Oportun Financial Corp OPRT
With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers its members with the confidence to build a better financial future. We design our products to holistically address two of the most fundamental challenges to financial health and resilience - access to responsible and affordable credit, and adequate savings.
According to a January 2026 survey by Bankrate, more than half of all Americans do not have enough savings to cover an unplanned expense of $1,000. When presented with an unexpected expense they cannot postpone, like a car that won't start when one needs to get to work, or a required medical procedure, most people lack adequate savings and will typically require access to credit in order to cover their immediate need.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19.5M | $22.7M | $25.6M | $31.2M | $813.0K | $583.7M | $600.1M | $497.6M | $361.0M | — |
| SG&A | $34.0M | $53.2M | $72.4M | $58.8M | $37.5M | $20.5M | $15.4M | $10.8M | $16.9M | — |
| Total operating expenses | $361.8M | $410.4M | $534.3M | $715.9M | — | — | — | — | — | — |
| Pre-tax income | $44.1M | -$115.2M | -$253.7M | -$75.3M | $62.8M | -$58.1M | $84.4M | $170.1M | $2.1M | — |
| Income tax | $18.8M | $36.5M | $73.7M | $2.5M | $15.4M | $13.0M | $22.8M | $46.7M | $12.3M | — |
| Net income | $25.2M | -$78.7M | -$180.0M | -$77.7M | $47.4M | -$45.1M | $61.6M | $123.4M | -$10.2M | — |
| EPS, basic | 0.54 | -1.95 | -4.88 | -2.37 | 1.68 | -1.65 | 0.46 | 6.42 | -4.22 | — |
| EPS, diluted | 0.53 | -1.95 | -4.88 | -2.37 | 1.56 | -1.65 | 0.40 | 4.47 | -4.22 | — |
| Shares, diluted (wtd. avg.) | $47.9M | $40.4M | $36.9M | $32.8M | $30.3M | $27.3M | $10.8M | $3.7M | $2.4M | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $105.5M | $60.0M | $206.0M | $203.8M | $193.0M | $168.6M | $136.1M | $129.2M | $48.3M | $67.7M |
| Property, plant and equipment | $2.1M | $3.0M | $7.0M | $10.5M | $9.9M | $15.8M | $22.8M | $23.2M | — | — |
| Goodwill | — | — | — | $0 | $104.0M | $0 | — | — | — | — |
| Other intangibles | $15.0M | $19.9M | $27.5M | $35.7M | $43.6M | $64.0K | — | — | — | — |
| Total assets | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B | $2.01B | $2.20B | $1.74B | — | — |
| Total liabilities | $2.87B | $2.87B | $3.01B | $3.07B | $2.34B | $1.54B | $1.71B | $1.39B | — | — |
| Retained earnings | -$227.3M | -$252.5M | -$173.8M | $6.1M | $83.8M | $36.4M | $76.7M | $52.7M | — | — |
| Total equity | $390.1M | $353.8M | $404.4M | $547.6M | $603.9M | $466.6M | $488.9M | $346.5M | $216.7M | $223.6M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $413.4M | $393.5M | $392.8M | $247.9M | $163.4M | $152.9M | $218.4M | $138.4M | $139.1M | — |
| Depreciation and amortisation | $41.4M | $51.2M | $54.9M | $47.5M | $27.1M | $20.2M | $14.1M | $11.8M | $10.6M | — |
| Stock-based compensation | $10.7M | $13.0M | $18.6M | $27.6M | $18.9M | $19.5M | $19.2M | $6.8M | $5.7M | — |
| Capital expenditure | — | — | — | $6.0M | $12.3M | $4.8M | $8.9M | $14.6M | $8.5M | — |
| Investing cash flow | -$369.7M | -$193.7M | -$286.2M | -$1.17B | -$884.8M | $16.4M | -$497.7M | -$471.4M | -$343.4M | — |
| Financing cash flow | -$59.4M | -$191.2M | -$104.4M | $934.5M | $745.7M | -$136.8M | $286.3M | $368.1M | $230.7M | — |
| Buybacks | — | — | — | — | — | — | — | $896.0K | $3.9M | — |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001140361-26-026773.
Others in SIC 6199
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|---|---|---|---|---|
| AXP | AMERICAN EXPRESS CO | $220.26B | 21.2x | 6.4% |
| MSTR | Strategy Inc | $50.34B | — | 3.0% |
| COIN | Coinbase Global, Inc. | $48.64B | 41.5x | 9.4% |
| SYF | Synchrony Financial | $26.00B | 8.6x | — |
| CRCL | Circle Internet Group, Inc. | $25.33B | — | 624.0% |
| SOFI | SoFi Technologies, Inc. | $23.53B | 46.7x | 23.1% |
| IREN | IREN Ltd | $15.97B | — | 41.1% |
| BMNR | BITMINE IMMERSION TECHNOLOGIES, INC. | $15.06B | 1.9x | 84.1% |