Oportun Financial Corp
OPRT Nasdaq Finance Services Financials FY2017–FY2025
Revenue
Total sales reported in the income statement.
$957M
4.5%
vs prior year
Operating margin
Operating income as a share of revenue.
—
Net income
Profit after all expenses, interest and tax.
$25.2M
Free cash flow
Cash from operations minus capital spending.
—
Return on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $0.40 EPS (TTM)
What Oportun Financial Corp does
No business description yet.
- Legal name
- Oportun Financial Corp
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Accession · CIK
- 0001538716-26-000015
0001538716
Revenue and margins
Oportun Financial Corp had $957M of revenue in fiscal 2025, down 4.5% on the year before.
FY17
Revenue $361M
FY18
Revenue $498M
FY19
Revenue $600M
FY20
Revenue $584M
FY21
Revenue $627M
FY22
Revenue $953M
FY23
Revenue $1.1B
FY24
Revenue $1.0B
FY25
Revenue $957M
Q3 '23
Revenue $268M
Q4 '23
Revenue $263M
Q1 '24
Revenue $250M
Q2 '24
Revenue $250M
Q3 '24
Revenue $250M
Q4 '24
Revenue $251M
Q1 '25
Revenue $236M
Q2 '25
Revenue $234M
Q3 '25
Revenue $239M
Q4 '25
Revenue $248M
Q1 '26
Revenue $229M
Q2 '26
Revenue $233M
FY17
Gross —
Operating —
Net −2.8%
FCF 36.2%
FY18
Gross —
Operating —
Net 24.8%
FCF 24.9%
FY19
Gross —
Operating —
Net 10.3%
FCF 34.9%
FY20
Gross —
Operating —
Net −7.7%
FCF 25.4%
FY21
Gross —
Operating —
Net 7.6%
FCF 24.1%
FY22
Gross —
Operating —
Net −8.2%
FCF 25.4%
FY23
Gross —
Operating —
Net −17.0%
FCF —
FY24
Gross —
Operating —
Net −7.9%
FCF —
FY25
Gross —
Operating —
Net 2.6%
FCF —
Gross
Operating
Net
FCF
Q3 '23
Gross —
Operating —
Net −7.9%
FCF —
Q4 '23
Gross —
Operating —
Net −15.9%
FCF —
Q1 '24
Gross —
Operating —
Net −10.6%
FCF —
Q2 '24
Gross —
Operating —
Net −12.4%
FCF —
Q3 '24
Gross —
Operating —
Net −12.0%
FCF —
Q4 '24
Gross —
Operating —
Net 3.5%
FCF —
Q1 '25
Gross —
Operating —
Net 4.1%
FCF —
Q2 '25
Gross —
Operating —
Net 2.9%
FCF —
Q3 '25
Gross —
Operating —
Net 2.2%
FCF —
Q4 '25
Gross —
Operating —
Net 1.4%
FCF —
Q1 '26
Gross —
Operating —
Net 1.0%
FCF —
Q2 '26
Gross —
Operating —
Net 3.7%
FCF —
Gross
Operating
Net
FCF
Net income and earnings per share
Loss periods are shown in red.
