	-4.01	-1.60	-8.54	-2.47	-20	-12	-9.09	-8.39	-0.26
Non-Cash Adjustments to Reconcile Net Income	129	132	118	127	130	109	87	86	97	98
Changes in Operating Assets and Liabilities, net	-12	6.23	-17	6.80	-2.10	-18	4.95	9.68	-4.83	-4.88
Net Cash From Investing Activities	-85	-97	36	-63	-110	-56	-56	-52	-73	7.98
Net Cash From Continuing Investing Activities	-85	-97	36	-63	-110	-56	-56	-52	-73	7.98
Purchase of Property, Leasehold Improvements and Equipment	-6.45	-6.08	-3.10	-5.25	-4.78	-6.06	-5.58	-6.43	-6.12	-6.51
Purchase of Investment Securities	-400	-400	-298	-382	-425	-421	-382	-391	-423	-318
Sale and/or Maturity of Investments	321	310	338	323	320	371	332	345	356	333
Net Cash From Financing Activities	-24	-3.13	-132	-4.21	-6.28	-49	-29	-55	-31	-101
Net Cash From Continuing Financing Activities	-24	-3.13	-132	-4.21	-6.28	-49	-29	-55	-31	-101
Issuance of Debt	246	429	0.00	90	956	687	325	702	746	559
Repayment of Debt	-270	-431	-112	-77	-991	-496	-354	-756	-777	-659
Other Financing Activities, Net	-0.60	-1.54	-20	-17	29	-240	-0.51	-1.10	0.00	-0.50
Cash Interest Paid	49	57	57	50	54	53	50	50	47	45
Cash Income Taxes Paid	0.25	-3.28	-0.68	1.51	-0.27	0.49	0.32	1.08	0.39	0.51

This table presents Oportun Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,740	2,202	2,009	2,947	3,614	3,412	3,227	3,258
Cash and Due from Banks	70	72	136	131	99	91	60	106
Restricted Cash	59	64	32	62	105	115	155	93
Loans and Leases, Net of Allowance	297	39	0.00	0.00	0.00	0.00	0.00	0.00
Intangible Assets	-	-	27	131	140	115	87	72
Other Assets	1,315	2,027	1,813	2,518	3,270	3,091	2,926	2,987
Total Liabilities & Shareholders' Equity	1,740	2,202	2,009	2,947	3,614	3,412	3,227	3,258
Total Liabilities	1,393	1,713	1,542	2,343	3,066	3,007	2,873	2,868
Long-Term Debt	1,310	1,549	1,414	1,766	2,611	2,620	2,065	2,799
Other Long-Term Liabilities	83	164	129	183	138	97	273	68
Total Equity & Noncontrolling Interests	347	489	467	604	548	404	354	390
Total Preferred & Common Equity	347	489	467	604	548	404	354	390
Total Common Equity	89	489	467	604	548	404	354	390
Common Stock	44	418	437	526	548	585	613	624
Retained Earnings	53	77	36	84	6.10	-174	-253	-227
Treasury Stock	-8.43	-6.12	-6.31	-6.31	-6.31	-6.31	-6.31	-6.31

This table presents Oportun Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	3,430	3,278	3,250	3,251	3,226	3,201	3,186	3,168
Cash and Due from Banks	82	69	73	72	79	97	105	130
Restricted Cash	118	127	164	157	152	131	119	79
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Intangible Assets	127	106	100	92	82	78	75	69
Other Assets	3,103	2,975	2,858	2,878	2,913	2,895	2,887	2,888
Total Liabilities & Shareholders' Equity	3,430	3,278	3,250	3,251	3,226	3,201	3,186	3,168
Total Liabilities	2,989	2,896	2,896	2,924	2,860	2,825	2,802	2,771
Long-Term Debt	2,471	2,733	2,650	2,712	2,591	2,555	2,393	2,561
Other Long-Term Liabilities	95	91	89	87	270	271	248	210
Total Equity & Noncontrolling Interests	441	382	354	328	366	376	384	396
Total Preferred & Common Equity	441	382	354	328	366	376	384	396
Total Common Equity	441	382	354	328	366	376	384	396
Common Stock	580	589	592	595	615	618	621	628
Retained Earnings	-132	-200	-231	-261	-243	-236	-231	-225
Treasury Stock	-6.31	-6.31	-6.31	-6.31	-6.31	-6.31	-6.31	-6.31

