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

Oportun Financial Corporation (OPRT) reported diluted earnings per share of $0.53 for fiscal year 2025. This represents a 127.2% 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.

Oportun Financial Corporation (OPRT) Financials

OPRT

Trailing 12 months to June 30, 2026

Revenue $396.0M +8.1% YoY

Net Income $19.4M +523.3% YoY

EPS (Diluted) $0.40 +385.7% YoY

Operating Cash Flow $420.9M +3.8% YoY

Market Cap $410.2M as of Oct 10, 2026

Price / Sales 1.0x on $396.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 21.1x on $19.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $407.1M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OPRT SEC filings page.

Oportun Financial Corporation (OPRT) reported $396.0M in revenue over the twelve months to Jun 30, 2026, up 8.1% from the prior twelve months. 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).

Rhea AI OPRT FY2025 2026-10-04

The profit return masks a balance-sheet-heavy model, where leverage and funding costs remain central to how earnings are produced.

In FY2025, debt-to-equity was 7.4x while operating cash flow reached $413.4M; that combination says reported cash movement materially exceeded accounting earnings, even as leverage remained central. The cash-and-earnings gap matters because net income was only $25.2M, so cash generation should not be read as equivalent to broad profitability.

The earnings pattern is a reversal, not a steady margin story: net margin moved from -26.7% in FY2024 to 6.2% in FY2025. Revenue reached $405.8M while SG&A fell to $34.0M, indicating that lower overhead intensity helped the recovery alongside the revenue rebound.

Liabilities were $2.9B against equity of $390.1M, leaving a financing structure large relative to the capital base. Interest expense was $231.5M, or 57.0% of revenue, so the FY2025 profit remains sensitive to funding costs even after the turnaround.

Financial Health Signals

Financial health score not available

Oportun Financial Corporation 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.

Piotroski F-Score Partial

5/6

Oportun Financial Corporation 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.

Earnings Quality Cash-Backed

16.41x

For every $1 of reported earnings, Oportun Financial Corporation 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

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Earnings & Revenue

Revenue

$105.6M

YoY+1.0%

QoQ+11.3%

5Y CAGR-2.5%

Oportun Financial Corporation generated $105.6M in revenue in Q2 2026. This represents an increase of 1.0% from the same quarter a year earlier. Against the prior quarter it is up 11.3%.

Net Income

$8.5M

YoY+24.1%

QoQ+264.0%

5Y CAGR+3.3%

Oportun Financial Corporation reported $8.5M in net income in Q2 2026. This represents an increase of 24.1% from the same quarter a year earlier. Against the prior quarter it is up 264.0%.

EPS (Diluted)

$0.17

YoY+21.4%

QoQ+240.0%

5Y CAGR-6.7%

Oportun Financial Corporation earned $0.17 per diluted share (EPS) in Q2 2026. This represents an increase of 21.4% from the same quarter a year earlier. Against the prior quarter it is up 240.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$139.6M

YoY+44.2%

QoQ+7.1%

5Y CAGR+0.2%

Oportun Financial Corporation held $139.6M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

46M

YoY+4.5%

QoQ+0.5%

5Y CAGR+10.4%

Oportun Financial Corporation had 46M shares outstanding in Q2 2026. This represents an increase of 4.5% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

8.1%

YoY+1.5pp

QoQ+5.6pp

5Y change+2.0pp

Oportun Financial Corporation's net profit margin was 8.1% in Q2 2026, showing the share of revenue converted to profit. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.6 percentage points.

Return on Equity

2.1%

YoY+0.3pp

QoQ+1.5pp

5Y change+0.6pp

Oportun Financial Corporation's ROE was 2.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

