Oportun Financial Corp OPRT

Financials SIC 6199 - Finance Services NAICS Finance and Insurance › Securities, Commodity Contracts, and Other Financial Investments and Related Activities › Other Financial Investment Activities derived Nasdaq

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.

Last close 9.19 2026-10-23
Market cap $422.6M 2026-06-30 share count
52-week range 4.03 - 9.45

Valuation FY2025 figures against the last close

P/S21.7x
P/E17.3x
P/FCF1.0x
EV/EBITDA—
Dividend yield—
Diluted EPS0.53

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 0.54-1.95-4.88-2.371.68-1.650.466.42-4.22—
EPS, diluted 0.53-1.95-4.88-2.371.56-1.650.404.47-4.22—
Shares, diluted (wtd. avg.) 47.9M40.4M36.9M32.8M30.3M27.3M10.8M3.7M2.4M—

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -200M 0 200M 400M 600M 800M Revenue, FY2017: 361M Net income, FY2017: -10.2M Revenue, FY2018: 497.6M Net income, FY2018: 123.4M Revenue, FY2019: 600.1M Net income, FY2019: 61.6M Revenue, FY2020: 583.7M Net income, FY2020: -45.1M Revenue, FY2021: 813K Net income, FY2021: 47.4M Revenue, FY2022: 31.2M Net income, FY2022: -77.7M Revenue, FY2023: 25.6M Net income, FY2023: -180M Revenue, FY2024: 22.7M Net income, FY2024: -78.7M Revenue, FY2025: 19.5M Net income, FY2025: 25.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $361.0M $497.6M $600.1M $583.7M $813.0K $31.2M $25.6M $22.7M $19.5M
Gross profit — — — — — — — — — —
Net income — -$10.2M $123.4M $61.6M -$45.1M $47.4M -$77.7M -$180.0M -$78.7M $25.2M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Officer or director change Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Material agreement signed Item 1.01
  • Officer or director change Item 5.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced Item 2.02
  • Officer or director change Item 5.02
  • Other event Item 8.01
  • Officer or director change Item 5.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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