This table displays calculated financial ratios and metrics derived from Oportun Financial's official financial filings.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	102.18%	-2.31%	-25.02%	58.32%	20.77%	-56.19%	5.18%
EBITDA Growth	0.00%	1,198.88%	-42.37%	-140.92%	291.02%	-173.71%	-306.84%	56.41%
EBIT Growth	0.00%	8,121.12%	-50.36%	-168.81%	208.09%	-219.90%	-236.92%	54.59%
NOPAT Growth	0.00%	1,309.03%	-50.08%	-166.02%	216.59%	-211.15%	-236.92%	54.59%
Net Income Growth	0.00%	1,309.03%	-50.08%	-173.19%	205.17%	-263.97%	-131.47%	56.28%
EPS Growth	0.00%	205.92%	-91.05%	-512.50%	194.55%	-251.92%	-105.91%	60.04%
Operating Cash Flow Growth	0.00%	-0.53%	57.81%	-30.00%	6.92%	51.65%	58.45%	0.19%
Free Cash Flow Firm Growth	0.00%	0.00%	79.16%	136.61%	-814.38%	8.49%	97.85%	562.48%
Invested Capital Growth	0.00%	0.00%	23.01%	-7.74%	46.97%	25.77%	-4.64%	-4.72%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	-4.82%	9.47%	-2.60%	-20.27%	7.77%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	-90.35%	7.65%	-84.50%	-24.25%	30.61%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	-39.63%	11.01%	-62.00%	-24.16%	34.69%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	-39.63%	13.54%	-62.00%	-24.16%	34.69%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	-48.14%	13.54%	-40.96%	-22.79%	39.12%
EPS Q/Q Growth	0.00%	0.00%	0.00%	-143.54%	10.64%	-43.64%	-15.91%	37.70%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	6.43%	-19.77%	39.47%	13.15%	4.74%	-3.64%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	-115.18%	37.67%	80.44%	60.94%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	6.25%	25.63%	2.39%	-0.62%	-0.21%
Profitability Metrics	-	-	-	-	-	-	-	-
EBITDA Margin	5.59%	35.94%	21.21%	-11.57%	13.96%	-8.52%	-79.14%	-32.80%
EBIT Margin	0.91%	37.19%	18.90%	-17.34%	11.84%	-11.75%	-90.38%	-39.02%
Profit (Net Income) Margin	-4.51%	26.98%	13.79%	-13.45%	8.94%	-12.14%	-64.12%	-26.65%
Tax Burden Percent	-493.28%	72.54%	72.96%	77.60%	75.51%	103.26%	70.94%	68.31%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	593.28%	27.46%	27.04%	0.00%	24.49%	0.00%	0.00%	0.00%
Return on Invested Capital (ROIC)	0.00%	14.90%	3.33%	-2.08%	2.04%	-1.69%	-5.23%	-2.49%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	14.90%	3.33%	-2.37%	2.04%	-2.67%	-5.31%	-2.42%
Return on Net Nonoperating Assets (RNNOA)	0.00%	56.32%	11.41%	-7.36%	6.82%	-11.81%	-32.58%	-18.26%
Return on Equity (ROE)	0.00%	71.21%	14.75%	-9.44%	8.86%	-13.50%	-37.80%	-20.75%
Cash Return on Invested Capital (CROIC)	0.00%	-185.10%	-17.30%	5.97%	-36.00%	-24.52%	-0.48%	2.35%
Operating Return on Assets (OROA)	0.00%	9.78%	4.28%	-2.76%	2.53%	-2.30%	-7.22%	-3.47%
Return on Assets (ROA)	0.00%	7.09%	3.13%	-2.14%	1.91%	-2.37%	-5.12%	-2.37%
Return on Common Equity (ROCE)	0.00%	18.22%	10.19%	-9.44%	8.86%	-13.50%	-37.80%	-20.75%