OPRT Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OPRT quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
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
Interest Expense	$204.5M	$231.5M-2.8%	$238.2M+32.7%	$179.4M+92.8%	$93.0M+95.2%	$47.7M-18.3%	$58.4M-3.6%	$60.5M+29.0%	$46.9M+28.9%	$36.4M
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 (Basic)	N/A	$0.54+127.7%	-$1.95+60.0%	-$4.88-105.9%	-$2.37-241.1%	$1.68+201.8%	-$1.65-458.7%	$0.46-92.8%	$6.42+252.1%	-$4.22
EPS (Diluted)	$0.40	$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
Diluted Shares (Avg)	N/A	48M+18.6%	40M+9.4%	37M+12.3%	33M+8.3%	30M+10.9%	27M	11M	4M	2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$105.6M+1.0%	$94.9M-10.3%	$90.4M-3.2%	$105.0M+67.8%	$104.6M+74.2%	$105.8M+33.7%	$93.4M+29.5%	$62.6M-26.5%
SG&A Expenses	$6.0M-38.9%	$7.0M-4.9%	$6.3M-1.6%	$10.5M-19.1%	$9.8M-55.6%	$7.4M-37.4%	$6.4M-68.2%	$13.0M+9.5%
Interest Expense	$41.9M-29.6%	$48.0M-16.4%	$57.9M-21.4%	$56.6M+1.6%	$59.5M+9.8%	$57.4M+5.4%	$73.7M+41.7%	$55.7M+18.7%
Income Tax	$7.1M+119.3%	$1.2M-64.2%	$3.2M+165.5%	$9.0M+195.1%	$3.2M+117.8%	$3.4M+184.0%	-$4.8M+68.8%	-$9.5M+41.4%
Net Income	$8.5M+24.1%	$2.3M-76.0%	$3.4M-61.5%	$5.2M+117.4%	$6.9M+122.2%	$9.8M+136.9%	$8.7M+120.8%	-$30.0M-41.7%
EPS (Basic)	$0.18+20.0%	$0.05-76.2%	$0.07-73.1%	$0.11+114.7%	$0.15+119.2%	$0.21+130.9%	$0.26+124.1%	-$0.75-36.4%
EPS (Diluted)	$0.17+21.4%	$0.05-76.2%	$0.07-73.1%	$0.11+114.7%	$0.14+117.9%	$0.21+130.9%	$0.26+124.1%	-$0.75-36.4%
Diluted Shares (Avg)	49M+3.1%	48M+3.1%	N/A	48M+20.9%	48M+20.3%	47M+20.9%	N/A	40M+4.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

OPRT Balance Sheet

OPRT quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.1B-2.2%	$3.2B-1.8%	$3.3B+1.0%	$3.2B-2.0%	$3.2B-1.5%	$3.2B-1.6%	$3.2B-5.4%	$3.3B-5.2%
Cash & Equivalents	$139.6M+44.2%	$130.4M+66.0%	$105.5M+76.0%	$104.6M+45.6%	$96.8M+32.9%	$78.5M+13.5%	$60.0M-34.2%	$71.8M-12.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$2.7B-3.6%	$2.8B-3.1%	$2.9B-0.2%	$2.8B-4.2%	$2.8B-2.5%	$2.9B-1.2%	$2.9B-4.5%	$2.9B-2.2%
Total Equity	$407.1M+8.3%	$396.3M+8.2%	$390.1M+10.3%	$383.9M+17.2%	$376.0M+6.2%	$366.1M-4.2%	$353.8M-12.5%	$327.6M-25.8%
Retained Earnings	-$216.4M+8.3%	-$224.9M+7.3%	-$227.3M+10.0%	-$230.7M+11.7%	-$235.9M-2.0%	-$242.8M-21.2%	-$252.5M-45.3%	-$261.3M-97.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

OPRT Cash Flow Statement

OPRT quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
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
Depreciation & Amortization	N/A	$41.4M-19.0%	$51.2M-6.8%	$54.9M+15.5%	$47.5M+75.3%	$27.1M+34.1%	$20.2M+43.4%	$14.1M+19.3%	$11.8M+11.7%	$10.6M
Stock-Based Compensation	N/A	$10.7M-17.7%	$13.0M-30.1%	$18.6M-32.7%	$27.6M+46.5%	$18.9M-3.2%	$19.5M+1.6%	$19.2M+183.3%	$6.8M+18.7%	$5.7M
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$109.3M+4.6%	$103.7M+2.7%	$108.9M+19.0%	$99.0M-8.7%	$104.5M-3.0%	$101.0M+17.6%	$91.4M-14.0%	$108.5M+1.3%
Depreciation & Amortization	$1.5M-11.8%	$9.0M-18.7%	$9.5M-17.5%	$1.6M-40.7%	$1.7M-41.4%	$11.1M-16.1%	$11.5M-16.7%	$2.7M-3.6%
Stock-Based Compensation	$2.9M+8.5%	$4.1M+46.3%	N/A	$2.5M-22.7%	$2.7M-8.0%	$2.8M-28.9%	N/A	$3.2M-26.2%
Investing Cash Flow	-$50.1M+4.2%	$8.0M+114.4%	-$189.2M-235.4%	-$72.6M+34.1%	-$52.3M+17.5%	-$55.5M-252.3%	-$56.4M+41.7%	-$110.3M-29.2%
Financing Cash Flow	-$56.6M-3.1%	-$100.8M-246.3%	$55.3M+213.1%	-$30.7M-388.3%	-$54.9M-1206.5%	-$29.1M+77.9%	-$48.9M-1464.8%	-$6.3M+74.3%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.

