Oportun Financial Corp Financials

OPRT

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Oportun Financial Corp (OPRT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

4/9

Oportun Financial Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

-5.00x

For every $1 of reported earnings, Oportun Financial Corp generates $-5.00 in operating cash flow ($393.5M OCF vs -$78.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Revenue

$295.2M

YoY+5.2%

5Y CAGR-8.0%

Oportun Financial Corp generated $295.2M in revenue in fiscal year 2024. This represents an increase of 5.2% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

-$78.7M

YoY+56.3%

Oportun Financial Corp reported -$78.7M in net income in fiscal year 2024. This represents an increase of 56.3% from the prior year.

EPS (Diluted)

$-1.95

YoY+60.0%

Oportun Financial Corp earned $-1.95 per diluted share (EPS) in fiscal year 2024. This represents an increase of 60.0% from the prior year.

Cash & Debt

$60.0M

YoY-34.2%

5Y CAGR-3.6%

Oportun Financial Corp held $60.0M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

36M

YoY+4.8%

5Y CAGR+6.0%

Oportun Financial Corp had 36M shares outstanding in fiscal year 2024. This represents an increase of 4.8% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-26.7%

YoY+37.5pp

5Y CAGR-40.4pp

Oportun Financial Corp's net profit margin was -26.7% in fiscal year 2024, showing the share of revenue converted to profit. This is up 37.5 percentage points from the prior year.

Return on Equity

N/A

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

OPRT Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$295.2M+5.2%	$280.7M-56.2%	$640.7M+20.8%	$530.5M+58.3%	$335.1M-25.0%	$446.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$53.2M-26.5%	$72.4M+23.0%	$58.8M+57.0%	$37.5M+83.1%	$20.5M+33.0%	$15.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	-$36.5M+50.5%	-$73.7M-3098.5%	$2.5M-84.0%	$15.4M+218.2%	-$13.0M-157.0%	$22.8M
Net Income	-$78.7M+56.3%	-$180.0M-131.5%	-$77.7M-264.0%	$47.4M+205.2%	-$45.1M-173.2%	$61.6M
EPS (Diluted)	$-1.95+60.0%	$-4.88-105.9%	$-2.37-251.9%	$1.56+194.5%	$-1.65-512.5%	$0.40

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$105.0M+0.5%	$104.6M-1.2%	$105.8M+13.3%	$93.4M+55.6%	$60.0M-24.2%	$79.2M+9.8%	$72.1M-15.3%	$85.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$10.5M+7.5%	$9.8M+32.5%	$7.4M+14.6%	$6.4M-70.8%	$22.0M+86.9%	$11.8M-41.8%	$20.2M+70.6%	$11.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$9.0M+180.0%	$3.2M-4.7%	$3.4M+170.3%	-$4.8M+73.4%	-$18.1M-349.1%	-$4.0M+73.9%	-$15.5M+4.8%	-$16.2M
Net Income	$5.2M-24.4%	$6.9M-29.6%	$9.8M+11.8%	$8.7M+128.2%	-$31.0M-17.3%	-$26.4M+36.8%	-$41.8M-97.9%	-$21.1M
EPS (Diluted)	$0.11-21.4%	$0.14-33.3%	$0.21-19.2%	$0.26+133.3%	$-0.78-14.7%	$-0.68+26.1%	$-0.92-67.3%	$-0.55

OPRT Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$3.2B-5.4%	$3.4B-5.6%	$3.6B+22.6%	$2.9B+46.7%	$2.0B-8.8%	$2.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$60.0M-34.2%	$91.2M-7.7%	$98.8M-24.5%	$131.0M-3.8%	$136.2M+88.7%	$72.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	$0-100.0%	$104.0M	$0	N/A
Total Liabilities	$2.9B-4.5%	$3.0B-1.9%	$3.1B+30.9%	$2.3B+51.9%	$1.5B-10.0%	$1.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	$114.1M	N/A	N/A
Total Equity	$353.8M-12.5%	$404.4M-26.1%	$547.6M-9.3%	$603.9M+29.4%	$466.6M-4.5%	$488.8M
Retained Earnings	-$252.5M-45.3%	-$173.8M-2949.0%	$6.1M-92.7%	$83.8M+130.1%	$36.4M-52.5%	$76.7M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$3.2B-0.5%	$3.2B-0.8%	$3.2B0.0%	$3.2B-0.7%	$3.3B-0.8%	$3.3B-3.9%	$3.4B-0.5%	$3.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$104.6M+8.1%	$96.8M+23.3%	$78.5M+31.0%	$60.0M-17.7%	$72.9M+5.3%	$69.2M-24.1%	$91.2M+11.4%	$81.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.8B-0.8%	$2.8B-1.2%	$2.9B-0.5%	$2.9B-0.8%	$2.9B0.0%	$2.9B-3.7%	$3.0B+0.6%	$3.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$383.9M+2.1%	$376.0M+2.7%	$366.1M+3.5%	$353.8M-0.1%	$354.1M-7.3%	$382.0M-5.5%	$404.4M-8.4%	$441.4M
Retained Earnings	-$230.7M+2.2%	-$235.9M+2.8%	-$242.8M+3.9%	-$252.5M-9.2%	-$231.3M-15.5%	-$200.3M-15.2%	-$173.8M-31.7%	-$132.0M

