Oportun Financial Corp Financials
Oportun Financial Corp (OPRT) reported $405.8M in revenue for fiscal year 2025, up 37.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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).
A thin-equity, balance-sheet-funded model means small changes in asset performance create much larger swings for shareholders.
Returns are being manufactured through leverage, not high asset yields: return on assets of0.8% translated into return on equity of6.5% because the company operates with a thin equity layer. The same leverage amplifier worked in reverse during the loss years and then again in recovery, which is why equity results moved far more violently than asset-level returns.
The turnaround was earned on a largely unchanged asset base: assets stayed near
Cash generation looked steadier than earnings, with operating cash flow rising from
Financial Health Signals
Oportun Financial Corp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Oportun Financial Corp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Oportun Financial Corp generates $16.41 in operating cash flow ($413.4M OCF vs $25.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Oportun Financial Corp generated $405.8M in revenue in fiscal year 2025. This represents an increase of 37.5% from the prior year.
Oportun Financial Corp reported $25.2M in net income in fiscal year 2025. This represents an increase of 132.0% from the prior year.
Oportun Financial Corp earned $0.53 per diluted share (EPS) in fiscal year 2025. This represents an increase of 127.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Oportun Financial Corp held $105.5M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Oportun Financial Corp's net profit margin was 6.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 32.9 percentage points from the prior year.
Oportun Financial Corp's ROE was 6.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 28.7 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
None of these metrics is reported for fiscal year 2025.
OPRT Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $396.0M | $405.8M+37.5% | $295.2M+5.2% | $280.7M-56.2% | $640.7M+20.8% | $530.5M+58.3% | $335.1M-25.0% | $446.8M-2.3% | $457.4M+102.2% | $226.2M |
| SG&A Expenses | $29.8M | $34.0M-36.1% | $53.2M-26.5% | $72.4M+23.0% | $58.8M+57.0% | $37.5M+83.1% | $20.5M+33.0% | $15.4M+42.1% | $10.8M-35.8% | $16.9M |
| Income Tax | $20.5M | $18.8M+151.6% | -$36.5M+50.5% | -$73.7M-3098.5% | $2.5M-84.0% | $15.4M+218.2% | -$13.0M-157.0% | $22.8M-51.1% | $46.7M+280.5% | $12.3M |
| Net Income | $19.4M | $25.2M+132.0% | -$78.7M+56.3% | -$180.0M-131.5% | -$77.7M-264.0% | $47.4M+205.2% | -$45.1M-173.2% | $61.6M-50.1% | $123.4M+1309.0% | -$10.2M |
| EPS (Diluted) | — | $0.53+127.2% | -$1.95+60.0% | -$4.88-105.9% | -$2.37-251.9% | $1.56+194.5% | -$1.65 | $0.40 | $4.47 | -$4.22 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, Interest Expense.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
OPRT Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.3B+1.0% | $3.2B-5.4% | $3.4B-5.6% | $3.6B+22.6% | $2.9B+46.7% | $2.0B-8.8% | $2.2B+26.5% | $1.7B | N/A |
| Cash & Equivalents | $105.5M+76.0% | $60.0M-34.2% | $91.2M-7.7% | $98.8M-24.5% | $131.0M-3.8% | $136.2M+88.7% | $72.2M+2.4% | $70.5M+45.8% | $48.3M |
| Goodwill | N/A | N/A | N/A | $0-100.0% | $104.0M | $0 | N/A | N/A | N/A |
| Total Liabilities | $2.9B-0.2% | $2.9B-4.5% | $3.0B-1.9% | $3.1B+30.9% | $2.3B+51.9% | $1.5B-10.0% | $1.7B+22.9% | $1.4B | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | $114.1M | N/A | N/A | N/A | N/A |
