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

Oportun Financial Corp (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 Corp Financials

OPRT

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 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 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 2026-04-30

Oportun’s earnings recovery came mostly from expense repair on a still highly leveraged, capital-thin lending balance sheet.

With assets still near $3.3B and debt-to-equity still above 7x, FY2025’s return to profit happened on a largely unchanged balance sheet, not a newly expanded one. That left returns at just 0.8% on assets but 6.5% on equity, a thin-equity leverage pattern that magnifies improvement once credit costs and overhead ease.

Revenue rebounded from $281M in FY2023 to $406M in FY2025, showing the business regained earning capacity after the trough. Because SG&A fell from $72M to $34M over the same span, the profit swing reads more like cost discipline and fixed-cost absorption than simple top-line recovery.

Share dilution was part of the repair: shares outstanding climbed from 32.0M to 44.4M over the period. Meanwhile, total equity fell from $604M to $390M, leaving more shares against a smaller equity base and meaning each share now sits on less book capital than before the turnaround.

Financial Health Signals

Financial Profile 11/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Oportun Financial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Oportun Financial Corp's revenue surged 37.5% year-over-year to $405.8M, reflecting rapid business expansion. This strong growth earns a score of 67/100.

Leverage

Oportun Financial Corp has elevated debt relative to equity (D/E of 7.35), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Oportun Financial Corp generates a 6.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is up from -22.2% the prior year.

Piotroski F-Score Neutral

5/9

Oportun Financial Corp passes 5 of 9 financial strength tests. 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

16.38x

For every $1 of reported earnings, Oportun Financial Corp generates $16.38 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

$405.8M

YoY+37.5%

5Y CAGR+3.9%

Oportun Financial Corp generated $405.8M in revenue in fiscal year 2025. This represents an increase of 37.5% from the prior year.

EBITDA

N/A

Net Income

$25.2M

YoY+132.1%

Oportun Financial Corp reported $25.2M in net income in fiscal year 2025. This represents an increase of 132.1% from the prior year.

EPS (Diluted)

$0.53

YoY+127.2%

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.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$105.5M

YoY+76.0%

5Y CAGR-5.0%

Oportun Financial Corp held $105.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

44M

YoY+23.0%

5Y CAGR+9.9%

Oportun Financial Corp had 44M shares outstanding in fiscal year 2025. This represents an increase of 23.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

6.2%

YoY+32.9pp

5Y CAGR+19.7pp

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.

Return on Equity

6.5%

YoY+28.7pp

5Y CAGR+16.1pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

OPRT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$405.8M+37.5%	$295.2M+5.2%	$280.7M-56.2%	$640.7M+20.8%	$530.5M+58.3%	$335.1M
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	$34.0M-36.1%	$53.2M-26.5%	$72.4M+23.0%	$58.8M+57.0%	$37.5M+83.1%	$20.5M
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	$18.8M+151.6%	-$36.5M+50.5%	-$73.7M-3098.5%	$2.5M-84.0%	$15.4M+218.2%	-$13.0M
Net Income	$25.2M+132.1%	-$78.7M+56.3%	-$180.0M-131.5%	-$77.7M-264.0%	$47.4M+205.2%	-$45.1M
EPS (Diluted)	$0.53+127.2%	$-1.95+60.0%	$-4.88-105.9%	$-2.37-251.9%	$1.56+194.5%	$-1.65

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$94.9M+5.0%	$90.4M-13.9%	$105.0M+0.5%	$104.6M-1.2%	$105.8M+13.3%	$93.4M+49.1%	$62.6M+4.3%	$60.0M
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	$7.0M+10.7%	$6.3M-39.7%	$10.5M+7.5%	$9.8M+32.5%	$7.4M+14.6%	$6.4M-50.5%	$13.0M-41.0%	$22.0M
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	$1.2M-61.5%	$3.2M-65.1%	$9.0M+180.0%	$3.2M-4.7%	$3.4M+170.3%	-$4.8M+49.2%	-$9.5M+47.5%	-$18.1M
Net Income	$2.3M-31.1%	$3.4M-34.5%	$5.2M-24.4%	$6.9M-29.6%	$9.8M+11.8%	$8.7M+129.2%	-$30.0M+3.4%	-$31.0M
EPS (Diluted)	$0.05	N/A	$0.11-21.4%	$0.14-33.3%	$0.21	N/A	$-0.75+3.8%	$-0.78

