1.Sales and profit
See section β- 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.
Oportun Financial Corp
OPRT Nasdaq Finance Services Financials FY2017βFY2025
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.
Download report
3-page PDF: the company, its results and charts with peers.
Last close Β· Oct 23, 2026
$9.19
1.3%KIRAβs summary AI analyst
Hi! I read Oportun Financial Corpβs latest annual report (fiscal 2025). Here is what stands out:
1 strength 1 to watch
2.Cash and shareholders
See section β- No open-market insider trades in the last 12 months.
Oportun Financial Corp in 30 seconds
Good So-so Weak
Weak
Are sales growing?
β4.5%
No. Sales fell 4.5% last year.
So-so
Does it make a profit?
2.6%
A little. It keeps 2.6% of every sale as profit.
For information
How is the share priced?
23.0x
One share costs 23.0 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$454M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
23.0x
On $0.40 EPS (TTM)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Results dates
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Oportun Financial Corp did it, and the next one. Share prices often move a lot on those days.
Next results
November 3, 2026
Tuesday Β· in 8 days
- Time
- After the market closes
- Covers
- Period ended Sep 30, 2026
- Expected EPS
- $0.43
- Source
- Earnings calendar
| Date | Results for | Time | Source |
|---|---|---|---|
| Aug 5, 2026 | Q2 '26 | After the market closes | 8-K β |
| May 7, 2026 | Q1 '26 | After the market closes | 8-K β |
| Jan 15, 2026 | Q4 '25 | Time not announced | 8-K β |
| Nov 4, 2025 | Q3 '25 | After the market closes | 8-K β |
| Aug 5, 2025 | Q2 '25 | Time not announced | 8-K β |
| May 8, 2025 | Q1 '25 | After the market closes | 8-K β |
| Feb 7, 2025 | Q4 '24 | Time not announced | 8-K β |
| Oct 23, 2024 | Q3 '24 | Time not announced | 8-K β |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
Revenue and margins
KIRA Β· 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.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
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
Revenue
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
Margins, % of revenue
FY17
Gross β
Operating β
Net β2.8%
FCF 36.2%
FY18
Gross β
Operating β
Net 24.8%
FCF 24.9%
FY19
Gross β
Operating β
Net 10.3%
FCF 34.9%
FY20
Gross β
Operating β
Net β7.7%
FCF 25.4%
FY21
Gross β
Operating β
Net 7.6%
FCF 24.1%
FY22
Gross β
Operating β
Net β8.2%
FCF 25.4%
FY23
Gross β
Operating β
Net β17.0%
FCF β
FY24
Gross β
Operating β
Net β7.9%
FCF β
FY25
Gross β
Operating β
Net 2.6%
FCF β
Gross
Operating
Net
FCF
Margins, % of revenue
Q3 '23
Gross β
Operating β
Net β7.9%
FCF β
Q4 '23
Gross β
Operating β
Net β15.9%
FCF β
Q1 '24
Gross β
Operating β
Net β10.6%
FCF β
Q2 '24
Gross β
Operating β
Net β12.4%
FCF β
Q3 '24
Gross β
Operating β
Net β12.0%
FCF β
Q4 '24
Gross β
Operating β
Net 3.5%
FCF β
Q1 '25
Gross β
Operating β
Net 4.1%
FCF β
Q2 '25
Gross β
Operating β
Net 2.9%
FCF β
Q3 '25
Gross β
Operating β
Net 2.2%
FCF β
Q4 '25
Gross β
Operating β
Net 1.4%
FCF β
Q1 '26
Gross β
Operating β
Net 1.0%
FCF β
Q2 '26
Gross β
Operating β
Net 3.7%
FCF β
Gross
Operating
Net
FCF
Net income and earnings per share
KIRA Β· Oportun Financial Corp made $25.2M of net profit in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
FY17
Net income β$10.2M
FY18
Net income $123M
FY19
Net income $61.6M
FY20
Net income β$45.1M
FY21
Net income $47.4M
FY22
Net income β$77.7M
FY23
Net income β$180M
FY24
Net income β$78.7M
FY25
Net income $25.2M
Net income
Q3 '23
Net income β$21.1M
Q4 '23
Net income β$41.8M
Q1 '24
Net income β$26.4M
Q2 '24
Net income β$31.0M
Q3 '24
Net income β$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
Diluted EPS
FY17
Diluted EPS β$4.22
FY18
Diluted EPS $4.47
FY19
Diluted EPS $0.40
FY20
Diluted EPS β$1.65
FY21
Diluted EPS $1.56
FY22
Diluted EPS β$2.37
FY23
Diluted EPS β$4.88
FY24
Diluted EPS β$1.95
FY25
Diluted EPS $0.53
Diluted EPS
Q3 '23
Diluted EPS β$0.55
Q4 '23
Diluted EPS β$0.92
Q1 '24
Diluted EPS β$0.68
Q2 '24
Diluted EPS β$0.78
Q3 '24
Diluted EPS β$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
Cash and shareholders
How much cash comes in, and where does it go?