Return on Equity Simple (ROE_SIMPLE)	0.00%	35.61%	12.60%	-9.66%	7.85%	-14.20%	-44.50%	-22.24%
Net Operating Profit after Tax (NOPAT)	-10	123	62	-41	47	-53	-178	-81
NOPAT Margin	-4.51%	26.98%	13.79%	-12.14%	8.94%	-8.23%	-63.26%	-27.31%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.30%	0.00%	0.98%	0.08%	-0.07%
SG&A Expenses to Revenue	77.86%	48.92%	64.85%	97.18%	70.18%	75.08%	148.41%	108.51%
Operating Expenses to Revenue	99.09%	62.81%	81.11%	117.34%	88.16%	111.75%	190.38%	139.02%
Earnings before Interest and Taxes (EBIT)	2.07	170	84	-58	63	-75	-254	-115
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	13	164	95	-39	74	-55	-222	-97
Valuation Ratios	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	2.04	1.31	1.15	0.95	0.33	0.33	0.39
Price to Tangible Book Value (P/TBV)	0.00	2.04	1.31	1.22	1.56	0.45	0.46	0.52
Price to Revenue (P/Rev)	0.80	0.40	1.44	1.60	1.08	0.29	0.48	0.47
Price to Earnings (P/E)	0.00	1.47	10.44	0.00	12.12	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	68.09%	9.58%	0.00%	8.25%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.98	1.01	0.95	0.92	0.84	0.86	0.86
Enterprise Value to Revenue (EV/Rev)	0.00	3.54	4.60	5.31	4.79	4.54	10.11	9.25
Enterprise Value to EBITDA (EV/EBITDA)	0.00	9.85	21.69	0.00	34.31	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	9.53	24.35	0.00	40.48	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	13.13	33.37	0.00	53.60	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	11.71	9.41	11.64	15.55	11.73	7.23	6.94
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	15.21	0.00	0.00	0.00	35.96
Leverage & Solvency	-	-	-	-	-	-	-	-
Debt to Equity	0.00	3.78	3.17	3.03	3.58	5.35	7.20	7.93
Long-Term Debt to Equity	0.00	3.78	3.17	3.03	2.92	4.77	6.48	6.41
Financial Leverage	0.00	3.78	3.42	3.10	3.34	4.42	6.13	7.54
Leverage Ratio	0.00	5.02	4.72	4.41	4.63	5.70	7.38	8.76
Compound Leverage Factor	0.00	5.02	4.72	4.41	4.63	5.70	7.38	8.76
Debt to Total Capital	0.00%	79.08%	76.02%	75.18%	78.15%	84.25%	87.80%	88.80%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	14.25%	9.14%	8.75%	16.96%
Long-Term Debt to Total Capital	0.00%	79.08%	76.02%	75.18%	63.90%	75.11%	79.05%	71.84%
Preferred Equity to Total Capital	0.00%	15.57%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	5.35%	23.98%	24.82%	21.85%	15.76%	12.20%	11.20%
Debt to EBITDA	0.00	7.97	16.35	-36.46	29.16	-53.63	-13.10	-28.96
Net Debt to EBITDA	0.00	7.18	14.91	-32.11	26.55	-49.90	-12.17	-26.75
Long-Term Debt to EBITDA	0.00	7.97	16.35	-36.46	23.84	-47.81	-11.80	-23.43
Debt to NOPAT	0.00	10.62	25.15	-34.76	45.55	-55.56	-16.39	-34.78
Net Debt to NOPAT	0.00	9.57	22.94	-30.62	41.48	-51.69	-15.23	-32.12
Long-Term Debt to NOPAT	0.00	10.62	25.15	-34.76	37.24	-49.54	-14.76	-28.14
Noncontrolling Interest Sharing Ratio	0.00%	74.42%	30.87%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-1,533	-320	117	-836	-765	-16	76