FY17
Net income −$10.2M
FY18
Net income $123M
FY19
Net income $61.6M
FY20
Net income −$45.1M
FY21
Net income $47.4M
FY22
Net income −$77.7M
FY23
Net income −$180M
FY24
Net income −$78.7M
FY25
Net income $25.2M
Q3 '23
Net income −$21.1M
Q4 '23
Net income −$41.8M
Q1 '24
Net income −$26.4M
Q2 '24
Net income −$31.0M
Q3 '24
Net income −$30.0M
Q4 '24
Net income $8.7M
Q1 '25
Net income $9.8M
Q2 '25
Net income $6.9M
Q3 '25
Net income $5.2M
Q4 '25
Net income $3.4M
Q1 '26
Net income $2.3M
Q2 '26
Net income $8.5M
FY17
Diluted EPS −$4.22
FY18
Diluted EPS $4.47
FY19
Diluted EPS $0.40
FY20
Diluted EPS −$1.65
FY21
Diluted EPS $1.56
FY22
Diluted EPS −$2.37
FY23
Diluted EPS −$4.88
FY24
Diluted EPS −$1.95
FY25
Diluted EPS $0.53
Q3 '23
Diluted EPS −$0.55
Q4 '23
Diluted EPS −$0.92
Q1 '24
Diluted EPS −$0.68
Q2 '24
Diluted EPS −$0.78
Q3 '24
Diluted EPS −$0.75
Q4 '24
Diluted EPS $0.26
Q1 '25
Diluted EPS $0.21
Q2 '25
Diluted EPS $0.14
Q3 '25
Diluted EPS $0.11
Q4 '25
Diluted EPS $0.07
Q1 '26
Diluted EPS $0.05
Q2 '26
Diluted EPS $0.17
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
FY17
Return on capital —
Return on equity −4.7%
Return on assets —
FY18
Return on capital —
Return on equity 43.8%
Return on assets 7.1%
FY19
Return on capital —
Return on equity 14.7%
Return on assets 3.1%
FY20
Return on capital —
Return on equity −9.4%
Return on assets −2.1%
FY21
Return on capital —
Return on equity 8.9%
Return on assets 1.9%
FY22
Return on capital —
Return on equity −13.5%
Return on assets −2.4%
FY23
Return on capital —
Return on equity −37.8%
Return on assets −5.1%
FY24
Return on capital —
Return on equity −20.8%
Return on assets −2.4%
FY25
Return on capital —
Return on equity 6.8%
Return on assets 0.8%
Return on capital
Return on equity
Return on assets
Cash flow
Free cash flow was — in fiscal 2025, — of revenue. Cash from operations minus capital spending.
FY17
Free cash flow $131M
FY18
Free cash flow $124M
FY19
Free cash flow $209M
FY20
Free cash flow $148M
FY21
Free cash flow $151M
FY22
Free cash flow $242M
FY23
Free cash flow —
FY24
Free cash flow —
FY25
Free cash flow —
FY17
Cash from operations $139M
Capital spending $8.5M
FY18
Cash from operations $138M
Capital spending $14.6M
FY19
Cash from operations $218M
Capital spending $8.9M
FY20
Cash from operations $153M
Capital spending $4.8M
FY21
Cash from operations $163M
Capital spending $12.3M
FY22
Cash from operations $248M
Capital spending $6.0M
FY23
Cash from operations $393M
Capital spending —
FY24
Cash from operations $394M
Capital spending —
FY25
Cash from operations $413M
Capital spending —
Cash from operations
Capital spending
Q3 '23
Cash from operations $107M
Capital spending —
Q4 '23
Cash from operations $106M
Capital spending —
Q1 '24
Cash from operations $85.9M
Capital spending —
Q2 '24
Cash from operations $108M
Capital spending —
Q3 '24
Cash from operations $108M
Capital spending —
Q4 '24
Cash from operations $91.4M
Capital spending —
Q1 '25
Cash from operations $101M
Capital spending —
Q2 '25
Cash from operations $105M
Capital spending —
Q3 '25
Cash from operations $99.0M
Capital spending —
Q4 '25
Cash from operations $109M
Capital spending —
Q1 '26
Cash from operations $104M
Capital spending —
Q2 '26
Cash from operations $109M
Capital spending —
Cash from operations
Capital spending
Dividends, buybacks and share count
Oportun Financial Corp returned — to shareholders in fiscal 2025. The diluted share count rose 18.6%.
FY17
Dividends —
Buybacks —
FY18
Dividends —
Buybacks —
FY19
Dividends —
Buybacks —
FY20
Dividends —
Buybacks —
FY21
Dividends —
Buybacks —
FY22
Dividends —
Buybacks —
FY23
Dividends —
Buybacks —
FY24
Dividends —
Buybacks —
FY25
Dividends —
Buybacks —
Dividends
Buybacks
FY17
Diluted shares 0.00B
FY18
Diluted shares 0.00B
FY19
Diluted shares 0.01B
FY20
Diluted shares 0.03B
FY21
Diluted shares 0.03B
FY22
Diluted shares 0.03B
FY23
Diluted shares 0.04B
FY24
Diluted shares 0.04B
FY25
Diluted shares 0.05B
Balance sheet
Cash, debt and the ratios that show how comfortably Oportun Financial Corp can carry it.