OPRT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.3B+1.0%	$3.2B-5.4%	$3.4B-5.6%	$3.6B+22.6%	$2.9B+46.7%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	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
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	N/A	$0-100.0%	$104.0M	$0
Total Liabilities	$2.9B-0.2%	$2.9B-4.5%	$3.0B-1.9%	$3.1B+30.9%	$2.3B+51.9%	$1.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$114.1M	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
Retained Earnings	-$227.3M+10.0%	-$252.5M-45.3%	-$173.8M-2949.0%	$6.1M-92.7%	$83.8M+130.1%	$36.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.2B-2.8%	$3.3B+2.2%	$3.2B-0.5%	$3.2B-0.8%	$3.2B0.0%	$3.2B-0.7%	$3.3B0.0%	$3.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$130.4M+23.6%	$105.5M+0.9%	$104.6M+8.1%	$96.8M+23.3%	$78.5M+31.0%	$60.0M-16.5%	$71.8M-1.4%	$72.9M
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-3.4%	$2.9B+2.3%	$2.8B-0.8%	$2.8B-1.2%	$2.9B-0.5%	$2.9B-1.7%	$2.9B+0.9%	$2.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$145.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$396.3M+1.6%	$390.1M+1.6%	$383.9M+2.1%	$376.0M+2.7%	$366.1M+3.5%	$353.8M+8.0%	$327.6M-7.5%	$354.1M
Retained Earnings	-$224.9M+1.0%	-$227.3M+1.5%	-$230.7M+2.2%	-$235.9M+2.8%	-$242.8M+3.9%	-$252.5M+3.3%	-$261.3M-13.0%	-$231.3M

OPRT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$413.4M+5.1%	$393.5M+0.2%	$392.8M+58.5%	$247.9M+51.7%	$163.4M+6.9%	$152.9M
Capital Expenditures	N/A	N/A	N/A	$6.0M-51.2%	$12.3M+154.8%	$4.8M
Free Cash Flow	N/A	N/A	N/A	$241.9M+60.0%	$151.2M+2.1%	$148.0M
Investing Cash Flow	-$369.7M-90.9%	-$193.7M+32.3%	-$286.2M+75.6%	-$1.2B-32.4%	-$884.8M-5502.0%	$16.4M
Financing Cash Flow	-$59.4M+69.0%	-$191.2M-83.2%	-$104.4M-111.2%	$934.5M+25.3%	$745.7M+645.1%	-$136.8M
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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$103.7M-4.7%	$108.9M+9.9%	$99.0M-5.2%	$104.5M+3.5%	$101.0M+10.4%	$91.4M-15.7%	$108.5M+0.7%	$107.7M
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	$8.0M+104.2%	-$189.2M-160.5%	-$72.6M-38.8%	-$52.3M+5.7%	-$55.5M+1.6%	-$56.4M+48.8%	-$110.3M-73.8%	-$63.4M
Financing Cash Flow	-$100.8M-282.1%	$55.3M+280.4%	-$30.7M+44.2%	-$54.9M-88.7%	-$29.1M+40.5%	-$48.9M-678.8%	-$6.3M-49.4%	-$4.2M
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	FY25	FY24	FY23	FY22	FY21	FY20
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	6.2%+32.9pp	-26.7%+37.5pp	-64.1%-52.0pp	-12.1%-21.1pp	8.9%+22.4pp	-13.5%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.35-0.8	8.12+0.7	7.44+1.8	5.60+5.4	0.19-3.1	3.31
FCF Margin	N/A	N/A	N/A	37.8%+9.3pp	28.5%-15.7pp	44.2%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	2.5%-1.3pp	3.8%-1.2pp	5.0%-1.6pp	6.6%-2.6pp	9.2%-0.1pp	9.4%+57.2pp	-47.8%+3.8pp	-51.7%
Return on Equity	0.6%-0.3pp	0.9%-0.5pp	1.4%-0.5pp	1.8%-0.8pp	2.7%+0.2pp	2.5%+11.6pp	-9.2%-0.4pp	-8.8%
Return on Assets	0.1%-0.0pp	0.1%-0.1pp	0.2%-0.0pp	0.2%-0.1pp	0.3%+0.0pp	0.3%+1.2pp	-0.9%+0.0pp	-0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.99-0.4	7.35+0.1	7.30-0.2	7.51-0.3	7.81-0.3	8.12-0.8	8.93+0.7	8.18
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 $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.

How many shares does Oportun Financial Corp have outstanding?

Oportun Financial Corp (OPRT) had 44M shares outstanding as of fiscal year 2025.

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 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 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 16.38x, 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.

How financially healthy is Oportun Financial Corp?

Oportun Financial Corp (OPRT) scores 11 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.