Oportun Financial Corporation (OPRT)

Oportun Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	30.58	-78.68	-179.95	-77.74	47.41	-45.08
Depreciation & Amortization	7.62	11.06	12.59	13.33	5.01	9.42
Other Amortization	35.8	40.1	42.3	34.2	16.9	10.8
Gain on Sale of Loans & Receivables	-6.19	-6.01	-8.48	-5.7	-26.75	-20.31
Loss (Gain) From Sale of Investments	-10.47	-12	-3.3	11.99	1.67	-
Asset Writedown & Restructuring Costs	-	-	-	108.47	5.2	-
Provision for Credit Losses	289.98	408.32	500.19	391.76	62.37	192.44
Stock-Based Compensation	10.88	12.99	18.59	27.62	18.86	19.49
Net Decrease (Increase) in Loans Originated / Sold - Operating	6.19	4.52	8.49	6.1	27.42	19.86
Change in Other Net Operating Assets	-8.14	-30.26	-21.05	-80.74	-10.42	-30.25
Other Operating Activities	39.74	43.49	23.4	-181.42	15.77	0.5
Operating Cash Flow	395.99	393.52	392.77	247.88	163.45	152.87
Operating Cash Flow Growth	-3.04%	0.19%	58.45%	51.65%	6.92%	-30.00%
Cash Acquisitions	-	-	-	-	-111.65	-
Sale (Purchase) of Intangibles	-24.19	-19.19	-31.26	-48.89	-26.48	-21.77
Net Decrease (Increase) in Loans Originated / Sold - Investing	-211.89	-173.62	-253.48	-1,117	-734.36	42.98
Other Investing Activities	-0.85	-0.89	-1.44	-6	-12.3	-4.83
Investing Cash Flow	-236.92	-193.69	-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	-	-1,915	-1,044	-2,283	-2,020	-644.01
Net Debt Issued (Repaid)	-156.44	-178.18	-98.97	951.38	751.12	-134.76
Other Financing Activities	-7.21	-13.04	-5.42	-16.85	-5.42	-2.04
Financing Cash Flow	-163.65	-191.22	-104.39	934.53	745.71	-136.8
Net Cash Flow	-4.58	8.61	2.2	10.86	24.37	32.45
Free Cash Flow	395.99	393.52	392.77	247.88	163.45	152.87
Free Cash Flow Growth	-3.04%	0.19%	58.45%	51.65%	6.92%	-27.03%
Free Cash Flow Margin	55.57%	51.53%	44.76%	28.84%	28.22%	29.10%
Free Cash Flow Per Share	8.52	9.75	10.65	7.55	5.39	5.59
Cash Interest Paid	201.08	213.97	183.97	85.78	46.83	57.14
Cash Income Tax Paid	2.27	1.04	-1.86	-3.46	3.88	2.83

Updated Nov 4, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

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