Operating Cash Flow to CapEx	1,157.29%	771.14%	832.76%	574.76%	421.55%	506.98%	1,256.41%	2,050.98%
Free Cash Flow to Firm to Interest Expense	0.00	-32.68	-5.28	2.00	-17.53	-8.22	-0.09	0.32
Operating Cash Flow to Interest Expense	3.82	2.95	3.61	2.62	3.43	2.66	2.19	1.65
Operating Cash Flow Less CapEx to Interest Expense	3.49	2.57	3.17	2.16	2.62	2.14	2.01	1.57
Efficiency Ratios	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.26	0.23	0.16	0.21	0.20	0.08	0.09
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-
Invested Capital	0.00	1,657	2,038	1,880	2,764	3,476	3,315	3,158
Invested Capital Turnover	0.00	0.55	0.24	0.17	0.23	0.21	0.08	0.09
Increase / (Decrease) in Invested Capital	0.00	1,657	381	-158	883	712	-161	-157
Enterprise Value (EV)	0.00	1,620	2,056	1,780	2,542	2,907	2,838	2,729
Market Capitalization	181	181	643	535	575	183	134	140
Book Value per Share	$0.00	$34.29	$18.10	$16.90	$21.27	$16.50	$11.81	$9.84
Tangible Book Value per Share	$0.00	$34.29	$18.10	$15.91	$12.99	$12.29	$8.46	$7.43
Total Capital	0.00	1,657	2,038	1,880	2,764	3,476	3,315	3,158
Total Debt	0.00	1,310	1,549	1,414	2,160	2,928	2,910	2,804
Total Long-Term Debt	0.00	1,310	1,549	1,414	1,766	2,611	2,620	2,269
Net Debt	0.00	1,181	1,413	1,245	1,967	2,724	2,704	2,590
Capital Expenditures (CapEx)	12	18	26	27	39	49	31	19
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	4.42	0.00	25	2.39	-1.94
Net Nonoperating Obligations (NNO)	0.00	1,310	1,549	1,414	2,160	2,928	2,910	2,804
Total Depreciation and Amortization (D&A)	11	-5.68	10	19	11	21	32	18
Earnings Adjustments	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.46	($1.65)	$1.68	($2.37)	($4.88)	($1.95)
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	9.35M	27.33M	28.19M	32.83M	36.88M	40.36M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.40	($1.65)	$1.56	($2.37)	($4.88)	($1.95)
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	10.76M	27.33M	30.32M	32.83M	36.88M	40.36M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	27.00M	27.70M	32.02M	33.42M	34.56M	36.13M
Normalized Net Operating Profit after Tax (NOPAT)	1.45	123	62	-41	47	23	-178	-81
Normalized NOPAT Margin	0.64%	26.98%	13.79%	-12.14%	8.94%	3.63%	-63.26%	-27.31%
Pre Tax Income Margin	0.91%	37.19%	18.90%	-17.34%	11.84%	-11.75%	-90.38%	-39.02%
Debt Service Ratios	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.06	3.63	1.39	-1.00	1.32	-0.81	-1.41	-0.48
NOPAT to Interest Expense	-0.28	2.63	1.02	-0.70	0.99	-0.57	-0.99	-0.34
EBIT Less CapEx to Interest Expense	-0.27	3.24	0.96	-1.45	0.50	-1.33	-1.59	-0.56
NOPAT Less CapEx to Interest Expense	-0.61	2.25	0.58	-1.15	0.18	-1.09	-1.16	-0.42
Payout Ratios	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	-32.12%	0.29%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

