Oportun Financial Corporation (OPRT)

Oportun Financial Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-78.7	-179.95	-77.74	47.41	-45.08
Depreciation & Amortization	52.2	12.59	13.33	5.01	9.42
Other Amortization	-	42.3	34.2	16.9	10.8
Gain on Sale of Loans & Receivables	-	-8.48	-5.7	-26.75	-20.31
Loss (Gain) From Sale of Investments	-	-3.3	11.99	1.67	-
Asset Writedown & Restructuring Costs	-	-	108.47	5.2	-
Provision for Credit Losses	-	500.19	391.76	62.37	192.44
Stock-Based Compensation	-	18.59	27.62	18.86	19.49
Net Decrease (Increase) in Loans Originated / Sold - Operating	4.5	8.49	6.1	27.42	19.86
Change in Other Net Operating Assets	-30.3	-21.05	-80.74	-10.42	-30.25
Other Operating Activities	445.8	23.4	-181.42	15.77	0.5
Operating Cash Flow	393.5	392.77	247.88	163.45	152.87
Operating Cash Flow Growth	0.19%	58.45%	51.65%	6.92%	-30.00%
Cash Acquisitions	-	-	-	-111.65	-
Sale (Purchase) of Intangibles	-19.2	-31.26	-48.89	-26.48	-21.77
Net Decrease (Increase) in Loans Originated / Sold - Investing	-173.6	-253.48	-1,117	-734.36	42.98
Other Investing Activities	-0.9	-1.44	-6	-12.3	-4.83
Investing Cash Flow	-193.7	-286.18	-1,172	-884.79	16.38
Long-Term Debt Issued	1,737	945.46	3,234	2,771	509.24
Long-Term Debt Repaid	-1,928	-1,044	-2,283	-2,020	-644.01
Net Debt Issued (Repaid)	-191	-98.97	951.38	751.12	-134.76
Other Financing Activities	-0.2	-5.42	-16.85	-5.42	-2.04
Financing Cash Flow	-191.2	-104.39	934.53	745.71	-136.8
Net Cash Flow	8.6	2.2	10.86	24.37	32.45
Free Cash Flow	393.5	392.77	247.88	163.45	152.87
Free Cash Flow Growth	0.19%	58.45%	51.65%	6.92%	-27.03%
Free Cash Flow Margin	51.53%	44.76%	28.84%	28.22%	29.10%
Free Cash Flow Per Share	9.75	10.65	7.55	5.39	5.59
Cash Interest Paid	-	183.97	85.78	46.83	57.14
Cash Income Tax Paid	-	-1.86	-3.46	3.88	2.83

Source: S&P Capital IQ. Financial Services template. Financial Sources.