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Oportun Financial Corporation (OPRT)
NASDAQ: OPRT · Real-Time Price · USD
8.23
-0.05 (-0.60%)
At close: Sep 29, 2026, 4:00 PM EDT
8.07
-0.16 (-1.94%)
Pre-market: Sep 30, 2026, 8:25 AM EDT

Oportun Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
743.95725.18763.62877.51859.5579.11
Revenue Growth
2.65%-5.03%-12.98%2.10%48.42%10.23%
Operating Income
58.7337.8721.821.856.818.81
Net Income
19.4825.25-78.68-179.95-77.7447.41
Earnings Per Share
0.400.53-1.95-4.88-2.371.56
EPS Growth
------

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
139.59104.2873.74100.4999.54130.96
Total Debt
2,6622,8112,8222,9392,9662,207
Net Cash (Debt)
-2,523-2,707-2,749-2,838-2,867-2,076
Net Cash Growth
------
Net Cash Per Share
-51.91-56.56-68.11-76.96-87.33-68.48

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
420.95413.41393.52392.77247.88163.45
Capital Expenditures
------
Free Cash Flow
420.95413.41393.52392.77247.88163.45
Free Cash Flow Growth
3.83%5.05%0.19%58.45%51.65%6.92%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
7.89%5.22%2.86%0.21%0.79%3.25%
Pretax Margin
5.38%6.08%-15.08%-28.91%-8.76%10.84%
Profit Margin
2.62%3.48%-10.30%-20.51%-9.04%8.19%
FCF Margin
56.58%57.01%51.53%44.76%28.84%28.22%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
20.499.25---12.13
Forward PE
4.653.924.9615.923.538.27
P/FCF Ratio
0.900.560.360.340.743.52
PS Ratio
0.510.320.180.150.210.99