Oportun Financial Corp
OPRT Nasdaq· Finance Services
Last close · Oct 26, 2026
$9.37
KIRA · Stoqly’s AI analyst, in plain words
- Oportun Financial Corp had $957M of revenue in fiscal 2025, down 4.5% on the year before. Over five years, revenue changed +10.4% a year on average.
- Oportun Financial Corp made $25.2M of net profit in fiscal 2025.
Market cap
$463M
P/E
23.4x
Revenue
$957M
Net income
$25.2M
Free cash flow
—
Operating margin
—
Oportun Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
−4.5%
No. Sales fell 4.5% last year.
Does it make a profit?
2.6%
A little. It keeps 2.6% of every sale as profit.
How is the share priced?
23.4x
One share costs 23.4 times its yearly profit per share.
What Oportun Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- Oportun Financial Corp
- CIK
- 0001538716
Oportun Financial Corp · OPRT
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $627M | $953M | $1.1B | $1.0B | $957M |
| Revenue growth | 7.4% | 52.0% | 11.0% | −5.2% | −4.5% |
| Net income | $47.4M | −$77.7M | −$180M | −$78.7M | $25.2M |
| Net margin | 7.6% | −8.2% | −17.0% | −7.9% | 2.6% |
| Diluted EPS | $1.56 | −$2.37 | −$4.88 | −$1.95 | $0.53 |
| Cash | |||||
| Cash from operations | $163M | $248M | $393M | $394M | $413M |
| Capital expenditure | $12.3M | $6.0M | — | — | — |
| Free cash flow | $151M | $242M | — | — | — |
| FCF margin | 24.1% | 25.4% | — | — | — |
| Share count change | 10.9% | 8.3% | 12.3% | 9.4% | 18.6% |
| Debt and strength | |||||
| Cash and short-term investments | $131M | $98.8M | $91.2M | $60.0M | $106M |
| Debt incl. finance leases | $114M | — | — | — | — |
| Shareholders' equity | $604M | $548M | $404M | $354M | $390M |
| Returns and quality | |||||
| Return on equity | 8.9% | −13.5% | −37.8% | −20.8% | 6.8% |
| Return on tangible equity | 10.4% | −15.2% | −47.7% | −23.6% | 7.9% |
| Efficiency ratio | 74.6% | 75.2% | — | — | — |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.4M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Oportun Financial Corp · OPRT
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $9.37 a share, the company is worth $463M: 23.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001538716). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.