FY17
Cash $48.3M
Debt —
FY18
Cash $70.5M
Debt —
FY19
Cash $72.2M
Debt —
FY20
Cash $136M
Debt —
FY21
Cash $131M
Debt $114M
FY22
Cash $98.8M
Debt —
FY23
Cash $91.2M
Debt —
FY24
Cash $60.0M
Debt —
FY25
Cash $106M
Debt —
Cash
Debt
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $131M | $98.8M | $91.2M | $60.0M | $106M |
| Debt incl. finance leases | $114M | — | — | — | — |
| Debt / equity | 0.2x | — | — | — | — |
| Total assets | $2.9B | $3.6B | $3.4B | $3.2B | $3.3B |
| Total liabilities | $2.3B | $3.1B | $3.0B | $2.9B | $2.9B |
| Shareholders' equity | $604M | $548M | $404M | $354M | $390M |
| Net debt (− = net cash) | −$16.9M | — | — | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.
| Test | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|
| Net income is positive | ✕ | ✓ | ✓ | ✕ | ✓ | ✕ | ✕ | ✕ | ✓ |
| Cash from operations is positive | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Return on assets rose | — | — | ✕ | ✕ | ✓ | ✕ | ✕ | ✓ | ✓ |
| Cash from operations exceeds net income | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Debt fell relative to assets | — | — | — | — | — | — | — | — | — |
| Current ratio rose | — | — | — | — | — | — | — | — | — |
| Share count didn't rise | — | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ |
| Gross margin rose | — | — | — | — | — | — | — | — | — |
| Revenue rose relative to assets | — | — | ✕ | ✓ | ✕ | ✓ | ✓ | ✓ | ✕ |
| F-score | — / 3 | — / 4 | — / 6 | — / 6 | — / 6 | — / 6 | — / 6 | — / 6 | — / 6 |
| Accruals ratio | — | −0.9% | −8.0% | −9.4% | −4.7% | −9.9% | −16.3% | −14.2% | −12.0% |
| Altman Z'' | — | — | — | — | — | — | — | — | — |
9 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Revenue | $361M | $498M | $600M | $584M | $627M | $953M | $1.1B | $1.0B | $957M |
| Noninterest expense | $224M | $287M | $362M | $393M | $468M | $716M | — | — | — |
| Provision for credit losses | $98.3M | $16.1M | −$4.5M | $0.0M | — | — | — | — | — |
| Pretax income | $2.1M | $170M | $84.4M | −$58.1M | $62.8M | −$75.3M | −$254M | −$115M | $44.1M |
| Income tax | $12.3M | $46.7M | $22.8M | −$13.0M | $15.4M | $2.5M | −$73.7M | −$36.5M | $18.8M |
| Net income | −$10.2M | $123M | $61.6M | −$45.1M | $47.4M | −$77.7M | −$180M | −$78.7M | $25.2M |
| Net income to common | −$10.2M | $16.6M | $4.3M | −$45.1M | $47.4M | −$77.7M | −$180M | −$78.7M | $25.2M |
| Diluted EPS | −$4.22 | $4.47 | $0.40 | −$1.65 | $1.56 | −$2.37 | −$4.88 | −$1.95 | $0.53 |
| Diluted shares | 0.00B | 0.00B | 0.01B | 0.03B | 0.03B | 0.03B | 0.04B | 0.04B | 0.05B |
| Cash flow | |||||||||
| Cash from operations | $139M | $138M | $218M | $153M | $163M | $248M | $393M | $394M | $413M |
| Capital expenditure | $8.5M | $14.6M | $8.9M | $4.8M | $12.3M | $6.0M | — | — | — |