OPRT Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$393.5M+0.2%	$392.8M+58.5%	$247.9M+51.7%	$163.4M+6.9%	$152.9M-30.0%	$218.4M
Capital Expenditures	N/A	N/A	$6.0M-51.2%	$12.3M+154.8%	$4.8M-45.6%	$8.9M
Free Cash Flow	N/A	N/A	$241.9M+60.0%	$151.2M+2.1%	$148.0M-29.3%	$209.5M
Investing Cash Flow	-$193.7M+32.3%	-$286.2M+75.6%	-$1.2B-32.4%	-$884.8M-5502.0%	$16.4M+103.3%	-$497.7M
Financing Cash Flow	-$191.2M-83.2%	-$104.4M-111.2%	$934.5M+25.3%	$745.7M+645.1%	-$136.8M-147.8%	$286.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$99.0M-5.2%	$104.5M+3.5%	$101.0M+10.4%	$91.4M-15.1%	$107.7M+25.4%	$85.9M-19.2%	$106.3M-0.7%	$107.1M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$72.6M-38.8%	-$52.3M+5.7%	-$55.5M+1.6%	-$56.4M+11.1%	-$63.4M-274.0%	$36.5M+137.7%	-$96.8M-13.4%	-$85.3M
Financing Cash Flow	-$30.7M+44.2%	-$54.9M-88.7%	-$29.1M+40.5%	-$48.9M-1063.6%	-$4.2M+96.8%	-$131.8M-4115.1%	-$3.1M+87.2%	-$24.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

OPRT Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-26.7%+37.5pp	-64.1%-52.0pp	-12.1%-21.1pp	8.9%+22.4pp	-13.5%-27.2pp	13.8%
Return on Equity	N/A	N/A	N/A	7.8%	N/A	12.6%
Return on Assets	-2.4%+2.8pp	-5.3%-3.1pp	-2.1%-3.8pp	1.6%+3.9pp	-2.2%-5.0pp	2.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.12+0.7	7.44+1.8	5.60+5.4	0.19-3.1	3.31-0.2	3.50
FCF Margin	N/A	N/A	37.8%+9.3pp	28.5%-15.7pp	44.2%-2.7pp	46.9%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	5.0%-1.6pp	6.6%-2.6pp	9.2%-0.1pp	9.4%+61.0pp	-51.7%-18.3pp	-33.4%+24.6pp	-58.0%-33.2pp	-24.8%
Return on Equity	1.4%-0.5pp	1.8%-0.8pp	2.7%+0.2pp	2.5%	N/A	N/A	N/A	N/A
Return on Assets	0.2%-0.0pp	0.2%-0.1pp	0.3%+0.0pp	0.3%+1.2pp	-0.9%-0.1pp	-0.8%+0.4pp	-1.2%-0.6pp	-0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.30-0.2	7.51-0.3	7.81-0.3	8.12-0.1	8.18+0.6	7.58+0.1	7.44+0.7	6.77
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Oportun Financial Corp's annual revenue?

Oportun Financial Corp (OPRT) reported $295.2M in total revenue for fiscal year 2024. This represents a 5.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Oportun Financial Corp's revenue growing?

Oportun Financial Corp (OPRT) revenue grew by 5.2% year-over-year, from $280.7M to $295.2M in fiscal year 2024.

Is Oportun Financial Corp profitable?

No, Oportun Financial Corp (OPRT) reported a net income of -$78.7M in fiscal year 2024, with a net profit margin of -26.7%.

What is Oportun Financial Corp's earnings per share (EPS)?

Oportun Financial Corp (OPRT) reported diluted earnings per share of $-1.95 for fiscal year 2024. This represents a 60.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Oportun Financial Corp's net profit margin?

Oportun Financial Corp (OPRT) had a net profit margin of -26.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Oportun Financial Corp's operating cash flow?

Oportun Financial Corp (OPRT) generated $393.5M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Oportun Financial Corp's total assets?

Oportun Financial Corp (OPRT) had $3.2B in total assets as of fiscal year 2024, including both current and long-term assets.

How many shares does Oportun Financial Corp have outstanding?

Oportun Financial Corp (OPRT) had 36M shares outstanding as of fiscal year 2024.

What is Oportun Financial Corp's debt-to-equity ratio?

Oportun Financial Corp (OPRT) had a debt-to-equity ratio of 8.12 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Oportun Financial Corp's return on assets (ROA)?

Oportun Financial Corp (OPRT) had a return on assets of -2.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Oportun Financial Corp's Piotroski F-Score?

Oportun Financial Corp (OPRT) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Oportun Financial Corp's earnings high quality?

Oportun Financial Corp (OPRT) has an earnings quality ratio of -5.00x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.