Cash flow
Cash from operations minus capital spending.
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
Free cash flow
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 β
FY24
Free cash flow β
FY25
Free cash flow β
Cash from operations vs capital spending
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 β
FY24
Cash from operations $394M
Capital spending β
FY25
Cash from operations $413M
Capital spending β
Cash from operations
Capital spending
Cash from operations vs capital spending
Q3 '23
Cash from operations $107M
Capital spending β
Q4 '23
Cash from operations $106M
Capital spending β
Q1 '24
Cash from operations $85.9M
Capital spending β
Q2 '24
Cash from operations $108M
Capital spending β
Q3 '24
Cash from operations $108M
Capital spending β
Q4 '24
Cash from operations $91.4M
Capital spending β
Q1 '25
Cash from operations $101M
Capital spending β
Q2 '25
Cash from operations $105M
Capital spending β
Q3 '25
Cash from operations $99.0M
Capital spending β
Q4 '25
Cash from operations $109M
Capital spending β
Q1 '26
Cash from operations $104M
Capital spending β
Q2 '26
Cash from operations $109M
Capital spending β
Cash from operations
Capital spending
Dividends, buybacks and share count
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY17
Dividends β
Buybacks β
FY18
Dividends β
Buybacks β
FY19
Dividends β
Buybacks β
FY20
Dividends β
Buybacks β
FY21
Dividends β
Buybacks β
FY22
Dividends β
Buybacks β
FY23
Dividends β
Buybacks β
FY24
Dividends β
Buybacks β
FY25
Dividends β
Buybacks β
Dividends
Buybacks
Diluted shares outstanding (annual)
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
Insider trades
KIRA Β· No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
β
$0.0M
No open-market insider trades in the last 12 months.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Cash, debt and the ratios that show how comfortably Oportun Financial Corp can carry it.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Cash vs debt (incl. leases)
FY17
Cash $48.3M
Debt β
FY18
Cash $70.5M
Debt β
FY19
Cash $72.2M
Debt β
FY20
Cash $136M
Debt β
FY21
Cash $131M
Debt $114M
FY22
Cash $98.8M
Debt β
FY23
Cash $91.2M
Debt β
FY24
Cash $60.0M
Debt β
FY25
Cash $106M
Debt β
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 | β | β | β | β |
| Debt / equity | 0.2x | β | β | β | β |
| 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 (β = net cash) | β$16.9M | β | β | β | β |
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Return on capital, equity and assets (annual)
FY17
Return on capital β
Return on equity β4.7%
Return on assets β
FY18
Return on capital β
Return on equity 43.8%
Return on assets 7.1%
FY19
Return on capital β
Return on equity 14.7%
Return on assets 3.1%
FY20
Return on capital β
Return on equity β9.4%
Return on assets β2.1%
FY21
Return on capital β
Return on equity 8.9%
Return on assets 1.9%
FY22
Return on capital β
Return on equity β13.5%
Return on assets β2.4%
FY23
Return on capital β
Return on equity β37.8%
Return on assets β5.1%
FY24
Return on capital β
Return on equity β20.8%
Return on assets β2.4%
FY25
Return on capital β
Return on equity 6.8%
Return on assets 0.8%
Return on capital
Return on equity
Return on assets
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8β9 is strong, 0β2 weak.
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.
| Test | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|
| Net income is positive | β | β | β | β | β | β | β | β | β |
| Cash from operations is positive | β | β | β | β | β | β | β | β | β |
| Return on assets rose | β | β | β | β | β | β | β | β | β |
| Cash from operations exceeds net income | β | β | β | β | β | β | β | β | β |
| Debt fell relative to assets | β | β | β | β | β | β | β | β | β |
| Current ratio rose | β | β | β | β | β | β | β | β | β |
| Share count didn't rise | β | β | β | β | β | β | β | β | β |
| Gross margin rose | β | β | β | β | β | β | β | β | β |
| Revenue rose relative to assets | β | β | β | β | β | β | β | β | β |
| F-score | β / 3 | β / 4 | β / 6 | β / 6 | β / 6 | β / 6 | β / 6 | β / 6 | β / 6 |
| Accruals ratio | β | β0.9% | β8.0% | β9.4% | β4.7% | β9.9% | β16.3% | β14.2% | β12.0% |
| Altman Z'' | β | β | β | β | β | β | β | β | β |
All figures
Every number, year by year.