| Free cash flow | $131M | $124M | $209M | $148M | $151M | $242M | — | — | — |
| Depreciation and amortization | $10.6M | $11.8M | $14.1M | $20.2M | $27.1M | $47.5M | $54.9M | $51.2M | $41.4M |
| Stock-based compensation | $5.7M | $6.8M | $19.2M | $19.5M | $18.9M | $27.6M | $18.6M | $13.0M | $10.7M |
| Acquisitions | — | — | — | $0.0M | $112M | $0.0M | — | — | — |
| Balance sheet | |||||||||
| Cash and short-term investments | $48.3M | $70.5M | $72.2M | $136M | $131M | $98.8M | $91.2M | $60.0M | $106M |
| Total debt | — | — | — | — | $114M | — | — | — | — |
| Loans, net | — | $296M | $38.5M | $0.0M | — | — | — | — | — |
| Property and equipment, net | — | $23.2M | $22.8M | $15.9M | $9.9M | $10.5M | $7.0M | $3.0M | $2.1M |
| Goodwill | — | — | — | $0.0M | $104M | $0.0M | — | — | — |
| Intangible assets | — | — | — | $0.1M | $43.6M | $35.7M | $27.5M | $19.9M | $71.7M |
| Total assets | — | $1.7B | $2.2B | $2.0B | $2.9B | $3.6B | $3.4B | $3.2B | $3.3B |
| Total liabilities | — | $1.4B | $1.7B | $1.5B | $2.3B | $3.1B | $3.0B | $2.9B | $2.9B |
| Preferred stock | — | $0.0M | $0.0M | — | — | — | — | — | — |
| Shareholders' equity | $217M | $347M | $489M | $467M | $604M | $548M | $404M | $354M | $390M |
| Margins | |||||||||
| Net margin | −2.8% | 24.8% | 10.3% | −7.7% | 7.6% | −8.2% | −17.0% | −7.9% | 2.6% |
| FCF margin | 36.2% | 24.9% | 34.9% | 25.4% | 24.1% | 25.4% | — | — | — |
| Efficiency ratio | 62.1% | 57.7% | 60.4% | 67.4% | 74.6% | 75.2% | — | — | — |
| Returns | |||||||||
| Return on equity | −4.7% | 43.8% | 14.7% | −9.4% | 8.9% | −13.5% | −37.8% | −20.8% | 6.8% |
| Return on assets | — | 7.1% | 3.1% | −2.1% | 1.9% | −2.4% | −5.1% | −2.4% | 0.8% |
| Return on tangible equity | −4.7% | 4.8% | 0.9% | −9.7% | 10.4% | −15.2% | −47.7% | −23.6% | 7.9% |
| Growth | |||||||||
| Revenue growth | — | 37.9% | 20.6% | −2.7% | 7.4% | 52.0% | 11.0% | −5.2% | −4.5% |
| Net income growth | — | — | −50.1% | −173.2% | — | −264.0% | — | — | — |
| EPS growth | — | — | −91.1% | −512.5% | — | −251.9% | — | — | — |
| FCF growth | — | −5.2% | 69.2% | −29.3% | 2.1% | 60.0% | — | — | — |
| Share count change | — | 53.5% | 189.7% | 154.0% | 10.9% | 8.3% | 12.3% | 9.4% | 18.6% |
| Financial health | |||||||||
| Debt / equity | — | — | — | — | 0.2x | — | — | — | — |
| Provision / loans | — | 5.5% | −11.7% | — | — | — | — | — | — |
| Capital allocation | |||||||||
| Capex / revenue | 2.4% | 2.9% | 1.5% | 0.8% | 2.0% | 0.6% | — | — | — |
| Stock comp / revenue | 1.6% | 1.4% | 3.2% | 3.3% | 3.0% | 2.9% | 1.8% | 1.3% | 1.1% |
| Quality scores | |||||||||
| Accruals ratio | — | −0.9% | −8.0% | −9.4% | −4.7% | −9.9% | −16.3% | −14.2% | −12.0% |
Source: SEC EDGAR XBRL filings (CIK 0001538716). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.