This table displays calculated financial ratios and metrics derived from Oportun Financial's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
DEI Shares Outstanding	34,044,431.00	34,230,172.00	34,557,486.00	35,589,254.00	35,722,721.00	-	36,134,274.00	37,501,165.00	44,009,399.00	44,129,020.00
DEI Adjusted Shares Outstanding	34,044,431.00	34,230,172.00	34,557,486.00	35,589,254.00	35,722,721.00	-	36,134,274.00	37,501,165.00	44,009,399.00	44,129,020.00
DEI Earnings Per Adjusted Shares Outstanding	-0.62	-1.22	-0.77	-0.87	-0.84	-	0.27	0.18	0.12	0.05
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-42.08%	-49.74%	1,547.60%	-49.39%	-26.45%	29.52%	33.68%	74.16%	67.77%	-10.34%
EBITDA Growth	75.76%	-1,042.57%	85.80%	-180.34%	-10.34%	89.91%	165.65%	126.25%	156.28%	-0.71%
EBIT Growth	66.74%	-623.13%	78.47%	-181.32%	-5.60%	106.83%	143.18%	120.57%	136.09%	-72.94%
NOPAT Growth	66.74%	-623.13%	78.47%	-181.32%	-5.60%	121.79%	145.78%	119.99%	118.82%	-75.99%
Net Income Growth	80.03%	-396.55%	74.10%	-108.24%	-41.72%	120.89%	136.94%	122.17%	117.35%	-75.99%
EPS Growth	82.87%	-268.00%	77.33%	-90.24%	-36.36%	128.26%	130.88%	117.95%	114.67%	-76.19%
Operating Cash Flow Growth	58.19%	20.08%	11.81%	5.06%	1.28%	-13.98%	17.58%	-2.97%	-8.69%	2.73%
Free Cash Flow Firm Growth	102.59%	116.87%	127.40%	197.74%	334.04%	36.52%	30.61%	43.40%	61.71%	-99.34%
Invested Capital Growth	-1.74%	-4.64%	-6.04%	-5.95%	-5.12%	-4.72%	-7.22%	-7.29%	-7.14%	0.03%
Revenue Q/Q Growth	-28.23%	-15.31%	9.80%	-24.17%	4.30%	49.14%	13.32%	-1.21%	0.48%	0.00%
EBITDA Q/Q Growth	-61.81%	-84.19%	60.27%	-136.76%	36.31%	83.15%	358.42%	-5.34%	36.56%	0.00%
EBIT Q/Q Growth	-113.90%	-53.28%	46.80%	-61.28%	19.71%	109.91%	236.46%	-23.19%	40.92%	0.00%
NOPAT Q/Q Growth	-113.90%	-53.28%	46.80%	-61.28%	19.71%	131.63%	11.78%	-29.59%	-24.41%	0.00%
Net Income Q/Q Growth	-41.88%	-97.86%	36.79%	-17.35%	3.45%	129.17%	11.78%	-29.59%	-24.41%	0.00%
EPS Q/Q Growth	-34.15%	-67.27%	26.09%	-14.71%	3.85%	134.67%	-19.23%	-33.33%	-21.43%	0.00%
Operating Cash Flow Q/Q Growth	4.44%	-0.73%	-19.22%	25.44%	0.69%	-15.69%	10.42%	3.52%	-5.25%	0.00%
Free Cash Flow Firm Q/Q Growth	119.46%	267.44%	51.74%	-9.94%	-13.56%	15.57%	45.17%	-1.12%	-2.52%	0.00%
Invested Capital Q/Q Growth	-0.76%	-0.62%	-3.85%	-0.81%	0.12%	-0.21%	-6.38%	-0.88%	0.28%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	-30.30%	-65.89%	-23.84%	-74.44%	-45.45%	-5.13%	11.71%	11.22%	15.25%	12.97%
EBIT Margin	-43.89%	-79.44%	-38.49%	-81.87%	-63.02%	4.19%	12.43%	9.67%	13.56%	3.75%
Profit (Net Income) Margin	-24.83%	-58.01%	-33.40%	-51.68%	-47.84%	9.36%	9.23%	6.58%	4.95%	2.47%
Tax Burden Percent	56.56%	73.02%	86.76%	63.12%	75.91%	223.42%	74.22%	68.04%	36.49%	65.85%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	0.00%	-123.42%	25.78%	31.96%	63.51%	34.15%
Return on Invested Capital (ROIC)	-3.21%	-4.60%	-2.91%	-5.21%	-3.72%	0.85%	0.97%	0.79%	0.66%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	-3.04%	-4.66%	-3.09%	-5.09%	-3.80%	0.85%	0.97%	0.79%	0.66%	0.00%
Return on Net Nonoperating Assets (RNNOA)	-17.61%	-28.56%	-21.14%	-35.78%	-28.32%	6.43%	6.97%	5.81%	5.02%	0.00%
Return on Equity (ROE)	-20.83%	-33.15%	-24.05%	-40.99%	-32.04%	7.29%	7.94%	6.60%	5.69%	0.00%
Cash Return on Invested Capital (CROIC)	-2.49%	-0.48%	3.20%	2.39%	1.45%	2.35%	5.86%	7.28%	8.41%	-0.03%