| Total Equity | $390.1M+10.3% | $353.8M-12.5% | $404.4M-26.1% | $547.6M-9.3% | $603.9M+29.4% | $466.6M-4.5% | $488.8M+41.0% | $346.5M+59.9% | $216.7M |
| Retained Earnings | -$227.3M+10.0% | -$252.5M-45.3% | -$173.8M-2949.0% | $6.1M-92.7% | $83.8M+130.1% | $36.4M-52.5% | $76.7M+45.6% | $52.7M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
OPRT Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $420.9M | $413.4M+5.1% | $393.5M+0.2% | $392.8M+58.5% | $247.9M+51.7% | $163.4M+6.9% | $152.9M-30.0% | $218.4M+57.8% | $138.4M-0.5% | $139.1M |
| Capital Expenditures | N/A | N/A | N/A | N/A | $6.0M-51.2% | $12.3M+154.8% | $4.8M-45.6% | $8.9M-39.0% | $14.6M+70.3% | $8.5M |
| Free Cash Flow | N/A | N/A | N/A | N/A | $241.9M+60.0% | $151.2M+2.1% | $148.0M-29.3% | $209.5M+69.2% | $123.8M-5.2% | $130.6M |
| Investing Cash Flow | -$304.0M | -$369.7M-90.9% | -$193.7M+32.3% | -$286.2M+75.6% | -$1.2B-32.4% | -$884.8M-5502.0% | $16.4M+103.3% | -$497.7M-5.6% | -$471.4M-37.3% | -$343.4M |
| Financing Cash Flow | -$132.7M | -$59.4M+69.0% | -$191.2M-83.2% | -$104.4M-111.2% | $934.5M+25.3% | $745.7M+645.1% | -$136.8M-147.8% | $286.3M-22.2% | $368.1M+59.6% | $230.7M |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
OPRT Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 6.2%+32.9pp | -26.7%+37.5pp | -64.1%-52.0pp | -12.1%-21.1pp | 8.9%+22.4pp | -13.5%-27.2pp | 13.8%-13.2pp | 27.0%+31.5pp | -4.5% |
| Return on Equity | 6.5%+28.7pp | -22.2%+22.3pp | -44.5%-30.3pp | -14.2%-22.0pp | 7.8%+17.5pp | -9.7%-22.3pp | 12.6%-23.0pp | 35.6%+40.3pp | -4.7% |
| Return on Assets | 0.8%+3.2pp | -2.4%+2.8pp | -5.3%-3.1pp | -2.1%-3.8pp | 1.6%+3.9pp | -2.2%-5.0pp | 2.8%-4.3pp | 7.1% | N/A |
| Debt-to-Equity | 7.35-0.8x | 8.12+0.7x | 7.44+1.8x | 5.60+5.4x | 0.19-3.1x | 3.31-0.2x | 3.50-0.5x | 4.02 | N/A |
| FCF Margin | N/A | N/A | N/A | 37.8%+9.3pp | 28.5%-15.7pp | 44.2%-2.7pp | 46.9%+19.8pp | 27.1%-30.6pp | 57.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Oportun Financial Corp Ranks
Frequently Asked Questions
What is Oportun Financial Corp's annual revenue?
Oportun Financial Corp (OPRT) reported $405.8M in total revenue for fiscal year 2025. This represents a 37.5% 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 37.5% year-over-year, from $295.2M to $405.8M in fiscal year 2025.
Is Oportun Financial Corp profitable?
Yes, Oportun Financial Corp (OPRT) reported a net income of $25.2M in fiscal year 2025, with a net profit margin of 6.2%.
What is Oportun Financial Corp's net profit margin?
Oportun Financial Corp (OPRT) had a net profit margin of 6.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Oportun Financial Corp's return on equity (ROE)?
Oportun Financial Corp (OPRT) has a return on equity of 6.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Oportun Financial Corp's operating cash flow?
Oportun Financial Corp (OPRT) generated $413.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Oportun Financial Corp's total assets?
Oportun Financial Corp (OPRT) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Oportun Financial Corp's debt-to-equity ratio?
Oportun Financial Corp (OPRT) had a debt-to-equity ratio of 7.35 as of fiscal year 2025, 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 0.8% for fiscal year 2025, 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 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 16.41x, considered cash-backed (high 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.