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Oportun Financial Corporation (OPRT)
NASDAQ: OPRT · Real-Time Price · USD
5.59
+0.29 (5.47%)
Jul 24, 2026, 4:00 PM EDT - Market closed

Oportun Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
949.55956.691,0021,057952.55626.78
Revenue Growth
-3.81%-4.50%-5.22%10.96%51.97%7.38%
Gross Profit
949.55956.691,0021,057952.55626.78
Operating Income
34.4844.08-115.18-253.65-75.2962.79
Net Income
17.8225.25-78.68-179.95-77.7447.41
Earnings Per Share
0.370.53-1.95-4.88-2.371.56
EPS Growth
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Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
209.85165.49248.07206.02203.82192.96
Total Debt
2,7182,8111,7422,9392,9662,207
Net Cash (Debt)
-2,508-2,645-1,494-2,733-2,762-2,014
Net Cash Growth
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Net Cash Per Share
-52.01-0.06-0.04-74.10-84.15-66.43

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
416.16413.41393.52392.77247.88163.45
Free Cash Flow
416.16413.41393.52392.77247.88163.45
Free Cash Flow Growth
1.85%5.05%0.19%58.45%51.65%6.92%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
100.00%100.00%100.00%100.00%100.00%100.00%
Operating Margin
3.63%4.61%-11.50%-24.00%-7.90%10.02%
Pretax Margin
2.56%4.61%-11.50%-24.00%-7.90%10.02%
Profit Margin
1.88%2.64%-7.85%-17.03%-8.16%7.56%
FCF Margin
43.83%43.21%39.28%37.16%26.02%26.08%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
15.059.98---12.98
Forward PE
3.263.924.9615.923.538.27
P/FCF Ratio
0.620.570.360.340.743.97
PS Ratio
0.350.250.140.130.191.03