Operating Return on Assets (OROA)	-4.43%	-6.35%	-4.03%	-7.22%	-5.17%	0.37%	1.23%	1.10%	1.72%	0.00%
Return on Assets (ROA)	-2.51%	-4.63%	-3.50%	-4.56%	-3.92%	0.83%	0.91%	0.75%	0.63%	0.00%
Return on Common Equity (ROCE)	-20.83%	-33.15%	-24.05%	-40.99%	-32.04%	7.29%	7.94%	6.60%	5.69%	0.00%
Return on Equity Simple (ROE_SIMPLE)	-33.20%	0.00%	-27.31%	-34.01%	-39.46%	0.00%	-11.60%	-1.22%	7.97%	0.00%
Net Operating Profit after Tax (NOPAT)	-26	-40	-21	-34	-28	8.74	9.77	6.88	5.20	2.35
NOPAT Margin	-30.73%	-55.61%	-26.95%	-57.31%	-44.12%	9.36%	9.23%	6.58%	4.95%	2.47%
Net Nonoperating Expense Percent (NNEP)	-0.18%	0.06%	0.18%	-0.12%	0.08%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	117.65%	135.82%	110.68%	131.25%	126.17%	80.20%	73.03%	71.71%	67.49%	79.69%
Operating Expenses to Revenue	143.89%	179.44%	138.49%	181.87%	163.02%	95.81%	87.57%	90.33%	86.44%	96.25%
Earnings before Interest and Taxes (EBIT)	-37	-57	-30	-49	-39	3.91	13	10	14	3.56
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-26	-48	-19	-45	-28	-4.80	12	12	16	12
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.56	0.33	0.22	0.29	0.31	0.39	0.54	0.71	0.71	0.51
Price to Tangible Book Value (P/TBV)	0.78	0.46	0.30	0.41	0.43	0.52	0.70	0.90	0.88	0.62
Price to Revenue (P/Rev)	0.70	0.48	0.24	0.35	0.37	0.47	0.62	0.73	0.66	0.00
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	8.88	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.26%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.88	0.86	0.84	0.85	0.86	0.86	0.87	0.89	0.89	0.86
Enterprise Value to Revenue (EV/Rev)	8.35	10.11	7.58	9.02	9.89	9.25	7.95	7.08	6.37	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	73.63	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	62.83	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	85.10	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	7.84	7.23	6.70	6.57	6.63	6.94	6.26	6.40	6.57	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	25.59	34.35	57.45	35.96	14.21	11.70	10.14	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	6.56	7.20	7.34	7.93	8.66	7.93	7.08	6.79	6.66	6.46
Long-Term Debt to Equity	5.60	6.48	7.15	7.48	8.28	6.41	7.08	6.79	6.23	6.46
Financial Leverage	5.79	6.13	6.85	7.03	7.45	7.54	7.21	7.34	7.58	6.76
Leverage Ratio	7.04	7.38	8.09	8.27	8.69	8.76	8.69	8.84	9.05	8.39
Compound Leverage Factor	7.04	7.38	8.09	8.27	8.69	8.76	8.69	8.84	9.05	8.39
Debt to Total Capital	86.77%	87.80%	88.01%	88.80%	89.65%	88.80%	87.62%	87.17%	86.94%	86.60%
Short-Term Debt to Total Capital	12.69%	8.75%	2.26%	4.95%	3.96%	16.96%	0.00%	0.00%	5.51%	0.00%
Long-Term Debt to Total Capital	74.08%	79.05%	85.75%	83.85%	85.69%	71.84%	87.62%	87.17%	81.43%	86.60%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	13.23%	12.20%	11.99%	11.20%	10.35%	11.20%	12.38%	12.83%	13.06%	13.40%
Debt to EBITDA	-16.19	-13.10	-25.94	-20.51	-20.33	-28.96	-39.52	-279.62	72.29	0.00
Net Debt to EBITDA	-15.07	-12.17	-24.13	-18.78	-18.70	-26.75	-36.00	-254.64	65.95	0.00
Long-Term Debt to EBITDA	-13.82	-11.80	-25.28	-19.37	-19.44	-23.43	-39.52	-279.62	67.71	0.00
Debt to NOPAT	-20.24	-16.39	-28.10	-23.01	-22.98	-34.78	-51.73	-297.04	83.55	0.00
Net Debt to NOPAT	-18.84	-15.23	-26.13	-21.07	-21.13	-32.12	-47.12	-270.50	76.22	0.00