9 years of figures
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| 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 | β | β | β |
| Provision for credit losses | $98.3M | $16.1M | β$4.5M | $0.0M | β | β | β | β | β |
| Pretax income | $2.1M | $170M | $84.4M | β$58.1M | $62.8M | β$75.3M | β$254M | β$115M | $44.1M |
| Income tax | $12.3M | $46.7M | $22.8M | β$13.0M | $15.4M | $2.5M | β$73.7M | β$36.5M | $18.8M |
| Net income | β$10.2M | $123M | $61.6M | β$45.1M | $47.4M | β$77.7M | β$180M | β$78.7M | $25.2M |
| Net income to common | β$10.2M | $16.6M | $4.3M | β$45.1M | $47.4M | β$77.7M | β$180M | β$78.7M | $25.2M |
| Diluted EPS | β$4.22 | $4.47 | $0.40 | β$1.65 | $1.56 | β$2.37 | β$4.88 | β$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 | β | β | β |
| Free cash flow | $131M | $124M | $209M | $148M | $151M | $242M | β | β | β |
| 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 | β | β | β | $0.0M | $112M | $0.0M | β | β | β |
| Balance sheet | |||||||||
| Cash and short-term investments | $48.3M | $70.5M | $72.2M | $136M | $131M | $98.8M | $91.2M | $60.0M | $106M |
| Total debt | β | β | β | β | $114M | β | β | β | β |
| Loans, net | β | $296M | $38.5M | $0.0M | β | β | β | β | β |
| Property and equipment, net | β | $23.2M | $22.8M | $15.9M | $9.9M | $10.5M | $7.0M | $3.0M | $2.1M |
| Goodwill | β | β | β | $0.0M | $104M | $0.0M | β | β | β |
| Intangible assets | β | β | β | $0.1M | $43.6M | $35.7M | $27.5M | $19.9M | $71.7M |
| Total assets | β | $1.7B | $2.2B | $2.0B | $2.9B | $3.6B | $3.4B | $3.2B | $3.3B |
| Total liabilities | β | $1.4B | $1.7B | $1.5B | $2.3B | $3.1B | $3.0B | $2.9B | $2.9B |
| Preferred stock | β | $0.0M | $0.0M | β | β | β | β | β | β |
| Shareholders' equity | $217M | $347M | $489M | $467M | $604M | $548M | $404M | $354M | $390M |
| Margins | |||||||||
| Net margin | β2.8% | 24.8% | 10.3% | β7.7% | 7.6% | β8.2% | β17.0% | β7.9% | 2.6% |
| FCF margin | 36.2% | 24.9% | 34.9% | 25.4% | 24.1% | 25.4% | β | β | β |
| Efficiency ratio | 62.1% | 57.7% | 60.4% | 67.4% | 74.6% | 75.2% | β | β | β |
| Returns | |||||||||
| Return on equity | β4.7% | 43.8% | 14.7% | β9.4% | 8.9% | β13.5% | β37.8% | β20.8% | 6.8% |
| Return on assets | β | 7.1% | 3.1% | β2.1% | 1.9% | β2.4% | β5.1% | β2.4% | 0.8% |
| Return on tangible equity | β4.7% | 4.8% | 0.9% | β9.7% | 10.4% | β15.2% | β47.7% | β23.6% | 7.9% |
| Growth | |||||||||
| Revenue growth | β | 37.9% | 20.6% | β2.7% | 7.4% | 52.0% | 11.0% | β5.2% | β4.5% |
| Net income growth | β | β | β50.1% | β173.2% | β | β264.0% | β | β | β |
| EPS growth | β | β | β91.1% | β512.5% | β | β251.9% | β | β | β |
| FCF growth | β | β5.2% | 69.2% | β29.3% | 2.1% | 60.0% | β | β | β |
| Share count change | β | 53.5% | 189.7% | 154.0% | 10.9% | 8.3% | 12.3% | 9.4% | 18.6% |
| Financial health | |||||||||
| Debt / equity | β | β | β | β | 0.2x | β | β | β | β |
| Provision / loans | β | 5.5% | β11.7% | β | β | β | β | β | β |
| Capital allocation | |||||||||
| Capex / revenue | 2.4% | 2.9% | 1.5% | 0.8% | 2.0% | 0.6% | β | β | β |
| 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 | β | β0.9% | β8.0% | β9.4% | β4.7% | β9.9% | β16.3% | β14.2% | β12.0% |
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 β not investment advice. Check the original filings before relying on any figure.