Oportun Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	104.61	59.97	91.19	98.82	130.96	136.19
Trading Asset Securities	11.31	13.77	9.31	0.73	-	-
Loans & Lease Receivables	2,760	2,779	2,962	3,175	2,387	1,697
Other Receivables	8.39	8.39	8.78	11.12	34.25	22.88
Property, Plant & Equipment	11.6	12.75	28.1	40.97	48.32	62.67
Goodwill	-	-	-	-	104.01	-
Other Intangible Assets	74.83	86.59	114.74	139.8	131.18	27.48
Restricted Cash	119.35	154.66	114.83	105	62	32.4
Other Current Assets	10.01	11.62	15.76	24.17	25.36	17.24
Long-Term Deferred Tax Assets	69.47	82.44	48.12	1.79	3.92	1.72
Other Long-Term Assets	16.95	18.4	18.72	15.85	19.33	10.78
Total Assets	3,186	3,227	3,412	3,614	2,947	2,009
Accounts Payable	5.84	6.59	5.29	9.67	8.34	1.82
Accrued Expenses	43.96	35.68	48.57	47.14	76.16	53.94
Current Portion of Long-Term Debt	-	-	123.06	-	-	246.39
Current Portion of Leases	2.97	11.56	12.79	13.88	14.04	14.19
Long-Term Debt	2,731	2,804	2,787	2,928	2,160	1,167
Long-Term Leases	10.32	6.64	15.59	24.07	33.66	35.49
Current Income Taxes Payable	3.58	-	-	5.91	8.37	5.95
Long-Term Deferred Tax Liabilities	-	3.14	7.14	30.58	28.42	10.56
Other Long-Term Liabilities	5.14	5.45	7.95	6.73	14.06	6.78
Total Liabilities	2,802	2,873	3,007	3,066	2,343	1,542
Common Stock	0.01	0.01	0.01	0.01	0.01	0.01
Additional Paid-In Capital	620.84	612.64	584.56	547.8	526.34	436.5
Retained Earnings	-230.69	-252.53	-173.85	6.1	83.85	36.43
Total Common Equity	383.85	353.81	404.4	547.6	603.88	466.63
Shareholders' Equity	383.85	353.81	404.4	547.6	603.88	466.63
Total Liabilities & Equity	3,186	3,227	3,412	3,614	2,947	2,009
Total Debt	2,744	2,822	2,939	2,966	2,207	1,463
Net Cash (Debt)	-2,628	-2,749	-2,838	-2,867	-2,076	-1,327
Net Cash Per Share	-56.52	-68.11	-76.96	-87.33	-68.48	-48.56
Filing Date Shares Outstanding	44.13	36.13	34.56	33.42	32.02	27.7
Total Common Shares Outstanding	44.09	36.11	34.47	33.35	32	27.68
Working Capital	2,957	2,973	3,013	3,339	2,533	1,584
Book Value Per Share	8.71	9.80	11.73	16.42	18.87	16.86
Tangible Book Value	309.02	267.22	289.67	407.8	368.69	439.15
Tangible Book Value Per Share	7.01	7.40	8.40	12.23	11.52	15.87

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.