Long-Term Debt to NOPAT	-17.28	-14.76	-27.38	-21.73	-21.97	-28.14	-51.73	-297.04	78.25	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	33	121	184	165	143	165	240	237	231	1.58
Operating Cash Flow to CapEx	1,660.68%	1,748.25%	2,773.07%	2,050.38%	2,270.15%	1,509.49%	1,810.27%	1,624.87%	1,619.11%	1,593.38%
Free Cash Flow to Firm to Interest Expense	0.70	2.33	3.37	3.05	2.56	2.24	4.18	3.98	4.08	0.03
Operating Cash Flow to Interest Expense	2.28	2.04	1.58	1.99	1.95	1.24	1.76	1.76	1.75	2.16
Operating Cash Flow Less CapEx to Interest Expense	2.14	1.93	1.52	1.89	1.86	1.16	1.66	1.65	1.64	2.03
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.10	0.08	0.10	0.09	0.08	0.09	0.10	0.11	0.13	0.00
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,335	3,315	3,187	3,161	3,165	3,158	2,957	2,931	2,939	2,957
Invested Capital Turnover	0.10	0.08	0.11	0.09	0.08	0.09	0.10	0.12	0.13	0.00
Increase / (Decrease) in Invested Capital	-59	-161	-205	-200	-171	-157	-230	-230	-226	0.77
Enterprise Value (EV)	2,940	2,838	2,692	2,673	2,709	2,729	2,558	2,595	2,602	2,555
Market Capitalization	246	134	84	103	100	140	198	269	272	203
Book Value per Share	$12.96	$11.81	$11.05	$9.95	$9.17	$9.84	$10.13	$10.03	$8.72	$8.35
Tangible Book Value per Share	$9.23	$8.46	$7.98	$7.15	$6.59	$7.43	$7.87	$7.94	$7.02	$6.89
Total Capital	3,335	3,315	3,187	3,161	3,165	3,158	2,957	2,931	2,939	2,957
Total Debt	2,894	2,910	2,805	2,807	2,837	2,804	2,591	2,555	2,555	2,561
Total Long-Term Debt	2,471	2,620	2,733	2,650	2,712	2,269	2,591	2,555	2,393	2,561
Net Debt	2,694	2,704	2,608	2,570	2,609	2,590	2,360	2,326	2,331	2,351
Capital Expenditures (CapEx)	6.45	6.08	3.10	5.25	4.78	6.06	5.58	6.43	6.12	6.51
Net Nonoperating Expense (NNE)	-5.02	1.73	5.11	-3.38	2.33	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	2,894	2,910	2,805	2,807	2,837	2,804	2,591	2,555	2,555	2,561
Total Depreciation and Amortization (D&A)	12	9.77	12	4.46	11	-8.71	-0.77	1.62	1.77	8.74
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.55)	($0.92)	($0.68)	($0.78)	($0.75)	$0.26	$0.21	$0.15	$0.11	$0.05
Adjusted Weighted Average Basic Shares Outstanding	38.28M	36.88M	38.90M	39.82M	39.96M	40.36M	45.50M	46.57M	46.71M	47.44M
Adjusted Diluted Earnings per Share	($0.55)	($0.92)	($0.68)	($0.78)	($0.75)	$0.26	$0.21	$0.14	$0.11	$0.05
Adjusted Weighted Average Diluted Shares Outstanding	38.28M	36.88M	38.90M	39.82M	39.96M	40.36M	47.04M	47.89M	48.31M	48.50M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	34.23M	34.56M	35.59M	35.72M	35.97M	36.13M	37.50M	44.01M	44.13M	45.74M
Normalized Net Operating Profit after Tax (NOPAT)	-26	-40	-21	-34	-28	2.74	9.77	6.88	9.97	2.35
Normalized NOPAT Margin	-30.73%	-55.61%	-26.95%	-57.31%	-44.12%	2.93%	9.23%	6.58%	9.49%	2.47%
Pre Tax Income Margin	-43.89%	-79.44%	-38.49%	-81.87%	-63.02%	4.19%	12.43%	9.67%	13.56%	3.75%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-0.80	-1.10	-0.56	-0.91	-0.71	0.05	0.23	0.17	0.25	0.07
NOPAT to Interest Expense	-0.56	-0.77	-0.39	-0.63	-0.50	0.12	0.17	0.12	0.09	0.05
EBIT Less CapEx to Interest Expense	-0.93	-1.22	-0.62	-1.00	-0.79	-0.03	0.13	0.06	0.14	-0.06
NOPAT Less CapEx to Interest Expense	-0.69	-0.89	-0.45	-0.73	-0.58	0.04	0.07	0.01	-0.02	-0.09
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials Breakdown Chart