OPRT Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

OPRT quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
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
Asset Turnover	0.120.0x	0.090.0x	0.08-0.1x	0.180.0x	0.180.0x	0.170.0x	0.20-0.1x	0.26	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%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	8.1%+1.5pp	2.5%-6.8pp	3.7%-5.6pp	5.0%+52.8pp	6.6%+58.3pp	9.2%+42.6pp	9.3%+67.4pp	-47.8%-23.0pp
Return on Equity	2.1%+0.3pp	0.6%-2.1pp	0.9%-1.6pp	1.4%+10.5pp	1.8%+10.6pp	2.7%+9.6pp	2.5%+12.8pp	-9.2%-4.4pp
Return on Assets	0.3%+0.1pp	0.1%-0.2pp	0.1%-0.2pp	0.2%+1.1pp	0.2%+1.2pp	0.3%+1.1pp	0.3%+1.5pp	-0.9%-0.3pp
Debt-to-Equity	6.69-0.8x	6.99-0.8x	7.35-0.8x	7.30-1.6x	7.51-0.7x	7.81+0.2x	8.12+0.7x	8.93+2.2x
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.020.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Oportun Financial Corporation OPRT	FY2025	$405.8M	$25.2M	6.2%	$410.2M	—
Finance of America Companies Inc. FOA	FY2025	$497.4M	$45.2M	9.1%	$118.2M	24/100
Open Lending Corporation LPRO	FY2025	$93.2M	-$4.2M	-4.5%	$371.5M	45/100
Medallion Financial Corp MFIN	FY2025	$254.9M	$43.0M	16.9%	$272.8M	22/100
Consumer Portfolio Services CPSS	FY2025	$434.5M	$19.3M	4.5%	$205.5M	29/100
CPI Card Group Inc. PMTS	FY2025	$543.5M	$14.9M	2.8%	$296.1M	61/100

Where Oportun Financial Corporation Ranks

Frequently Asked Questions

What is Oportun Financial Corporation's annual revenue?

Oportun Financial Corporation (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 Corporation's revenue growing?

Oportun Financial Corporation (OPRT) revenue grew by 37.5% year-over-year, from $295.2M to $405.8M in fiscal year 2025.

Is Oportun Financial Corporation profitable?

Yes, Oportun Financial Corporation (OPRT) reported a net income of $25.2M in fiscal year 2025, with a net profit margin of 6.2%.

What is Oportun Financial Corporation's net profit margin?

Oportun Financial Corporation (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 Corporation's return on equity (ROE)?

Oportun Financial Corporation (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 Corporation's operating cash flow?

Oportun Financial Corporation (OPRT) generated $413.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Oportun Financial Corporation's total assets?

Oportun Financial Corporation (OPRT) had $3.3B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Oportun Financial Corporation have outstanding?

Oportun Financial Corporation (OPRT) had 45M shares outstanding as of fiscal year 2025.

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

Oportun Financial Corporation (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 Corporation's return on assets (ROA)?

Oportun Financial Corporation (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 Corporation's P/E ratio?

Oportun Financial Corporation (OPRT) trades at 21.1x earnings, its market capitalization divided by net income of $19.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $410.2M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Oportun Financial Corporation's price-to-sales ratio?

Oportun Financial Corporation (OPRT) trades at 1.0x sales, its market capitalization divided by revenue of $396.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $410.2M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Oportun Financial Corporation (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 Corporation's earnings high quality?

Oportun Financial Corporation (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.