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Oportun Financial Corporation (OPRT)
NASDAQ: OPRT · Real-Time Price · USD
7.64
+0.12 (1.60%)
At close: Aug 13, 2026, 4:00 PM EDT
7.49
-0.15 (-1.96%)
After-hours: Aug 13, 2026, 4:22 PM 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
948.43956.691,0021,057952.55626.78
Revenue Growth
-2.34%-4.50%-5.22%10.96%51.97%7.38%
Gross Profit
948.43956.691,0021,057952.55626.78
Operating Income
39.9944.08-115.18-253.65-75.2962.79
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
212.43165.49248.07206.02203.82192.96
Total Debt
2,6622,8111,7422,9392,9662,207
Net Cash (Debt)
-2,450-2,645-1,494-2,733-2,762-2,014
Net Cash Growth
------
Net Cash Per Share
-50.41-55.28-37.01-74.10-84.15-66.43

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
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
Gross Margin
100.00%100.00%100.00%100.00%100.00%100.00%
Operating Margin
4.22%4.61%-11.50%-24.00%-7.90%10.02%
Pretax Margin
1.50%4.61%-11.50%-24.00%-7.90%10.02%
Profit Margin
2.05%2.64%-7.85%-17.03%-8.16%7.56%
FCF Margin
44.38%43.21%39.28%37.16%26.02%26.08%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
19.029.98---12.98
Forward PE
4.233.924.9615.923.538.27
P/FCF Ratio
0.830.570.360.340.743.97
PS Ratio
0.470.250.140.130.191.03