Key Financial Trends

Oportun Financial’s Q1 2026 results show a modest return to profitability, but the overall picture is still mixed. The company earned $2.3 million in net income after losses in several prior quarters, and it generated strong operating cash flow. However, revenue still relies heavily on net interest income, non-interest income remains negative because of investment losses, and the balance sheet continues to carry a very large debt load relative to equity.

Q1 2026 net income turned positive at $2.3 million, improving from a $26.4 million loss in Q1 2025 and a $31.0 million loss in Q2 2025.
Operating cash flow was strong at $103.7 million, showing the business is still generating meaningful cash from its core operations.
The company ended Q1 2026 with $130.4 million in cash and $79.5 million in restricted cash, giving it a substantial liquidity cushion.
Total revenue improved year over year to $94.9 million from $79.2 million in Q1 2025.
Pre-tax income also improved sharply to $3.6 million from a $30.5 million pre-tax loss a year earlier.
Interest income remained relatively stable, with $215.7 million in Q1 2026 versus $220.2 million in Q1 2025.
The company’s share count stayed fairly steady, with 47.4 million basic shares outstanding in Q1 2026 compared with 45.5 million in Q1 2025.
Investing activity remained active, with large purchases and sales of investment securities offsetting one another and producing a small positive net investing result.
Non-interest income was still deeply negative at -$72.8 million, mainly due to -$85.9 million in net realized and unrealized capital losses on investments.
The balance sheet remains highly leveraged, with $2.56 billion in long-term debt against only $396.3 million in common equity.
Debt financing continues to be large and volatile: Q1 2026 included $558.9 million of debt issuance and $659.2 million of debt repayment.
Cash and equivalents increased quarter over quarter, but the company still had to use financing activity to manage its capital structure, which suggests ongoing dependence on debt markets.
Profitability is still thin: Q1 2026 net margin was only about 2.5% of revenue, so small swings in credit performance or investment marks could quickly push earnings back into the red.

Longer-term trend: Oportun has made a notable turnaround from the heavy losses seen in 2024 and early 2025, when quarterly net income was often negative and operating performance was pressured by investment losses and high expense levels. The latest quarter suggests the business is stabilizing, but the company still carries significant balance sheet and earnings volatility risk.

07/11/26 03:05 AM ETAI Generated. May Contain Errors.

Oportun Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Oportun Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

Oportun Financial's net income appears to be on an upward trend, with a most recent value of -$78.68 million in 2024, rising from -$10.21 million in 2017. The previous period was -$179.95 million in 2023. Check out Oportun Financial's forecast to explore projected trends and price targets.

Over the last 7 years, Oportun Financial's total revenue changed from $226.24 million in 2017 to $295.20 million in 2024, a change of 30.5%.

Oportun Financial's total liabilities were at $2.87 billion at the end of 2025, a 0.2% decrease from 2024, and a 105.8% increase since 2018.

In the past 7 years, Oportun Financial's cash and equivalents has ranged from $59.97 million in 2024 to $136.19 million in 2020, and is currently $105.53 million as of their latest financial filing in 2025.

Over the last 7 years, Oportun Financial's book value per share changed from 0.00 in 2017 to 9.84 in 2024, a change of 983.6%.

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Financial statements for NASDAQ:OPRT last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Oportun Financial (OPRT) Financials

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Oportun Financial (OPRT) Financials

Annual Income Statements for Oportun Financial

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Financials Breakdown Chart

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Oportun Financial Financials - Frequently Asked Questions

When does Oportun Financial's financial year end?

How has Oportun Financial's net income changed over the last 7 years?

How has Oportun Financial's revenue changed over the last 7 years?

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How has Oportun Financial's book value per share changed over the last 7 years?

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